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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX
Product: Mortgage

My mortgage has been sold 3 times in the last 5 years. I started with XXXX XXXX XXXX Back, then I was sold to XXXX in the middle of my modification. As of XXXX 2015 XXXX sold me to Seterus. I had to call to get my Welcome package, my monthly bills change and are never the same amount. I have been told my escrow account was short from {$300.00} to {$75.00} and the latest amount of XXXX I paid and it was posted to the principal instead of the escrow. They have misposted my payments on a regular basis. I have been threatened with foreclosure for being a month late which I was not. I have spoken to XXXX different people including XXXX XXXX a manager who was rude and no one can explain why I owe money that I have already paid? I was paying the modification amount of {$1100.00}, then it changed to {$1000.00} now they say I owe {$1000.00} which includes the {$140.00} escrow shortage I already paid. I need help this company is very crooked.
Product: Checking or savings account

On XX/XX/XXXX I looked at my online banking statement to find that there were withdrawals from my checking account that I did not make. There were four withdrawals of {$200.00} each, made minutes apart ( just before midnight on XX/XX/XXXX and just after midnight on XX/XX/XXXX ), at two separate Chase ATMs in XXXX, NY ( one of the two ATMs is in the branch I most often use ). I contacted the customer service number on the website and they said they would look into it. 
On XX/XX/XXXX, Chase sent me a letter XXXX attached ) saying that the withdrawals were authorized and they would not investigate further ; the {$800.00} withdrawals will stand. I contacted several Chase representatives, and their supervisors, by phone to ask how this could happen if I am never without my debit card? I said this was surely some kind of 'hack ' and I wanted to know next steps in investigating. They insisted that it must have been me, since the card has a 'chip ' and the chip was visible to them. They suggested I go to local police with info on what happened. I visited the local precinct on XX/XX/XXXX and was told that, in NY State, I'll need an affidavit from the bank to allow police to pull the camera footage from the ATMs. Going back to Chase to obtain this, I was told they will not supply an affidavit. So my police investigation can not proceed. 
At this point, I went to my local branch on XX/XX/XXXX and spoke to the acting branch manager ( XXXX XXXX, at the XXXX XXXX XXXX XXXX, NY ). He was very kind and helpful, but after observing him call those who might help, it was apparent that they would not review the ATM footage despite his request to escalate the investigation. I received a letter from Chase on XX/XX/XXXX, reiterating their initial decision - that I'm responsible for these withdrawals.
Product: Debt collection

VALIDATION AND CEASE AND DESIST CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Dear CAPITOL ONE I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

SEVERAL WEEKS AGO I PRESENT A FRAUD PROBLEM TO MY BANK ACCOUNTS FRAUD DONE WITH THE DEBIT CARDS CARDS THAT I NEVER HAD IN MY POSSESSION, OF HER I ONLY HAD ONE I CUMUNIQUED ME WITH THE BANK AND I LET THEM KNOW ABOUT THE FRAUD AND ALL THE TRANSACTIONS MADE WITHOUT ME CONCENT, THEY STARTED AN INVETIGATION AND THEY ONLY TOLD ME IN 10 DAYS OF INVESTIGATION THAT THEY COULD NOT RECOVER THE MONEY, THEN AS WHO AM I THAT IS LOSING ALL MY MONEY AND THE ACCOUNTS IN NEGATIVE, FRAUD FOR MORE THAN XXXXXXXX XXXX DOLLARS, THAT RESPONSE TO A CUSTOMER THEY DIDN'T WANT TO RESOLVE ME THEY DON'T HAVE CUSTOMER PROTECTION, I MADE SEVERAL CLAIMS AND I ALWAYS KEEP UP TO DATE AND CALLED TO KNOW ABOUT MY CLAIMS BECAUSE I DIDN'T GET A LOT OF CONFUSION EVERY TIME I CALLED THEY ASKED ME THE SAME QUESTIONS AND THEY DIDN'T KNOW HOW TO ANSWER THEM, I NEED HELP TO RECOVER MY MONEY SINCE WELLS FARGO DOES NOT WANT TO RESOLVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company equifax have in my credit multiplie account for the same amount and the same company and the account is already paid
Product: Checking or savings account

I was contact on my phone by company saying they are XXXX XXXX and told my power will be shut off. They asked for XXXX transfer to pay it immediately and although Wells Fargo bank knows it was fraud they are still not reimbursing me. Im out at least XXXX dollars. My power bill has not been paid and is due to be shut off.
Product: Mortgage

I had a heloc inXX/XX/XXXX with Bank of America. In the amount of {$56000.00}, of which I received ONLY {$25000.00} in XX/XX/XXXX. 
The HELOC reached a high balance of {$100000.00}, I believe, unbeknoweth to myself prior to XX/XX/XXXX. I learned of this error high balance upon speaking with a BOA representative while attempting to correct the item with the credit bureau. 
This item was on the file with the credit bureaus, in error, exceeding the seven year statute, from XX/XX/XXXXthru XX/XX/XXXX. 
I had great difficulty having this fraudulent act removed from my credit file. 
BOA charged off the account in XX/XX/XXXX, and sold the account to a collection agency, who I spoke with and are attempting to collect on an outdated account. 
The property was sold at XXXX County auction for one year unpaid property taxes, which was the equity for the {$56000.00} BOA HELOC. 
I never received a BOA bank statement concerning my HELOC deposit into my BOA checking/savings account, nor did I receive any deposit interest on the {$25000.00} that I initially received in the BOA HELOC, which possibly accrued interest adding up to over {$1000.00} per month for years, I received no withdrawal statements from BOA amounting to over {$81000.00} in transactions. 
I received a letter from BOA stating thefts from accounts at BOA and mine may have been affected in XX/XX/XXXX. 
In XX/XX/XXXX my BOA account had Overdraft fees for checks written on my account amounting to over XXXX XXXX dollars in less than one month, this did not include the amounts of the checks, which I know not, who wrote the checks, because I received no bank statements from BOA and I had an all time consuming fire in XX/XX/XXXXallegedly caused by a XXXX recalled fan motor. 
A successful Civil tort was pursued by XXXX  on my and XXXX  behalf of which I received XXXX proceeds for my demolished home insured by XXXX XXXX XXXX. 
Identity theft of myself by a BOA employee and fraudulent monetary gains activity, I suspect in this Bank of America matter. 
Again, I received only XXXX of a XXXX BOA HELOC with no interest added to my savings or checking account, that I received Not an amount of XXXX as BOA is alleging and investigating. 
I did not walk in and unlock the {$56.00} HELOC, as us required by BOA. 
I am ignorant to the dates and times and locations of the unlocking my BOA HELOC to the unheard of amount of {$100000.00}. 
The property in question was originally purchased in XX/XX/XXXX by myself for {$18000.00}. 
The HELOC loan amount of {$550.00} per month was more than it should have been on 4.5 percent interest rate for a {$56000.00} loan.
Product: Credit card

Hello, My concern is not being able to shop or make purchases with Afterpay through my Afterpay account due to this freeze that was placed on my account on XX/XX/2024. I made a mistake for what was said and I have apologized several times for what took place. I am sorry for what was said as I was upset about this promo situation that took place with another order. I have begged Afterpay to provide me with a second chance to allow me to shop with Afterpay and allow me access to being able to utilize my Afterpay account for other orders. I have been a customer with Afterpay for several years. Ive made my payments on time and always enjoyed using the services offered by Afterpay. Please let me know if Afterpay would be willing to allow me another chance to shop with Afterpay or what I can do to make this up. I am not the type of person that is rude or disrespectful and I apologize if thats how my actions came across. I have asked Afterpay to contact me at my phone number XXXX so that I can apologize to your company for what was said. I did not mean any disrespect to any employees or to Afterpay as a company. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This item was paid and has a zero balance. It is negatively impacting my ability to obtain credit and employment. Please remove from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

Company : XXXX XXXX/TD Bank Financing Without notifying me directly, in the process of changing websites, the company moved my due date for payment up by 15 days, from the last of the month ( for example, the XXXX payment was made on XX/XX/XXXX, XXXX on XX/XX/XXXX ). Without prior notification I received a bill on XX/XX/XXXX with due date of XX/XX/XXXX and a {$29.00} late fee incurred. These are deceptive business practices, and the late fee charged is in direct violation of the CFPB 's Credit Card Penalty Fees Final Rule, which took effect XX/XX/XXXX. 

I have now spent multiple hours on hold waiting to talk to a representative in the last few months. In XXXX, I was able to figure out how to login and make my XX/XX/XXXX payment after multiple hours on hold with the company without speaking to anyone. Today, the company routed me to an " end of call survey '' without speaking to me. I am again on hold after calling back, for XXXX minutes and counting. 

This latest issue is the most recent in a long line of deceptive business practices which have made it difficult to make my $ XXXX  monthly payments on time. In XXXX of XXXX, following unclear communication regarding how to initiate payments that required substantial time commitment on my part to address, the company charged a {$39.00} late fee, which effectively doubled my payment and is far beyond that now allowed by CFPB XXXX XXXX is owned by TD Bank ). 

In changing its website, the company has also wiped all previous electronic statements from user accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX. Please remove it from my credit report. 
US DEPT ED Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$110.00}
Product: Consumer Loan

I purchased a XX/XX/XXXX XXXX from March Motors. Buy here Pay here establishment. I paid {$200.00} for the tag. My payment books shows XXXX bi weekly payments of {$240.00} and the last ( XXXX ) payment of {$170.00}. 

The tag was only {$170.00}, leaving a credit of {$20.00}. My Florida Vehicle Registration shows hand written the credit will be applied to loan. 

XX/XX/XXXX, I received pay off balance of {$1300.00}. I then asked for pay off balance again On XX/XX/XXXX concerning my last payment per scheduled payment statement for XX/XX/XXXX. 

I was informed by email on XX/XX/XXXX by written attachment of {$380.00} after making a payment of {$240.00} the same day. 

Now according to the payment booklet, my last payment shows last payment of {$170.00}. 

At this point, I asked for itemized payment history. I would only receive statement of {$380.00} until XX/XX/XXXX. 

I have asked by email over and over for itemize statement, to no avail. 

Now after sending email to XXXX of March Motors ( Cashier ) that I would be filling complaint to Consumer Financial Bureau, I finally received partial itemize payment statement. I also asked over and over, how when last statement shows {$170.00}. 

I have yet to receive an answer. 

This establishment will not allow grace periods, therefore how is that amount accurate? I have yet to see what are the late fees along with interest. 

I have emails along with documentation of my tag statement. It is not adding up. 

How is the last payment {$380.00}? 

Please assist so I can pay this vehicle off. 

I have documentations of payment scheduled printout, along with emails for my proof. 

Please assist. 

RespectfullyXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I must say that I am extremely disappointed with the inaccurate information on my credit report. As a consumer, I have the right to be treated fairly, and it is evident that my consumer rights have been violated. It is unacceptable that you have failed to meet your responsibilities towards accuracy and compliance.
Product: Debt collection

XXXX XXXX Account # : XXXX I have contacted this to remove this unauthorized account from my credit report on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information in the background check provided from my previous employer, XXXX XXXX XXXX XXXX about my employment and certification, which cost me a job. I was employed there from XX/XX/XXXX to XX/XX/XXXX as a XXXX  XXXX  XXXX  from XXXX, however they information indicates employment dates XX/XX/XXXX to XX/XX/XXXX as a tax associate. In addition, I didnt receive any information on my background check for another employer, XXXX & XXXX XXXX where I worked with from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to provide me with adequate proof as to their right and the right of the alleged creditors claim to the information reported on my experian consumer credit report. Experian has not maintained an fair and impartial position in this matter and has reported information on my experian consumer credit report solely based on whatever information the alleged creditor has given them. I have reach out to all of the companies claiming to be an original creditor they have all failed to provide substantial proof of this pursuant to Federal Law. Any legal action taken against these fraudulent claims, I will include Experian as a co-conspirator and co-defendant. ON XX/XX/2022 I sent a cease and desist complaint via the CFPB # XXXX. This complaint was not addressed and the numerous account continued to report as verified. ON XX/XX/2022 I request a method of reinvestigation disclosure from Experian via the CFPB # XXXX so that I can have a full accounting of the steps taken to validate the information on my Experian report. Experian failed to provide me with this information and has still continued to report the many accounts in which I informed them should be removed from my Experian credit report.
Product: Mortgage

I was at signing a close loan and at time did not receive XXXX concern process including mortgage loan have received loan assignment number fix loan movement up as log with City as XXXX is it supposed to be movement just received in {$1400.00} 's Freedom mortgage documents missing from ca tx residency
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 requesting that Transunion reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, they have failed to respond to my request. Transunion must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXXXXXX
Product: Student loan

I work for a public employer ( XXXX XXXX   XXXX  ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX  on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months. 

Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program. 

I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.
Product: Debt collection

I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely, XXXX XXXX