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

Subject : Request for Account Information Dear Capital One, I am writing to request specific information regarding two accounts I previously held with you. The account numbers are XXXX and XXXX. Please note that this is not a dispute ; I am simply requesting information for my personal records. 

Specifically, I would like to know the following details for each account : 1.The date of first delinquency.

2.The date of the last payment made on the account.

3.The date the account was charged off.

This information is important for my personal financial records. I kindly request that you respond within 30 days of receipt of this letter. 

If you require any further information or documentation from me to fulfill this request, please feel free to contact me via email at XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

The name listed on the accounts XXXX XXXX # XXXX, XXXX XXXX Services # XXXX, Trax # XXXX, # XXXX. Achieve XXXX Accounts is under a different name than mines also under a different address which does not belong to me. XXXX XXXX  XXXX is under a different name and a different address and is also reporting on XXXX and Transunion with no balance and XXXX is reporting with a balance. Its XXXX addresses reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is a discrepancy on my credit report and also is enabling me from purchasing a home and have effected my life terribly. I need these accounts removed immediately. I have uploaded my credit reports, driver license and social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a settlement of my debt due to COVID-19 and made every monthly payment of the settlement. Despite timely monthly payments, I am being reported as 60 days late which is not the status of the accommodation. My FICO has dropped over XXXX points, impacting my ability to refinance.
Product: Vehicle loan or lease

I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease. 

Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.
Product: Checking or savings account

Constant money charged due to no funds that were paid fees and claim afterclaimgot back after weeks of late fee on other bills not at fault to claims not even looked into
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is writing this letter on my behalf and there aren't no 3rd party involved. I recently check my credit report and notice inquiries on my consumer report that wasnt me. I have attached my document
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA XXXX XXXX XXXX XXXX ( XXXX ) you violated the law. I disputed these inaccurate items over XXXX days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Product: Checking or savings account

My XXXX account was closed in XXXX. I have yet to receive any mail or emails explaining why they are ending banking relationship. They are also holding money in my account and refuse to release until the account is closed but from my understanding the account is closed. I have called numerous times and told different things each time. I'm told that there aren't any notes on my account that explains my account closure. I was told that an intetnal review was done but the XXXX did not leave any notes. This is unfair and I am requesting an explanation. It has been XXXX months and I'm still waiting for my money to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXXXXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Money transfer, virtual currency, or money service

Chrysler XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Refund of unearned interest on Account XXXX It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. 

The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied XXXX to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. 

Upon receiving this written request, before the end of the XXXX XXXX period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. 

I am aware that the written statement is required considering that I am have made this request in writing. 

It is noted that I, the consumer, shall be entitled to XXXX free annual statement each XXXX without charge.
Product: Credit reporting or other personal consumer reports

company used predatory practices such as gaining my personal information and reported a corporate credit card to my personal credit report. no such account belongs to me personally
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX someone tried to take {$730.00} out of my cashapp account. Cashapp locked my account for my safety os what they said, and to contact cash support. I have contacted cash support all weekend with no response. Monday morning at XXXX XXXX  I received an email from an advocate named XXXX from cash app stating that they apologize for the late response and someone will get right on the problem. Still there was no response after that. So this morning I tried to contact cash support once again to resolve my issue and I received and email stating that my case had been closed for not responding for over a week. Which is not true because it hasnt been a week and I never got anything else from them. Now when I try to email cash support it says I cant contact them at this time and I should try again later. This is very disappointing all I want is for my issue to be resolved and my money back on my card. I told them I would also like to change all my pins/codes and request another card. If someone would help me with this issue it would be greatly appreciated. I work too hard for my money for it to just be locked in an app, with no human rep to speak to about my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXXXXXX XXXX XXXXXXXX from XXXX XXXX. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit card or prepaid card

My first statement and payment w/ XXXX XXXX ( Comenity Bank ) was due on XX/XX/XXXX, was waiting to pay until the last date due to my husband being furloughed and my salary cut 35 % with COVID19. I was a day late ( didn't realize a statement could be due on a weekend ) and paid the morning of Monday, XX/XX/XXXX online - at that time the account did not show any late or interest charges and showed I was paid in full. I just got a bill for {$100.00} ( {$29.00} being a late fee and {$77.00} being the interest charge ). Discussed the matter and they'll only waive {$15.00} for the late fee but won't waive the interest. I said I want to cancel the card then but have a custom order item ( placed 2 orders on the card in XXXX, one was delivered - hence the XX/XX/XXXX statement and the other is due in XXXX ). If I cancel the card, I'll get a fee from XXXX XXXX for the cancellation of a custom order but I don't want to have it on the Commenity Card because I feel their customer service in this specific situation is unreasonable.
Product: Checking or savings account

My account was closed as a charge off account without any notice. My account was closed with a pending direct deposit and a positive balance. Once I learned the account was overdrawn from service fees that ( we should not have even been getting because we opted out of paper statements ) I added money to the account to cover that balance and they still closed our account. When I called to find out why they stated they were unsure of why it would be closed to go talk to local branch manager. I done that and asked to reopen the account as there was a direct deposit sitting and a positive balance and they said they would not do that. Now I have to wait A week for the direct deposit to be sent back to my employer and reissued so I can get paid. This is completely unacceptable. This is with Southstate bank XXXX XXXX
Product: Debt collection

This debt was paid more than 2 months ago and still showing up as a collection in my credit report Please erase it as soon as possible Thanks
Product: Debt collection

Mariner Finance is calling me during the COVID 19 National Emergency and threatening to file a lawsuit against me if I don't make a payment. 

I haven't been able to work in 3 weeks and let them know that. 

Mariner is hard pressing me to get the money from family, friends and even go out and get a job somewhere else during a time when nobody is hiring. 

They are causing me immediate and ongoing stress. They call all the time and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fictitious report of missed payment. Closed account for this reason.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to Synchrony Bank. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX  - Loss of productivity and time : $ XXXX - Emotional distress and inconvenience : $ XXXX 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Product: Debt collection

I recently examined my credit report and found several unauthorized accounts that were added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. Transunion and XXXX XXXX XXXX  Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$400.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX XXXX  can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Product: Mortgage

Back in 2009 when all the housings went underwater my mortgage went upside down and is still hunting me now I did not walk away like most people did I stuck it out until now I asked for a principal reduction not a modification I don't qualify for refinancing through them or anyone else want touch it because of the upside down mortgage owing {$82000.00} and a home is only worth {$17000.00} due to the 2009 illegal appraising of homes and other illegal measures I asked him could they at least bring it down to XXXX XXXX or a number that makes better sense they said the only thing I can do is modified alone I have been told to let the home go into foreclosure and buy it back I don't want to do that it mess my credit up I am up to date on my payments had to do a bankruptcy chapter 7 in between this the loan is not reaffirmed they would rather lose {$82000.00} then lower the principal so I can stay in there this is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is my THIRD attempt in getting my money back from Wells Fargo. The first time I filed a complaint, Wells Fargo responded by stating that they would return my mortgage payments that they accepted although my home was in a " foreclosure '' status. 
I had fallen behind on my mortgage payments and was in the process of doing a loan modification when my home went into foreclosure. By this time, I had set up an allotment out of my military pay for the monthly mortgage amount. I paid nearly {$10000.00} in mortgage payments after being told that the payments were not being applied, but instead were being put in a separate account and they would either a. be returned to me if we were not approved for a loan modification or b. would go toward the mortgage once approved. After all was said and done, Wells Fargo took my home and my money. I was denied for mortgage assistance, the appeal was denied, and I ended up having to short sale. I was advised that I would receive location money, but I did n't get that either. It turns out that Wells Fargo was applying the payments, although my home was in foreclosure status and they have specifically stated that they COULD NOT do that. I have a written document where they told me that they were going to return the money, and still nothing. I would like for my mortgage payments to be returned immediately. 
The original response that Wells Fargo gave in regard to returning my money was that they never said that. However, it is annotated by Wells Fargo as a response to my previous CFPB complaint. Wells Fargo states ( see attachment ) : " We have provided information regarding the previous payment assistance review, confirmed that the military payments made after the loan was referred to foreclosure will be returned to the remitter and initiated a new review for payment assistance. '' The denied my appeal XXXX payment assistance review ) and only returned XXXX payment. This is the bulk of my current complaint, but I feel that I must mention how long this process was drug out and that I was traded to a different " home loan specialist '' at least XXXX or four times and had to start the process over each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT FROM XX/XX/2019 ON MY XXXX ACCOUNT. I'VE HAD A FEW MINOR HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT.
Product: Debt collection

They not only call my cell phone multiple times a day but are now attempting to call me at work when I never even gave them that number. That's illegal.