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

I started this new complain as CFPB closed last complaint against Equifax misleading false procedures allowing scammers to report fraudulent credit slandering reports against me and not meeting the requirements I believe they are to adhere to, making misleading statements and incompetently and continuously allowing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX report XXXX and fraudulent negative credit reports against me without proper investiigation.Ive asked them countless times to remove they're fraudulent scam reporting against me, and they " claim '' they're going to do an investigation, which implies independent demand for all document, proof and validation I've many time insisting on per the simplest of my rights under FCRA, however I found out after numerous times even demanding my rights be respected and they do what's required of them properly, that they only ask scammers if what they report is true, then just take them at their dishonest word and falsely stated they've verified the accuracy and that's mind-boggling incompetently and misleadingly false.Theese scammers have never shown me, Equifax or any credit agency or agencies what they are required to do, which is to provide dumentation, proof, and validation.Furthermore they ignored all rules regulations, my rights, and obligations and responsibilities they are required and mandated to adhere to damaging me greatly.Therefore I insist on Equifax to respect my rights and do their job properly and require Credit Control XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX copy XXXX XXXX proof, and all validation I demand under the simplest of my rights per FCRA as they should know, as they never shown me, any credit reporting agency or any agency their required to do, instead of asking these scammers only, if what they're fraudulently reporting against me is true and accepting these scammers words for it as thats a highly incompent way to investigate but that's what they do sadly and I expect them to properly demand all documentation, proof, and verification to Equifax and to me as their predicated and required to do and I expect Equifax to honor this most simplest of my rights.When they fail to show as I know they never have shown and can't show to anyone any proper documentation, proof, validation my rights demand, as its impossible to show something that doesnt exist and is a scam perpetrated against me, and I expect for Equifax adhere to my rights and remove this scam if they have any professionalism or integrity and do what they are required to do.Thank you, I expect full removal of XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX they XXXX XXXX provide the proper documentation, proof, and validation I not only have a right to demand under the simplest of my FCRA rights.
Product: Debt collection

This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Student loan

I was told when my account from Mohela went into forbearance that there would be no interest accrual during this time period. I didnt even ask for my account to be in forbearance. 

Not only am I losing out on PSLF payments, but now they want to charge interest.
Product: Mortgage

I was in forbearance due to XXXX from XX/XX/XXXX through XX/XX/XXXX. In XXXX of XXXX, I advised my mortgage company that I wanted to be out of forbearance, and asked them to defer the outstanding loan balance to the end of my loan, to which they agreed. They told me they would process my loan and take me out of forbearance, and it could take up to 30 days. Since XX/XX/XXXX, up until today, XX/XX/XXXX, I have made 3 on-time monthly payments and I am still not out of forbearance. I have called my mortgage company at least 10-15 times in the past few months to ask why I have not been taken out of forbearance. Initially, I was told it could take 30-60 days due to a backlog of cases. When I called back after 60 days, I was told my loan would be out of forbearance within 14-28 days, and I was quoted it would be out of forbearance by the end of XX/XX/XXXX. I called back after XXXX ended since my loan has still not been taken out of forbearance. I have called back at least 6 times since then, asking as to why my loan has still not been processed, and I have been hung up on, or told there is no time frame to take my loan out of forbearance. I have asked to speak to a supervisor, and every time, the representative has denied me the opportunity to speak to a supervisor. They say they will have a supervisor call me back, but I have yet to receive a phone call from them. Representatives now tell me that there is no time frame for me to get out of forbearance. I have done my part to get out of forbearance, and they have not delivered as promised to take me out of forbearance. It is costing me the opportunity to refinance my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX XXXX XXXX XXXX that has put many errors on my credit report, they finally fixed this issue. Upon Experian re disputing these events, Experian marked me 30 days late all over again. My score went up 33 points once Experian incorrectly finalized their dispute my score went back down due to Experian error. I believe Experian to be not representing their dispute product properly and I do not believe they are properly even reaching out to the company that is being disputed. I would like this fixed once and for all this has been a 3 month nightmare. 
I want all late history removed permanently from the past from my XXXX portion of my credit report.
Product: Debt collection

Received a past due demand from Speedy Cash for {$300.00} letter dated XX/XX/2021. I have no knowledge of this transaction and never applied for the speedy loan. This is a fraudulent transaction and attempting to intimidate me to paying the {$300.00}. I am not responsible for the {$300.00} and will file a complaint against the alleged creditor Speedy Cash. Just returned from a short vacation to XXXX and opened the late payment notice today i.e. XX/XX/2021. The fraudulent account number is XXXX. Speedy Cash is demanding that I pay via credit card or debit card and provide my account number. I gather that this is an attempt to obtain my credit/debit card number to further maximize the rip-off.
Product: Credit card or prepaid card

This company provided the most inept, frustrating customer service experience of my life, wrongly withholding {$250.00} from me for nearly XXXX months as a result. 

On XX/XX/XXXX I received an email informing me of a {$250.00} rewards redemption on my XXXX card. It was clearly fraudulent. I responded to the email and messaged Comenity through the website to tell them it was fraud. I also called the company and spoke to someone for over an hour detailing what happened. 

I received no communication from the company for several weeks, and then months. When I messaged them through the website, I got stock replies. When I called, I got conflicting messages from their customer service personnel which left me with the impression that no action was actually being taken. 

XXXX months after my initial complaint, they sent me a letter asking me to write them and describe what happened, even though I had already explained the situation multiple times on recorded lines. They clearly had not been doing anything to process my complaint. After I wrote them, they replied with Thank you for contacting us please allow up to 90 days for us to complete our investigation. No acknowledgement that this was an ongoing case. No recognition that I had been trying to deal with this for months. Nothing. 

Later in XXXX, I complained to them on XXXX. They messaged me back, telling me to call the rewards center. The folks at the rewards center said they had no record of my complaint, and no open dispute! After XXXX and a half months, all my attempts to get their attention had produced nothing in their organization. Nobody was talking to each other. 

Eventually, I went back to the XXXX customer service person, and they were able to investigate the issue and restore my rewards balance in less than XXXX hours! They had the ability to handle it the whole time, but instead the company strung me along for months without communication because of their ineptitude and contempt for me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$13000.00}
Product: Checking or savings account

An inactive that I have had for many years was cleaned out by an identity theft. There were many red flags during the transaction when my money was stolen, and Chase employees ignored them and handed over my money with no attempt to call me or my parent cosigner on this account ( the account was opened when I was very young, over 30 years ago ). The thief had my statements diverted to a gmail account and I had stopped receiving the statements. Since I wasn't getting statements I was not aware of the theft. Since I did not notify Chase about the theft, because I didn't know about it, WITHIN 30 days of the theft, Chase has refused to reimburse me, AND they also charged me {$20.00} per month for this account from the time of the theft to the time I discovered it, because the amount dipped below the {$15000.00} that was the level it needed to have in there to avoid the fee. I have worked with Chase employees at my local branch, all the way up to the " executive branch '' at a national level, and all refuse to accept responsibility and refuse to refund my money. I can't be the only one this has happened to. Chase made XXXX XXXX dollar profit XXXX quarter 2017. What is a nothing amount of money to them is a serious financial blow to me- I was saving that money for my retirement.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have made numerous attempts to move forward with a loan assumption through Freedom Mortgage and/or XXXX. I 've completed the email request process per their instructions with the confirmation from them they were going to send me the loan assumption packet within 7-10 business days. It 's been 2 months and no packet. Every time I call, both of these institutions shuffle me back to the other. The one time I did get a hold of someone who was able to pull up my account, they told me they could not move forward until the investor responded back to them, even after it was previously verified that my loan is eligible for assumption. The last time I called, neither institution, Freedom or XXXX could find my account. I feel this is a stalling tactic to dissuade me from allowing my daughter to assume my mortgage and they would rather do a bait and switch to get us to apply for a new mortgage. Please help me get some resolution to this so that we can move forward with the loan assumption. I 'm not in the best health and on a fixed income as I 'm retired.
Product: Checking or savings account

Good evening me and my mom had an account with Wells Fargo for more than 25 years. And we had some issues with late fees with loans and account fees. We also requested loans but got denied many times. We had good credit and good banking history. In 2021, my mom passed away. We had a joint account. Wells Fargo closed the account without my permission! They didn't even reach out to me to ask if its okay to close it. I called them and they refused to provide an explanation and reopen the account. That was very unprofessional.
Product: Checking or savings account

US BANK ACCOUNT XXXX US BANK IS HOLDING MY ACCOUNT XXXX AND WILL NOT RELEASE IT. I CAN'T MADE ANY TRANSCATION OR USE IT. THEY SAY IT A INVESTAGION WILL BE COMPLETED IN XXXX DAYS AND IT HAVE BEEN OVER A MONTHA AND A HALF AND MY ACCOUNT IS STILL ON HOLD.
Product: Mortgage

PHH Mortgage Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number : XXXX I've communicated to PHH mortgage multiple times regarding PMI removal request since March/April time frame yet I believe they purposely sit on the case so that the PMI can continue to be collected while refusing to process my request timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


XXXX XXXX XXXX ( XX/XX/XXXX ) - Bank Credit Card - I did not apply XXXX XXXX XXXX ( XXXX XXXX, XXXX ) - Bank Credit Card - I did not apply XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX- I did not apply XXXX XXXX XXXX  ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply XXXX XXXX XXXX ( XX/XX/XXXX ) - Bank Credit Cards- I did not apply
Product: Debt collection

The company has deleted this collection from my report multiple times and they add it back with no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact all three major credit bureaus, including TransUnion, XXXX, and XXXX, in order to address errors on my credit report and improve my credit score. Despite these efforts, I have not received a satisfactory response from the bureaus within the required 30-day timeframe, and this failure to respond has had a negative impact on my credit and financial situation. As a frustrated consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that the credit bureaus are held accountable for their lack of response.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE: Unverified inaccurate items:FED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN  XXXXFED LOAN XXXXFED LOAN  XXXXFED LOAN  XXXXI have been back and forth with XXXX and Experian for several months about how they continue to report incorrect information that does not reflect my true accurate credit report. I have supporting documentation from XXXX where I disputed several items XXXX XXXX) that were being incorrectly reported and XXXX completed investigation results came back that these  were unverified accounts and they were deleted from my credit report. I also sent XXXX and Experian a dispute as well around the same time disputing these incorrect items. Their investigations came back Verified. When I sent another letter asking for their verification process method with detailed questions that I wanted answers and documentation proof; I did not receive anything from XXXX and Experian. Yet til this day Transunion and Experian are continuing to report these inaccurate unverifed items on my credit reports. I am uploading supporting documentation from XXXX showing that these items were deleted because they were unverified and inaccurate. XXXX and Experian need to follow suit and delete the abovementioned incorrect items from my credit reports immediately.They must be removed in order to show my true credit history, as these items should not be on my credit report Pursuant to the Fair Credit Reporting Act. I expect this to be completed within 30 days.Please send me an updated report as soon as soon your investigation is complete.
Product: Credit card or prepaid card

CORPORATION CAPITAL ONE was sent a copy of the Consumers status change and then they closed the account without notice, which made the Consumers credit score plummeted XXXX points on the XXXX, XXXX and XXXX. When I called to inquire about the account being closed there was not one valid answer from CAPITAL ONES Agent they said the agreement didn't satisfy their way of doing business per XXXX who is the last associate I talked with.Cheyenne said that Agent with the ID of XXXX closed the account on XXXX XXXX XXXX. I have had 2 of my family members call and get a CAPITAL ONE, account and it hasn't been a problem until I sent the proof that the Consumer, XXXX XXXX, has changed her political status and I need full disclosure of the Account. According to 15USC 1681 602A, States I Have the Right to Privacy and I didn't give CAPITAL ONE nor any of the Credit Reporting Agencies the Right to put my Private information in the Public which is 15USC 1861 604A ( 2 ) In accordance with the written instructions of the Consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports.

I am a natural person I am a living human being, I have rights under 1681s2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a Consumer Responsibilities of furnishers of information to A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CAPITAL ONE has reported the negative information so that everybody could see. So I need the CHIEF EXECUTIVE OFFICER XXXX XXXX to provide full disclosure of this account and the wet ink Contract that we both should have signed because that is the full element of a Contract, Also there should be a XXXX on file with the Foreign Agents doing business in the United States for both XXXX and Agent XXXX. see attachments.