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

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within XXXX days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNTS : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter,
Product: Debt collection

Third party company has tried to take me to court about debt that I do not owe. In the beginning of XXXX, XXXX an invoice was sent out to LVNV Funding LLC in regards to violations. They responded by sending me documents of debt they claim I owed. On or about XXXX XXXX a debt violation, cease to desist letter, an affidavit of truth, and an invoice was mailed to the company certified with a green return receipt. I am giving them 30days to respond and do what I have asked them to do to clear this debt they claim I owe. The invoice was for {$35000.00}.
Product: Mortgage

I CALLED TO SET UP OR ASK FOR PAYMENT ARRANGEMENT WAS TOLD THAT I BROKE PROMISE TO PAY XX/XX/29. I WAS NOT AWARE OF THAT BECAUSE THEY SENT AN EMAIL TO MY OLD WORK EMAIL ADDRESS THAT STATED THAT I WAS NO LONGER THERE. THEY HAVE TRIED CALLING MY CELL PHONE BEFORE BUT NO CALLS CAME THROUGH AND I HAVE TOLD THEM THIS BEFORE. THEY CALLED MY HOME NUMBER BUT I DID NOT USE THAT PHONE FOR ANYTHING OTHER THAN WORK..I DID TRY ANOTHER OPTION IN THE BEGINNING TO SEE IF I COULD USE ANOTHER COMPANY TO PAY THE MORTGAGE PAYMENT UNFORNUTELY THE COMPANY DOES NOT PAY THOSE TYPES OF BILLS SO I LET THEM KNOW THIS. I HAVE EXPLAINED I HAVE BEEN HELPING OUT FAMILY AND HAVE MOUNTING MEDICAL BILLS. THEY SAID THAT THEY ARE NOT WILLING TO WORK WITH ME. THEY HOWEVER DID CALL XXXX  AND SPOKE WITH XXXX MANAGEMENT WHOM INFORMED THAT I WOULD BE GETTING SOME FUNDS TO PAY RENT AND THEY WANTED THOSE FUNDS. BOTH PARTIES ARE IN THE WRONG FOR SPEAK WITH EACH OTHER ABOUT MY FINANCIAL SITUATION. I WOULD LIKE A WORK OUT OPTION OR REFINANCE TO A LOWER PAYMENT. AT THE TIME I GOT THE MORTGAGE I HAD NO DEBT AND EVERYONE WAS HEALHTLY SITUATION HAS CHANGED SINCE ORIGINAL TIME AND NOW I HAVE AN OVERWHELMING AMOUNT OF DEBT. I NEED TO HAVE A WORKOUT OPTION OFFERED EVEN IF IT WAS OVER THREE MONTHS FOR THREE MONTHS I COULD MAKE LARGER PAYMENTS NOW THAT I AM GETTING BACK ON MY FEET. ALSO THAT YEAR I GOT THE MORTGAGE I WENT FROM EARNING {$100000.00} TO NOW {$65000.00} HUGE DECREASE THAT THEY ARE NOT WILLING TO RECONGIZE EITHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XX/XX/2021 credit report, DEPTEDXXXX has added a Late Mark on my credit report per XXXX and TRANSUNION. Upon further research, this account has no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not verify the debt and anybody can send a bill and say its mine. I have sent 5 rounds of dispute, asking for verification of these Late Payments, but I never received any response. According to FCRA, DEPEDXXXXXXXX  has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card

I have paid way over the amount owed and the account was supposed to be closed. Unfortunately it has been over 3 years and it seems the company continues to charge interest and fees way above the amount owed.
Product: Mortgage

we have our mortgage with AmeriHome Mortgage. We have an escrow account that pays our yearly taxes and insurance. In XX/XX/XXXX our personal insurance company made an error and sent lapse of coverage to AmeriHome. At that time AmeriHome put a forced place insurance policy on our loan and deducted {$1500.00} from our escrow account. OnXX/XX/XXXX AmeriHome paid an insurance premium to our insurance company for {$1400.00}. XXXX XXXX XXXX has contacted AmeriHome on numerous occasions to clarify the error and has sent numerous emails and faxes showing there was no lapse in coverage. I have personally called AmeriHome at least 15 times since then. AmeriHome has sent a letter stating the forceplaced coverage was cancelled but they REFUSE to refund any of the premium ( {$1500.00} ) that was paid out. This incident has made our mortgage payment increase over {$80.00} per month. I contacted the Federal Reserve and they referred me to you. Can you PLEASE HELP ME????
Product: Mortgage

XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.
Product: Debt collection

Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS.
Product: Checking or savings account

In XX/XX/XXXX 2016, two ( 2 ) unauthorised transactions for XXXX XXXX XXXX appeared on my Wells Fargo Monthly Statements. I disputed them at the XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX County, FDIC Cert : XXXX. I was given a provisional credit on my XX/XX/XXXX 2016 for only {$39.00} ( not the {$6.00} transaction ) and a letter sent stating a provisional credit had been made. No mention on of the $ 6.+ unauthrorised " swipe to pay '' app transaction -- -which my phone is n't capable of doing -- was ever made. The provisional credit was shown on the XX/XX/XXXX 2016 as provisional credit. Meanwhile, XXXX XXXX XXXX continued to accrue interest and add applicaple " payments ''. ( see attached for all three documents ) By XX/XX/XXXX 's Wells Fargo statment 2016, there was no mention of anything being made permanent, Wells Fargo was in a heap of trouble globablly and I was locked out of my online account and XXXX branch said they could do nothing. I stopped my direct deposit and left enough in the account to avoid banking fees. ( see attached ) XX/XX/XXXX 2016, I deposited {$4500.00} and spoke with Services Manager, XXXX XXXX XXXX XXXX who unlocked my online account ( short term and I noticed numerous errors in physical address, phone and account numbersbut that is another issue ), escalated the {$39.00} provisional credit and inquired as to why the {$6.00} never had been file as fraud. Another escalated ticket was issued. ( see attached ) The XXXX XXXX XXXX account as of XX/XX/XXXX 2016 was {$1000.00}. ( see attached ) Nothing has been done by Wells Fargo. No supporting documents substantiating why they refututed the swipe to pay app as unautorized, no finalised credit for the {$39.00} and {$6.00} made at the same time. XXXX XXXX XXXX has submitted it to XXXX XXXX XXXX and it is on my credit report as adverse credit reflection. ( See attached )
Product: Vehicle loan or lease

US Auto went out of business and sold our contracts to a 3rd party collection agency. With the selling of the contracts many of the agreements were broken such as warranty, gap insurance, etc. The 3rd party company our contracts were sold to does not have the same amount owed, they are unable to honor any of the agreements that were made between is the customer and US Auto.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Vehicle loan or lease

Where is my statement as promised in writing and how to pay by mail without a monthly statement?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continue to report a negative item on my credit from XXXX XXXX XXXX. This account is not mine. I have never attended the institution nor applied for credit or a loan. I sent in a police report to XXXX XXXX XXXX and to transunion. They have documentation with my signature. It is clearly fraud yet it remains on my credit report. also, transunion has inquiries on my credit report that are clearly not mine. I have sent three letters over the past year about these things and received no additional information or resolution even though I have requested it.
Product: Credit reporting or other personal consumer reports

The US Department of Education has not hired XXXX XXXX to service this federal consolidation loan orginated by the University XXXX XXXX XXXX on XX/XX/XXXX for a XXXX XXXX in the amount of {$49000.00} now reporting as {$80000.00}. This why XXXX XXXX has not supplied the federal student loan accurate payment history from XX/XX/XXXX until XX/XX/XXXX to the credit reporting agency. The credit reporting agency is not reporting month by month payment history of this federal student loan from XX/XX/XXXX until present. I have not made any payments and not requested any deferment or foreberance. The credit reporting agency and XXXX XXXX is not reporting this defaulted federal student loan month by month payment history. The CRA are required to report the complete accurate payment history month by month of the federal student loan.I wrote XXXX XXXX that I am not paying a XXXX on their federal loan terminated by the US Department of Education XXXX XXXX on XX/XX/XXXX. The Fair Credit Reporting Act, CFPB and I request the CRA to report on my online credit report the complete accurate payment history of federal student loan from XX/XX/XXXX until XX/XX/XXXX immediately. XXXX and Equifax are In violation of the Fair Credit Reporting Act and the CFPB for not reporting the complete accurate payment history of the federal student loan accoun tand must remove the account immediately. If the CRA have any problems. The CRA to address their concerns to the legal furnisher of the account the US Department of Education XXXX XXXX.
Product: Payday loan, title loan, or personal loan

My husband and I applied for a loan to repair our roof beginning XX/XX/2020. I had completed all documents online with OneMain Financial. They ran our credit twice and then provided us with a letter/email stating that if we wanted to know the reasons why we had we to request them, which as I understand it, is a violation of the Equal Credit Opportunity Act which requires that lending institutions tell you why you were denied. My husband received his letter today, dated XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX ( please see attachments ) This account attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Experian is still reporting this inaccuracy to my credit profile. 
Please see attachments that I sent in last month with the FTC report and Police Report. I expect this account to be updated and removed from Experian within XXXX hours. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Product: Debt collection

I went to Conn 's XXXX in XX/XX/2020 dealt with XXXX salesman ; he didnt explain terms come to find out that the item was sold as a " lease purchase '' without my knowledge The company IS NOT licensed in Arizona at all They take money from your account hoping you will end up with a huge debt ; non disclosure ; never knew who signed agreement
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, American Express denied me for an open credit plan even though their indenture agreement states that when an applicant applies for credit they shall be granted as long as they exercised their rights with good faith and clean hands. Also I have attached the letters and laws that are being violated in this matter. Also I'm in arbitration with XXXX XXXX XXXX, so im not sure how that company can report something that isn't my account. I explained that American Express, and the issue still have not been corrected. 

Dear Underwriting team, Today I, XXXX XXXX was denied and received an adverse action letter today for an extension of credit by American Express National Bank on XX/XX/2023. I applied for a credit card that I wanted. I have invested in this account with good faith and clean hands. Im here to accept all lines of credit, titles, and interest on this account. I have attached your American Express XXXX agreement where it states that my note is an open-ended credit line and access should be granted. I have also attached your XXXX form that explains in detail about notes and securitization transactions from the XXXX XXXX XXXX XXXX XXXX American Express National bank I ask that you please open my line of credit. 

As you may be aware, it is against federal law in accordance with the Equal opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code Sec 1691 ( C ) you assume civil liability pursuant to 15 U.S Code Sec 1691 ( k ).

American Express and American Express National Bank has violated my federally protected consumer rights : 1. 15 U.S Code Sec 1642 2. 15 U.S Code Sec 1681M 3. 12 CFR 1002 Since this letter was sent to me dated XX/XX/2023 is both proof and evidence that I have been discriminated against, and youre criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered security fraud since I have received NO BENEFIT. 


If there are any concerns than you can retract my note that I sent using my social security or to my understanding, we can than start to discuss security fraud. You have XXXX business days from the delivery of this letter to resolve this matter. 

Thanks, XXXX XXXX XXXX XXXX.
Product: Payday loan

THE CURRENT CALLER IS HIGH POINT ASSET MANAGEMENT THE NUMBER IS XXXX. THEY CONTINUALLY CALL ME HARASSING ME ABOUT A PAYDAY LOAN FROM 2011 THAT HAS BEEN PAID BUT THEY ARE CLAIMING IT HAS N'T AND ARE USING ROBOTIC CALLS TO TRY AND GET ME UPSET OR SCARED SO I WOULD PAY. NO REAL INFORMATION ON WHO I OWE AND WHEN I ASKED THEM FOR INFO THEY SAID THEY COULD NOT GIVE IT AND WOULD WRITE DOWN THAT i REFUSED TO PAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Chase Bank XXXX is in violation of 12 C.F.R. 226.5 ( b ) ( 2 ) ( i ) beginning in XX/XX/2022. 

For 20 years, we have had a Chase Freedom Rewards XXXX card that has been used every month. For the last 10+ years we have successfully been receiving e-statements ( online statements ) and monthly email notification of statement available. 

Without warning or reason beginning with the XX/XX/2022 statement, we stopped receiving notification of our e-billing statement being available -- our email address has not changed. 

Actions taken thus far : 1 ) We have resubmitted our email address on line at the Chase.com website. 
2 ) We have contacted Chase online via Chase 's Secured Messaging system on XX/XX/2022 when our XX/XX/2022 statement was not provided. " XXXX '' from Chase responded with a pre-written " canned '' response instructing us to setup online e-billing statements ( which we already did ). " XXXX '' at Chase Customer Service did not bother to read our email and view the attachments providing evidence of that action already taken. 
3 ) We have contacted Chase online a SECOND time via Chase 's Secured Messaging system on XX/XX/2022 when our XX/XX/2022 statement was not provided. " XXXX '' from Chase responded with AGAIN a pre-written " canned '' response instructing us to setup online e-billing statements ( which we already did ). AGAIN " XXXX '' at Chase Customer Service did not bother to read our email and view the attachments providing evidence of that action already taken. 
4 ) We contacted the JPMorgan-Chase XXXXXXXX XXXX at XXXX on XX/XX/2022 to complain about its violation of 12 C.F.R. 226.5 ( b ) ( 2 ) ( i ). This compliant is in-process with no resolution yet.
Product: Mortgage

My loan was sold to this lender. They did NOT provide a transfer of service letter within the required 15 days. When trying to contact them to let them know that I am on the XXXX program, there is no way to contact them. I tried logging into their website to set up an account but it isn't working. I tried calling them on the phone but unless you have a loan number, you can not speak to anyone or do anything. i used the loan number my old servicer provided as my new loan number and it did not work. I tried it 4 times to no avail. I have no way to contact, set up an account with, or pay anything to my new lender and the transfer date is rapidly approaching with no solution in sight to get it done.