23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00}.
Product: Debt collection

I hope this message reaches you promptly. I've followed the correct procedures in disputing these accounts reaching out to the bank, filing a report and affidavit with law enforcement through Identitytheft.gov, a federal agency, and contacting the credit reporting agencies. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00} and XXXX XXXX XXXX XXXX Date XXXX Balance : {$3600.00}. This matter requires urgent attention, and I request that you handle it with the swiftness it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law has been violated in accordance with15 U.S.C ss 1681s-2 ( B ), by continuing to furnish inaccurate information to my credit file after I have brought to their attention the inaccuracies of the information reported on the following accounts XXXX XXXX XXXX  ACCOUNT NUMBER XXXX AND XXXX ALL THREE CREDIT REPORTING AGENCIES repeatedly claimed verification of the account when its the accuracy that is in question. I will hold Experian, XXXX XXXX and XXXX liable for reporting this inaccurate account and pursue damages as permitted for violating my rights after I have bought the inaccuracies in detail to their attention. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

The issue began when I tried to open a new account at Fifth Third Bank under a new customer promotion. 


The bank denied me the promotion, saying I was an existing customer. However, I had no accounts with Fifth Third Bank at the time. I never consented to be a joint owner of the account they said I was. I asked for the signature card or any other evidence that I agreed to be on the account. They said they had nothing. I asked to be removed from the account. They refused. They are holding me accountable to a checking account I never consented to ( or even knew about ). 


The banks official response ( paragraph 4, attached ) from last week is that I came into the bank on XX/XX/2019 attempting to open an account under a promotion, but was denied that promotion because I was already on another account. However, paragraph 3 states that I was added to that account on XX/XX/XXXX, XXXX days later! In other words, they denied me the promotion because I was going to become a customer 46 days in the future. Im not sure if they are claiming clairvoyance or time travel! 


Other attempts to resolve the issue have resulted in similar nonsense. I talked to banker XXXX XXXX at the XXXX XXXX branch yesterday. He said he would not touch the account because there was no record of my signature on file. He said that creating an account without signatures would be grounds for terminationand he didnt want to become associated with it in any way that might risk his job. That seems to be the theme here. The bankers I have talked to all appear to be covering for each other because they know somebody will pay a price if they fix the problem. I believe that is why I have been unable to get my name off of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B
Product: Student loan

I graduated from XXXX XXXX XXXX XXXX, 2015. The lender is aware of this. They now say I am 3months overdue. I have a 6th month grace period after graduating. They refuse to address this. I have had the same problem with this lender over the years. They did the same thing when I got my XXXX. Last summer, they did the same thing, even thought I was still enrolled in y graduate program. They never address the issue.
Product: Mortgage

I am a customer of TIAA BANK who moved the loan servicing to XXXX. # XXXX My contract allows the subordination of the loan. However, TIAA as well as XXXX XXXX are refusing to reveal the condition for subordinations. It has been over 4 weeks. I have suffered financial harm as loan rates have changed in the meantime, and I had to pay for home appraisal. 

XXXX XXXX XXXX
Product: Student loan

When XXXX took out my student loans I took through XXXX XXXX. I signed to pay back for a 30 year plan. I was told nobody could change that without my consent. My loans were sold to multiple different companies since. XXXX and now Mohela both changed my loan to a 10 years repayment. When I called multiple times to try to get my 30 year back the both said it was not their fault I was promised something different by XXXX XXXX and my University XXXX XXXX University when taking out the loans. They both said my only option ins income driven payments but those are still based on a 10 year pay back which I cant afford and never would have agreed to do.
Product: Mortgage

XX/XX/XXXX To whom it may concern, I am filing this complaint against LoanCare. 

-- -They reported to XXXX XXXX XXXX one of the servicers of our mortgage loan that we were late in XXXX when this is not the case and in turn XXXX XXXX XXXX reported negatively on both of the borrowers credit reports. -- - When I was first put into forbearance by the servicer Loan Care ; I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made another full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made three payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time. 
As you can see from the attached Loan Care never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XXXX XXXX XXXX  claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page8+ ). They claim that LoanCare gave them this information, but LoanCare is wrong because we requested for forbarance before that time and they always told us that it wouldnt be marked as a missed payment while it was being approved if we made payments even if they were partial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls. 

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Debt collection

Was charged for XXXX  that I had no knowledge about. I was in the hospital, not in the right state of mind due to XXXX. If I signed anything, I was not in the right state of mind to sign anything. 
XX/XX/year> date opened In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, my case No. XXXX, last month I filed a complaint because Carrington mortgage services llc, increased the monthly payment to $ XXXX/mo, the reason was because the home insurance premium was up, I was paying $ XXXX/mo ( I found the reason about the insurance after they lied to me many times ), so on XX/XX/XXXX, the payment went down to $ XXXX/mo ( attached documents ), and they told me that 's amount I will be paying the rest of the year 2016. Today XX/XX/XXXX, I received a letter saying that they increase the payment again to XXXX/mo, I wonder if they will tell me another excuse and keep increasing the payment every month. On the first complaint I asked to turn the loan back to XXXX XXXX XXXX XXXX, these people are in the state of XXXX, I live in XXXX XXXX, and I 'm XXXX, for me it 's easy to go any XXXX XXXX. I never asked XXXX to turn the loan to Carrington.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Mortgage

I was approached by Chase, which is my current mortgage company to refinance my mortgage loan. I was sent the paperwork to sign. The document package stated that it was time sensitive ; stating the signed Authorizations to Disclose Information documents should be return by XX/XX/XXXX 2015 ; the stated expiration date being XXXX XXXX 2015. However, I had not received these document until XXXX XXXX. These were signed and shipped in the pre-paid envelope provided on Friday XXXX XXXX. 
Additionally, Chase required certificates of insurance for flood and property. When I spoke with the designated Mortgage Banker XXXX XXXX XXXX XXXX by telephone call XXXX located in XXXX, AZ XXXX, I informed her that I would require an email address, since I did not have a fax machine. She stated that she would provide that shortly because she had to send me additional paperwork. I never received any emails from XXXX XXXX. I spoke with her again to request an email address in order to submit the COIs and any other documentation. I also informed her that I had never received any paperwork from her. She stated that she had sent me many emails. At which time I reviewed all my email Inbox. 
At the end of the call, she stated that the loan had been terminated because the paperwork was not submitted on time. I stated that I disagreed with that statement and 1. the signed documents were returned the day after they were received and 2. the COIs were pending her email information, which XXXX XXXX never provided. And as per the Chase document, the expiration date XX/XX/XXXX. Chase sent a follow up letter dated XXXX XXXX 2015. It states that " Unfortunately, we could n't approve the loan because we did n't receive the additional information we requested. As a result, we cancelled your application. " Based on the way this was handled by Chase and XXXX XXXX, there is no reason for Chase to approve this loan. Since it is not in their best interest, the interest rate would drop.
Product: Mortgage

Each month my husband and I pay our mortgage on time. We just purchased our dream home in XXXX. PLANET HOME LENDING purchased our mortgage from our previous mortgage company. We have our taxes rolled into an escrow account. Our escrow account has XXXX $ in it. Our mortgage company is refusing to pay our taxes in a timely manner. The township we live in is threatening to put our house on tax sale. This is public record, and we dont want or need this stress or blemish. We are considering taking the company to small claims court. We have been calling the company all week, and they keep putting us on hold and not answering our questions. They told us they were going to call the township and they have not made an attempt to call the township as we have been contacting them everyday. We have a XXXX year old XXXX  that lives in our home and we can not have the threat of losing it to something thats out of our control. Please help us.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, I have an FTC report and a police report proving its not mines. XXXX XXXX  is continuing to lie stating this account is mines. Ive uploaded proof numerous of times through XXXX. XXXX removed blocked the account in XXXX, just for them to unblock it in XXXX and say that they cant dispute it for fraud anymore.
Product: Credit reporting or other personal consumer reports

I never recieved the information XXXX requested just a claim of denial. 

This is what I request 3-4 times since XX/XX/year>. 

1. A complete and detailed payment history for the account, including all transactions and payment dates.

2. A copy of the original contract, including my signature, that I entered into with your organization.

3. Any information regarding whether an insurance claim has been filed against this account.

4. Documentation outlining the chain of title, demonstrating your authorization to collect on this debt.

5. If item 4 does not pertain to your organization, please provide me with the process of your investigation and the basis for your findings. 
I appreciate your immediate attention to this matter and expect a prompt response.
Product: Credit card or prepaid card

I have a XXXX credit card through Comenity bank. I have purchased upwards of $ XXXX $ XXXX of purchases on it since XXXX. I have not received any reward points on any of my purchases since XXXX. I have tried to call them and email them numerous times. They have not been able to help me. It has been ridiculous that we are at month 3 without receiving those rewards.
Product: Debt collection

I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.
Product: Checking or savings account

I was a member of Navy Federal credit union XXXX years ago- I was a XXXX XXXX XXXX XXXX who held an account with my then XXXX spouse. My spouse drained all of my accounts and took out cash advances on my NFCU credit cards after I kicked him out for having XXXX XXXX XXXX XXXX XXXXe while I was working. I was living in XXXX XXXX at the time, and he left the country after draining all of my accounts down to nothing, also leaving me with an XXXX. It took me a few years to get back on my feet but I did eventually, and retired from my XXXX service in XXXX now permanently XXXX as well. I have tried contacting NFCU to regain membership and pay any debts owed, yet they refuse to assist me in anyway, saying my debts were charged off and therefore I can never again be a member of NFCU-
Product: Money transfer, virtual currency, or money service

I was with this bank for a year and they recently closed all of their debit cards and accounts. I was asked to link an external bank account so I could receive the money that was in my account. However, my account was going through a chargeback and this lead to my account being extended. As soon as I got my money back I linked the account and would wait for the money to show up in that other account. One day I tried to transfer the money manually through the app itself but it declined the payment even though I had the amount still in there. The next day I wake up and I can no longer see details of my account. I email them and they said they would have details by the XXXX and now it is the XXXX and the original guy I emailed has not responded to my email.