23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I receive calls from Diversified Consultants five to six times a day almost every day of the week. I have requested that they discontinue all calls as a result on several occasions but they just increased after the conversation.
Product: Student loan

This complaint is in response to another complaint I filed previously in that  Sallie Mae r efused to give me information about my cosigner release., this is NOT a duplicate complaint. The first complaint got me that information now I am filing this complaint in that I think  that Sallie Mae 's P olicy on debt to income ratio is calculated incorrectly. They are currently telling me that they calculate my debt to income ratio by taking my full loan amount and d ivide it by one ye ar of my income. Now the reason I am questioning this policy is that with every other loan I 've ever dealt with the debt to income ratio is calculated by taking the full loan amount and dividing it by my income for the life of the loan or by taking the monthly loan payment and dividing it by my monthly gross income. When I questioned  Sallie Mae abo ut this they stated that is not how they do it without giving any more reason than that. I think that without being able to legally prove their policy on debt to income ratio, or provide any paperwork showing I agreed to it, that they need to calculate debt to income in the same manner that the rest of financial institutions use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced accounts in XX/XX/XXXX. The TransUnion credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that TransUnion had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which TransUnion did receive. TransUnion removed XXXX XXXX and XXXX XXXX from my TransUnion credit report. I have included a copy of my TransUnion Credit report from XX/XX/XXXX showing that both XXXX XXXX  and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated TransUnion showing the removal in 30 days per law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the identity theft to all three bureaus and they all complied. Except Equifax who left one account on my credit file that I reported to the FTC and to the police that it was fraud from identity theft. However, Equifax told me they were not removing it, after I sent them all the documentation they needed. The account that is fraudulent and still reporting is below : XXXX Account Number- XXXX********** Account Balance- {$19000.00} Date Opened- XX/XX/2015 Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, Equifax, XXXX   and XXXX are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from my credit file.
Product: Checking or savings account

On XX/XX/XXXX I notice there was a charge of {$920.00} on XX/XX/XXXX says then another charge of {$1300.00} on XXXX XXXX {$820.00} on XX/XX/XXXX also says Card payment from Secure Account on a Virtual Card ending in XXXX. I found out that Chime reopen a virtual card in my name ending XXXX card. and Taking money from my direct deposit for the month and add the total to this Virtual Card. this card was closed XX/XX/XXXX. Chime re-open this Virtual Card without my permission. Once you receive your physical card the virtual card is no longer active. I received my new card XX/XX/XXXX. I have been in touch with Chime and the refuse to help me. They can't answer my question. As of today, I don't know if the card has discontinued. They hang up the phone on my face and will not report this issue. Now what card are they going to use now?
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX made a claim claiming that the information was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! They Deleted the account.

See Proof Attached. You have violated my consumer rights.

You stated that the account was verified, how did you come to possess this information?

I am very sure I did not give you any permission ; no permissible purpose.

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Credit card

Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to 15 USC 1666b - Billing Error, I expect appropriate rectifications.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX mortgage on multiple occasions via phone throughout XXXX and XXXX of XXXX. I was instructed to email my dispute complaint to them on XX/XX/XXXX. I did so on XX/XX/XXXX and never received a response. 


-Periodic Statement Requirement In accordance with XXXX the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX XXXX XX/XX/XXXX to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX. The XXXX history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX. 

XXXX Foreclosure XXXX On XX/XX/XXXX the companys representative XXXX XXXX that the account was successfully foreclosed as of XX/XX/XXXX, my credit history also reflects this FS status for XX/XX/XXXX. This is inaccurate as the companys attorney requested the claim be dismissed on XX/XX/XXXX ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Rocket Mortgage informed me during the loan process that this PMI would be removed for free once I had paid down my loan ratio below the 78 % mark. Now that I have in less than a year paid it down to 60 % they came up with an excuse that I was in a XXXX XXXX XXXX. When I proved that false they then said that they would still need to charge me {$190.00} basically for another apprasal to be sure the value of the home has not decreased enough to put me outside of the 78 % ratio. 
I feel this is disengenous and they are purely seeking to charge me rediculous amounts in order to remove a fee they should have removed when my loan was paid to be recast. 
I seek for this {$190.00} to be fully refunded immediately. 
XXXX XXXX : XXXX Rocket Mortgage.
Product: Credit card or prepaid card

Hello, I am writing in regards to my relia card through US Bank. 
When I was first approved for my unemployment I was unaware that the pre paid card would look like a solicitation in the mail and I threw away my card. Once i saw on the unemployment site to look out for this card after I received it and threw it away I switched my method of payment to direct deposit. The paid to date number for my unemployment is one payment short. This was the first payment and I believe it's on the relia card. 
I've been calling the customer service number for card holders almost six hours a day for a week. They will not answer and its impossible to get a hold of them. 

Thank you
Product: Mortgage

My father was a XXXX XXXX XXXX and purchased a home for {$35000.00} in XX/XX/1992. He passed away and I recently assumed the mortgage. They are claiming that approximately {$65000.00} is owed on the mortgage, claiming due to several Foreclosure Proceedings, but can not give me a breakdown of all the fees. 

The original mortgage company is XXXX  XXXX XXXX. Some years ago, XXXX XXXX XXXX sold the loan to NationStar and NationStar is now Mr. Cooper. 

Recently, I had to modify the loan and they changed the supposedly fixed mortgage payments 4 times in the past year. I can't work with that, this is not normal. Especially on a VA Loan. 

I am requesting that they give me a breakdown of all the fees on this account since the beginning of the loan in XX/XX/1992. 

Please help me, I am having a difficult time dealing with Mr. Cooper. They have a problem sending Statements, Notifications and Correspondence to me every month. They can't answer my questions and they don't call me back when requested. I am always told a certain representative is working on the account, but that person never calls back. 

Thank you, I need you to promptly reply and investigate this fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX  XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sorry to keep filing complaints, it appears to be the only real method of reaching someone. 

In a previous complaint, TransUnion replied my dispute was still in process. It most certainly was not, seeing how I had to stop it so the banks response could up loaded to my account. My banks response, truncated, was no delinquency ever existed. My account had already been updated by the time they responded that my dispute was still in process. How is that possible. 

Here is my question/complaint : The statement posted on TransUnion stated I was delinquent. The amount I was delinquent by was {$0.00}. How css as n I be delinquent by nothing? Doesnt that mean I am not delinquent? 

Along with previous request of being given the last statement received by TransUnion from XXXX, I need a copy of the information XXXX XXXX  Sent that was used to generate the last statement of delinquency that TransUnion posted. 

I would also like an explanation from TransUnion as to how I can be delinquent with a balance due of {$0.00} I would like to know how the investigation was still in progress when the bank had already submitted its response and I stopped the investigation.
Product: Debt collection

Account NameXXXX/XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX Balance {$130.00} I have called the company and they have not sent me any information and I have disputed it 3 times on my report. This is not my account and I was a victim of identity theft and they never respond to letters or calls at all. 

I have even added a statement for them to know that they can call me and they have said they would delete it but it never has been. Personal Statements ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX : XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX  XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing this complaint against Capital One for failing to honor their written commitment to remove an account from my credit report, as promised in a letter dated XX/XX/2024. 
Details of the Issue Capital Ones Commitment : On XX/XX/2024, Capital One sent me a letter stating they would remove an account from my credit report. Despite this commitment, the account has not been removed as of XX/XX/2024. 
XXXX Update on XX/XX/2024 : Instead of removing the account, Capital One updated the account with a " charged off '' status and an updated balance on XX/XX/2024, as reflected on my XXXX credit report. This is contrary to their stated commitment to remove the account entirely. 
Actions Taken : On XX/XX/2024, I contacted Capital One to dispute the continued reporting of this account. They initiated a dispute but have not resolved the matter. 
I have also contacted XXXX multiple times and provided a copy of Capital Ones letter, yet XXXX has not removed the account from my report. 
Impact on Me Capital Ones failure to remove the account as promised and their subsequent update of the account to reflect a " charge off '' status is misleading and inaccurate. This action is negatively impacting my credit report and potentially my credit score, which could affect my financial opportunities.

Request for Resolution I respectfully request the CFPB to : Investigate Capital Ones failure to honor their written commitment to remove the account.

Require Capital One to immediately remove the account from all credit reporting agencies as originally promised.

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) regarding accurate and timely reporting of credit information. 
Attached Documentation I have included the following supporting documents : A copy of the letter from Capital One dated XX/XX/2024, promising to remove the account. 
A copy of my XXXX credit report showing the updated " charge off '' status as of XX/XX/2024. 
Capital Ones actions and inactions are causing unnecessary stress and harm to my financial standing. I trust the CFPB will help ensure compliance with applicable laws and protect my rights as a consumer. 
Thank you for your attention to this matter. I am available to provide additional information or documentation upon request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from Equifax marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by Equifax, and this is a negligent act on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor 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, block 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, and XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

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



XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had hardship in the past with my capital one credit card. I had sent a hardship letter to ask for help removes late payments. If they can removed OR clear the late payments from XXXX and XXXX of XXXX and XXXX XXXX of XXXX. I can get my life back on track with my credit.
Product: Mortgage

On XX/XX/XXXX, a payoff check was sent to the location my normal mortgage payment is processed by my bank. The amount paid was based on the payoff feature within the WF online account process with a payoff date of XX/XX/XXXX. Apparently when a payoff is made, there is a different address that should be used which I did not realize. I contacted WF on XX/XX/XXXX as payment had not occurred to find out the status. I was told you did not follow the instructions so the check will be sent to XXXX XXXX where it should have been sent originally but that interest will still accrue on the account. I feel this practice is deceptive in that my check went to where my payments typically go and I made a good faith effort to cover interest through the date it was received by WF. I was told that because I did not follow directions I would be still accruing interest. This seems unfair and somewhat abusive practice and I wonder how many others suffer under the same regime.