23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Again I just received today XXXX XXXX. XXXX a letter from Nationstar asking me to fill out an application for Making Home Affordable Modification Program. 
I can not remember making any inquiry about Making Home Affordable Modification Program. The only Making Home Affordable Modification Program I ever asked for was in XXXX which is HAMP Loan Modification Program and is yet to be resolved. Again, Nationstar is trying very hard to steer me away from the HAMP Loan Modification Program to entirely different program I did not ask for. This has been their scheme since XXXX. See attached the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Falr Gredit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearty states that I have the right to privacy.

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

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediataly as you are in direct Violation of several laws under The Far Credit Reporting Act.
Product: Credit card or prepaid card

Despite the multiple previous written requests, the JPMCB CARD items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( JPMCB CARD XXXX, JPMCB CARD  XXXX )
Product: Bank account or service

I recently received a bulletin from my Financial Advisor stating that CFPB is encouraging major lenders via credit cards to freely provide Credit Scores on their credit card statements or on-line credit card access. Chase Bank has mad a XXXX attempt at complying with the request. When I inquired about my credit score being available on my statement or on-line, I was informed by XXXX XXXX in the Customer Care Department that they have complied with the request by offering the service on only XXXX of their many credit card types. The particular card is a " Slate '' card. She offered me an opportunity to apply for a " Slate '' card account which I turned down..
Product: Credit card or prepaid card

I received an email XX/XX/XXXX saying my account had been suspended. I didnt see the email until XXXX, and hadnt used my card in a few weeks so I didnt know what had happened until XXXX. This is the email I received : Hi ****** *******, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX-XXXX-XXXX-XXXX. 

Thanks, The XXXX Team I called Customer Service, but they werent much help. She could only tell me my account was suspended and that I had to WRITE to Bluebird to take care of this. I sent a letter but I havent heard anything back. My family and I ended up getting XXXX with XXXX  in XXXX and I had totally forgotten about this. I checked to see if my account had been reopened or if I could access my balance, but everything is still locked up. I would just like my account to be reopened!
Product: Checking or savings account

I deposited a check into my account which ended up being a scam. Before I found out it was a scam the check was placed on a 10 day hold. Before the hold was released there was a withdrawal from my account, which I found out about after the hold was released. This prompted a claim being filed on XX/XX/year>. On XX/XX/year> I returned to the bank for an appointment with a banker in order to find out what was happening with my account. I was told my account was under review and that it would most likely be closed. After the completion of my account closure, I was to be sent the balance on my account. The balance included my direct deposit from my employer, as well as, a paycheck advance for {$75.00}. I was told my balance would be sent to me in the form of a cashier 's check after the completion of my account closure. The account has since been closed. I received a detailed bank statement after the account was closed. I have yet to receive any of my funds. I reached out to Chase once again on XX/XX/year> regarding my balance. I was told I needed to file a claim because there was never one started. I already have a claim number that I received on XX/XX/year>, but I was told there wasn't one started. It has been over a month and I have only received the run around. I only expect what I am entitled to, which is my hard earned pay. There was no way for me to access any of the funds on my account because it has been on hold. Therefore there is no possible way I had anything to do with any missing funds. Chase Bank has acknowledged that the withdrawals came from someone on their end so why are my funds on hold?
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX has violated my rights. 

I looked at my XXXX, Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to 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 card

I consistently ensure timely payments. What perplexes me is the company 's occasional late reporting, a discrepancy under USC 1666b, which mandates rectification of billing errors to reflect agreed-upon payments promptly.
Product: Debt collection

On XX/XX/XXXX, I received a letter from a supposed law firm called Selip & Stylianou stating that they have a judgement against me for XXXX Plus, which they won in court for XXXXXXXX XXXX. ( I owe no one ). With that being said. I immediately call them because I never heard of nor have I had any communication with this company. I was then sent to their website where they claimed all communication between them and me were listed and documented. Upon opening these, and reading it I realized that they were being fraudulent. 1 : The address they had was an old address of mine from 12 years ago. Made me questioned if this is a legit debt, theyd have my current address on any legal forms. 2 : the letters stated that I was served in person by someone named XXXX XXXX license number XXXX. On XX/XX/XXXX at XXXX at this old address. The letter was a sworn affidavits by this server who claim to serve me, myself in person, and that XXXX XXXX saw me and handed said documents to me. 
BUT, Thats impossible because I do not live there and have not lived there since XXXX. 3 : then there was the description of me. In this letter sworn by this person, I was approximately tall then short XXXX to XXXX ( youre either or, you can not be both. Nor can a person physically see you but gaged your height so drastically far apart. Does not make sense ), my age was unsure of and I supposedly have arm tattoos. Which I do not. I have no tattoos anywhere on my body. None! So, it is evidential that this company, if licensed, shameless practices fraud in order to get unsuspecting consumers to give them money. They lied about serving me, and then used fraudulent documents to obtain this judgement. This can not continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Transunion XX/XX/XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b )
Product: Credit card or prepaid card

A Fifth Third Bank employee pulled my credit report thru XXXX  on XX/XX/XXXX and opened a credit card in my name without authorization or a request from me. I discovered this while refinancing a mortgage thru my credit union at that time. I contacted 5/3 immediately and had the card cancelled. The 5/3 employee I spoke with stated this was done in error and would not forward my complaint to management that this was done intentionally. I used to work at 5/3 and fully understand the sales goals placed upon the staff and have a good understanding of what occurred. The CFPB is currently suing 5/3 for these actions. 5/3 has scrubbed the unauthorized card history from my profile as of XX/XX/XXXX. I have a copy of my XX/XX/XXXX credit report showing the enquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who m it may co ncern, I mailed a Multipl e Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If y ou believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complain t due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I returned the XXXX  to XXXX then got credited on the line of credit account. I then closed my line of credit account for my XXXX  on XXXX and they closed it but however they reported it as late which is false. They never generated a statement or email that stated it was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered i have several alias 's and that i have at least 1 of the following invisible loans : auto, student, and mortgage. I have never opened any of these accounts, all of my student loans are paid in full. I would like to know everything about these invisible accounts as theyre all fraudulent.
Product: Credit reporting or other personal consumer reports

I found fraudulent inquirea in my credit report.plesae romeve. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Product: Credit reporting or other personal consumer reports

I recently purchased an updated copy of my consumer report and learned there was unauthorized charges on my consumer file. 

Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Product: Payday loan, title loan, personal loan, or advance loan

Sunday, XX/XX/year>. Requesting {$2000.00}. This COMPANY did not give me a reason of why I can not get a {$2000.00} dollar loan. I make enough money to make the monthly payments in order to repay the loan back, so there should be no excuse as to why I should not be able to get a loan.
Product: Credit reporting or other personal consumer reports

dispute 15 U.S. Code 1666b - Timing of payments. on 12/15/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXXXXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Product: Credit card

On XXXX XXXX, I ordered a pair of shoes from XXXX for my birthday XX/XX/XXXX. I checked and noticed that the delivery was said to be delivered several days ago. I contacted XXXX and they said to check to delivery status. I informed them that the package is shown as delivered but I have not received the package.
Product: Mortgage

My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX  ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

-- - XXXX # XXXX ---
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on RC/RESURGENT RECEIVABL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

I never received any information about a payment being missed. I checked my credit reports and noticed that my payment history was less than 100 %. On my credit report it says that my most recent late payment was XXXX XXXX ago. This situation is really affecting me personally when trying to buy a house or a car and Im being penalized for a mistake that wasnt my fault. I mailed two letters to them explaining the situation and they said that they couldnt do anything to remove the late payment from my credit reports. They claimed that it was 30 days late and from my records, Ive never missed a payment. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose