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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Product: Credit reporting

I am trying to get a mortgage for a new home, I sent a letter to Experian over 45 days ago and I still have n't heard anything back from them!! I am really XXXX by this, I need to move as soon as possible. And I do n't have time to sit and wait for them. My main concerns have been addressed in the letter I have attached!
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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 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. Please remove the following items from my credit report XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company Names for Fraudulent Hard Inquiries US Bank on XX/XX/year>2024 XXXX XXXX XXXX  XXXX on XX/XX/year>2024 XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year>2024 XXXX XXXX  on XX/XX/year>2024 XXXX XXXX XXXX  on XX/XX/year>2024 XXXX XXXX XXXX on XX/XX/year>2024 XXXX  XXXX XXXX on XX/XX/year>2024 XXXX XXXX XXXX XXXX on XX/XX/year>2024 I contacted all of the creditors above to have inquiries removed however they still appear on my credit report there are many inaccuracies they are reporting different dates on different credit bureaus and they are also fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

Under the FCRA Regulatory Laws and Guidelines protecting Consumers, I have urgently notified AFFIRM , INC numerous times that this Account must be Closed and Ceased. Due to the Fraudulent and Inaccurate reporting 's of MisInformation about the total balance amounts, payment history, and term agreements regarding this account.

AFFIRM , INC has committed complete Identity Theft by knowingly furnishing incorrect and false information regarding this Account, in an attempt to collect more monetary gain unethically. My monetary obligations to Affirm were paid in full years ago and they continue to report illegally false balances to XXXX. 

It has also been brought to my attention that AFFIRM , INC is also ILLEGALLY SELLING my personal information such as Social Security Number, Home Address, Email Address, and Phone Number to several Third Party Entities that I DID NOT AUTHORIZE or give consent to do at ANY TIME. This is a complete violation of my Federal Consumer Rights, Federal Consumer Laws, and is out right illegal. AFFIRM, INC. is abusing their power as a Creditor is attempting to take advantage of Consumers, by capitalizing off of them in unethical and illegal ways.
Product: Debt collection

XXXX on the do not call registry and the debt collector is still calling me. I told XXXX to block this number but im still getting calls. I told the number to stop calling me and it still is. It calls me every day. Sometimes at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous.The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts I mentioned : XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX XXXX Date of Inquiry XX/XX/, XXXX XXXX Date of Inquiry XX/XX/, XXXX  Date of Inquiry XX/XX/XXXX  & XXXX XXXX XXXX Date of Inquiry XX/XX/
Product: Credit reporting, credit repair services, 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 : XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
XXXX XXXX  XXXX XX/XX/2017 SANTANDER CONSUMER USA XX/XX/2017 XXXX   XXXX XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have been asking to have my name spelling corrected as in my ID and birth certificate. In addition I also made it known that there are unauthorized inquiries on my account. There should only be one on behalf of XXXX XXXX which will be XX/XX/year>. Can you please assist me by having this corrected.
Product: Credit card

On XX/XX/2023 we received a telephone call from a person identifying himself as being from Georgia Pardon and Parole stating our son was scheduled to be released from prison but he needed an electronic monitor which there was not time for them to provide. He requested we send this money so they could proceed with his release. He requested {$1500.00} which I sent via XXXX off my Discover card. He then said his supervisor would send the request for me to pay. When the request came through, it was for {$1600.00}, and I did not catch the discrepancy before approving the payment. When this transaction went through, I was told they could not just make an adjustment, I would have to send the payment again for the correct amount and they would refund the incorrect amount. His supervisor again sent a request to XXXX for the correct amount and I authorized the payment. I now have two charges on my Discover card, {$1600.00} and {$1500.00}, which includes a transfer fee. The caller then stated this payment did not go through and requested I purchase a XXXX XXXX reload card to send the money. I was told this amount would also be credited back to my account. I sent my wife to XXXX and she had to purchase three XXXX XXXX  cards at {$500.00} each. I have disputed these charges with XXXX and Discover. 
I learned this was a scam the same day and disputed the charges with XXXX and Discover. I canceled my Discover card and requested a replacement the same evening. I just received the decision from Discover that I will be responsible for these charges because I authorized the charges even though Discover acknowledges this is a scam. 
This is a scam that is being used to defraud families of incarcerated individuals. I am XXXX XXXX XXXX and XXXX. This constitutes elder abuse and I should be refunded my money. I have not received any merchandise. I have filed a police report that can be provided if needed and have included an attachment describing this scam. Discover should reverse these charges and remove them from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I am a new customer with Chime. I linked an existing checking account to my Chime account and using the Chime app, initiated an electronic funds transfer to take {$250.00} from my other account to my Chime account ( checking ). This was done on XX/XX/XXXX, it was disclosed to me that this would take 1-5 days to show up in my Chime account. The funds were taken from my other account on XX/XX/XXXX ( I have attached a screen print showing when it was taken ). It is now XX/XX/XXXX, exactly 5 business days since I requested and now 4 business days since the funds were taken from my account. Chime still has not deposited the funds into my account ( I have attached a screen shot for that as well ).
Product: Mortgage

I suffered a loss in income due to COVID-19. I asked for and received a COVID forbearance on my mortgage. PRIOR to the end of the 18th month I requested that the 18 months past due payments be moved to the end of my mortgage per CARES act protection. I notified them by phone, in writing and via online email/message on the secure portal account that this is what I desired. Specialized Loan Servicing ( SLS ) just kept acting like I had not made this request. I started documenting including printing off written requests and keeping logs of most of the calls made. One example is On XX/XX/2022 at XXXXXXXX XXXX XXXX with XXXX this request was made verbally. We started a complaint at XXXX XXXX in order to get some help since we felt that SLS was not acting in good faith. XXXX XXXX claimed they contacted SLS and that we were OVER 18 months past due. I emailed all documentation/ mortgage statements to XXXX XXXX showing that we were not over 18 months past due. I have never heard from XXXX XXXX again. I have a case number and agent name if needed and all supporting documentation. 

After XX/XX/XXXX, the SLS verbiage changed and they started stating I had to make a payment in order to " qualify '' for the payments to be moved to the end of the mortgage as a balloon payment. Finally, several days prior to the end of XXXX I made this payment out of fear of losing my home. I had to literally fight, to get them to take a payment. The whole phone call was the most unpleasant experience I have ever had in my 79 years with a customer service agent. 

Starting at the beginning of XXXX we notified SLS that we were working with the North Carolina Homeowners Assistance Fund ( NCHAF. ) This was done verbally, in writing, on online portal and via XXXX XXXX. Despite over 5 months of trying to work with Specialized Loan Servicing ( SLS ) and them being listed as a participating mortgage lender, NCHAF has not been able to get SLS to verify the debt and allow time for payment from NCHAF so that they can be paid to bring our escrow shortage to a lower amount and to help with past due payments since the end of our 18 months forbearance. ( We have supporting documentation showing where NCHAF has been reaching out repetitively to SLS if needed. ) I also have where SLS is listed as a participating mortgage servicer. 

I am elderly and feel that I am being taken advantage of/predatory lending practices are occurring by SLS, XXXX XXXX and XXXX even NCHAF. I have 99 % equity in this home which has been in my family for over 200 years. I am in fear that we will be placed into foreclosure unfairly. We have over {$29000.00} in funds with NCHAF that could stop this process if only SLS would work with NCHAF in order to get it done.

I am hoping this does not require me to get my attorney involved. I can send documentation if requested by CFPB but due to the fact I am in fear of needing to seek legal action, I am not attaching all documentation for automatic sending to SLS. Specialized Loan Servicing has already stopped sending monthly statements and other documentation to us.
Product: Debt collection

Hi, Back when I was a student in college in XXXX of XXXX, I had a sick day at work, and my manager demanded that i go to the doctor to get a doctors note for missing work that day. My job was at the XXXX XXXX XXXX and was considered a " work study '' position offered for students who needed to work 20+ hours a week because they were low income students and also had the opportunity to do school work and focus on studies at the same time. I went to the doctor paid my co-pay and that was it. I got my note, paid my dues and was on my way to not being fired for being sick. Unfortunately 2 years later I have a collection on my credit report from XXXX XXXX. As soon as i figure this out I pay my debt through the debt collection agency. I had gotten no notice and was completely unaware that there was even a {$160.00} bill attached to my name for this doctor 's visit. If i knew I had to pay that much money for this I would have never went to the doctor. I feel like i was taken advantage of as a young student by a XXXX. Now i have a collection on my credit report for {$160.00} that i did pay back in full, in early XXXX and it is still till this day negatively impacting my credit score and report. I just truly feel that I am not the only person this happens to, and it feels completely unfair and out of my control that this happened to me and is negatively impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute a fraudulent account XXXX am a victim of identity theft, and I this is not my account. I am requesting that you investigate this account below. It should not be on my Equifax Report. Please investigate remove this account as soon as possible. In addition, pursuant to..as a victim of identity theft I am requesting that you provide me with copy of my report once this is removed. I am a victim of your data breach in XXXX as well as XXXX data breach. 


Please remove the account below. 
XXXX XXXX XXXX XXXX XXXX This do not belong to me.. 
There is not original creditor on my profile but the account number XXXX ( It says medical but its not specific this is breaking the Hippa Law and this do not belong to me Also I have several unauthorized inquires delete. 
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Student loan

Back in 1999, I started to attend a technical school, I went for one week and got job, So I did not return to the school and went to work instead. So now I am being held responsible in paying at least XXXX back for the loan. The school no longer exist, it hasn't in a very long time.
Product: Mortgage

I did not choose Freedom Mortgage. Rather, my VA home loan was acquired by Freedom several years ago. I refinanced, staying with Freedom, in XX/XX/XXXX. The monthly payment amount quoted in the refinance was great, so I went forward with it - saving ~ $ XXXXmonth. The company has missed paying some of my taxes every single quarter for the last year. I get delinquent notices, call, submit documentation, repeat. They held my old mortgage, it should be the same with slight adjustments each year for tax increases. 

It's now a year later and it's clear that most of the calculations used to come up with that monthly payment from the refi were incorrect. Taxes on one of the lots on the mortgage were ignored entirely in the calculation, and I guess on the other lot two numbers were flipped - using {$1300.00} per quarter where it should have been {$1800.00}. I got a letter dated XX/XX/XXXX telling me I owe {$480.00} more per month. Then, only 11 days later - XX/XX/XXXX - I got another one tacking on {$130.00} more. So a surprise 46 % increase every month for the next year due to negligence or deception. Now my monthly bill is higher than before the refinance. 

I know this is a temporary increase for the next year, but it is substantial. Also, I have low confidence in their administration of escrow accounts and no recourse if they continue to make mistakes. How was this never caught and the escrow allowed to go negative? How did none of my calls, every quarter, about unpaid taxes trigger someone to reevaluate before it got so far behind? Also, consider that I made it clear to Freedom that I was shopping around for my refinance. With that in mind I have no way to know if the numbers were misrepresented intentionally to make their refinance more lucrative next to any competitors or if it was just negligence. Regardless, it seems like the consumer is at the mercy of the mortgage company and whatever numbers they decide to put on the statement each month, and in the case of this mortgage company those numbers have been consistently incorrect for an entire year. The only thing I can do is pay whatever they say I owe or pay thousands to switch lenders, likely ending up with a higher rate and no guarantee my mortgage won't just be sold back to this company again.
Product: Debt collection

This debt collector has been doing unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I definitely didn't sign an agreement on. A legal contract is signed by TWO parties and I did NOT participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges and threatened me with harm. I demand this account be taken off immediately. The amount of stress Ive endured has led me to be XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this yearXXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.
Product: Debt or credit management

About lesxington law settlements. I signed up for sevice with lesxington law XXXX XXXX XXXXXXXX with monthly subscription of {$99.00}. I have be waiting for the refund settlements but haven't gotten yet. This is my updated address. 
XXXX XXXX CT. 
XXXX, NC XXXX. 
Thank you and looking forward for my refund settlements check. 
XXXX XXXX.