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

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. 

The late open accounts that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I initially reported these inaccuracies to your agency on [ mention the date of your initial dispute ]. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. 

I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history.

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies.

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the correction of the late open accounts on my credit report. Please consider the significance of this issue and its impact on my financial well-being.
Product: Debt collection

XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the XXXX to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Product: Credit card

On XX/XX/XXXX I made a single application for a new Citi Bank Credit Card. I already have 2 business accounts and a personal account with them. The application was denied online so I called in to see why and was told I would get a letter. On XX/XX/XXXX I received a letter stating in part ... '' We're unable to approve your application because we couldn't verify some of the information on your application. '' I called back on XX/XX/XXXX and ask what they could not verify. The agent told me she could not tell me and then transferred me to a supervisor that said the same thing. I explained that I already had other accounts with no issue and how could I provide documents or whatever was needed for them to be able to verify my information. The supervisor told me there was nothing they could do and it would stand at denied. Since they did not base their decision on my credit, but something else, I asked how they could XXXX ) request my credit in the first place and XXXX ) not allow me to rectify the situation. It wasn't until I logged into XXXX to dispute the inquiry did I discover they pulled my credit twice on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I attempted to dispute inaccurate information on my credit score affecting my credit score, because I am trying to apply for my va loan to purchase a home, I've contacted the credit bureaus to delete over 13 accounts that exceeds past the 4 year california statute of limitations, but the creditors keep illegally re-aging the accounts that total up to {$20000.00} and the credit bureaus keep allowing me them to, when I dispute the items to let them know what they are doing is illegal, experian, transunion, equifax blocks me from filing the disputes, this has became on ongoing problem for years and something needs to be done about it, I am tired, and frustrated because they keep my scores in the low XXXX 's when my scores should be in the mid XXXX to XXXX, everytime I contact them they do not fix the issues that these creditors are illegally causing
Product: Prepaid card

I bought XXXX separate gift cards of XXXX XXXX store at a big chain retailer on XX/XX/year> and on XXXX and when I tried to redeem I was unable to and it requested for me to turn in some information pictures of the card and receipts which I did in about a week later I I turned information and then as requested and I received a response saying they couldn't help me because of some thing to do with my account and wouldn't give me no recourse to fix it or anything
Product: Mortgage

In XXXX of XXXX a company called New Rez began servicing my mortgage. The terms of my mortgage only included Flood Insurance, I was paying Property Taxes and Home owners Insurance. In XX/XX/XXXX New Rez made a payment on my Property Taxes. Over the next 10 months I made extra payments to them to repay the funds. On XX/XX/XXXX I emailed the company in an attempt to make sure that this porpblem would not repeat itself, I never received a response. I have attached a copy of that e-mail. I have since received notification that my next payment due on XX/XX/XXXX will more than double from {$1400.00} to {$2900.00}. They justified this adjustment stating that an Analysis of my Escrow account had been completed requiring the increase.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX REMOVE LATE PAYMENTS OR DELETE THE ACCOUNT, NOT MORE UPDATES.
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. 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 to according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, 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.

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: Payday loan, title loan, or personal loan

Having a balance of XXXX on this payday loan, I had recurring charges of about {$30.00} scheduled to come out of my account. ( Debit first, then checking if the debit card declines ) I submitted an additional payment of {$70.00} to pay off the balance. The rep told me that after the {$30.00} recurring payment cleared that it would be paid in full. 
My loan agreement states that it should be withdrawn from the debit card first, checking account last. 

The rep agreed, noted, and informed me that {$30.00} would be withdrawn from the account, to clear the balance. 
The company processed an ACH debit payment instead of it being from my debit card so that it would accrue interest. 
I noticed a new bill of about {$50.00} and I called to find out why. 
The rep explained that it was processed through my checking account. And that it did not clear due to insufficient funds. 
I explained that the withdraw was supposed to be done through the debit card. We went back and forth debating our points to which She stated that her supervisor would clear all of the interest on the account after the payment if {$30.00} was processed! At the end of the call the rep made it VERY CLEAR that all I needed to do was call in after the payment of {$30.00} cleared yet again, and the remaining balance ( interest ) would be removed via the supervisor. 
The following day {$50.00} was withdrawn from the account. 
Customer service rep stated she could see the notes from the previous representative that I spoke with about the {$30.00} payment being processed and the interest being removed and that she was going to get a supervisor. I got transferred to customer relations who informed me that they processed a payment for {$50.00} even after I spoke with the customer representative from the previous day. But that they could not see the notations from the customer service department. 
No refund was issued. 
The company processed a different payment than what was authorized.
Product: Mortgage

I have been making my mortgage payment to XXXX XXXX XXXX with PMI  faithfully since XX/XX/XXXX, over 24 months, including a small overage toward principle reduction. Due to market conditions and principle reduction my home 's current loan to value is approx. 67 %, even using conservative valuation models. I requested they remove the PMI as I am no longer obligated to pay - they indicated I would receive something by mail within 10 days, but I received no notice. I called back about 3 weeks later and was told my request was denied as requested. I asked to be directed to a supervisor and they provided me with an email for escalations. I subsequently wrote to XXXX as directed with a detailed description of my complaint and included links to XXXX different valuation models proving my equity position. My initial email was sent XX/XX/XXXX, then a follow up on on XX/XX/XXXX - both emails were ignored. In this challenging economy I am being obligated to pay {$95.00} per month for mortgage insurance that is not required by XXXX ( investor for my loan ), and the servicer not only refuses to do the right thing, but they ignore my requests.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to : 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. 

Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX Account Name : XXXX & XXXX XXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  XXXX  XXXX Account # XXXX In addition, please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Debt collection

Bayview Home Loans LLC is trying to collect on a purported debt. Various sevicers, lawyers, and agents for purported lender/beneficiaries XXXX XXXX XXXX, XXXX. 
No valid transactions can be documented since the original purchase loan and the purported transfers and or sales of the disputed loan that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not verified or dealt with in good faith. While contesting the foreclosure initiated by XXXX for XXXX under the deceptive and possibly fraudulent identity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as trustee for the benefit of the certificateholders of the alternative loan trust XXXX mortgage pass through certificate, XXXX XXXX and their lawyers from XXXX XXXX XXXX XXXX, including atty XXXX XXXX, Esq, XXXX who may have misled the court as to the claims of XXXX and XXXX in a quiet title action and the current foreclosure action and counterclaim the purported loan was again transferred to Bayview Loan Servicing LLC. XXXX XXXX, Bayview and their agents and lawyers continue to commit unfair, abusive and deceptive practices such as robosigning and probable fraud on me and the courts. On XXXX/XXXX/XXXX I received a DEBT VALIDATION LETTER from Bayview that states that XXXX and XXXX XXXX are the owner of the debt, This XXXX XXXX differs from the previous claims since XXXX referring to XXXX XXXX or similar, erroneously named trusts. On XXXX/XXXX/XXXX I sent a response to the Debt Validation letter that I dispute the debt. Neither XXXX nor XXXX have validated the purported debt since a title search prevented me from selling my property in XXXX. While neither XXXX nor XXXX have validated their claims the figure of {$250000.00} does not correspond to the purported amount of debt. On XXXX/XXXX/XXXX I sent a Qualified Written Request by certified mail to Bayview Home Loans LLC I have not recieved a response to either letter in violation of my rights by operation of law as to the validation of debt letter and the Dodd Frank Act as to the QWR. These recent violations and abuses continue a pattern of harm, fraud and denial of basic rights where the court and Judge are ignoring the facts and policy to address the harm done to homeowners and consumers. The accounting and escrow that they keep issuing forced insurance, fees, on my property. This needs to be addressed asap as they are causing me great harm and stress. Bayview Home Loans LLC has no right to my property and they need to STOP HARRASSING me with this purported debt, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Product: Mortgage

I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department.
Product: Debt collection

Debt collection has been calling me continuously 2 times a day for the past couple of months even though informed them not to contact me. Because I didnt answer they proceeded to report the debt to my credit that was already there since XXXX. Now I have two different collection agencies on my credit trying to collect the same debt. One collection debt was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX.
Product: Checking or savings account

I called Regions Bank on a weekend after looking at my account. I noticed two charges on a account XXXX This account has never been accessed. There were two duplicate charges on XX/XX/2023. One of the charges was removed. I inquired about the other discrepancies. The gentleman left the line briefly. Once he returned, he told me it was due to fraudulent activity. He also said one of the charges was recovered on XX/XX/2023. I asked why both charges were not removed? He stated, he did not know. He also stated, the other one should be removed within a day or two. This possibly due to the fraudulent activity. I later made a claim after ten business days. I was told to allow five more business days. I waited those days. I received a letter dated XX/XX/2023. It said the investigation was completed. The merchant posted a credit XXXX. I stated to everyone there were duplicate transactions XXXX! There was a phone number XXXX XXXX to call. Once I hold on the line, no one answers.
Product: Debt collection

I had a XXXX account and decided to switch to XXXX XXXX. I called XXXX and while on a recorded line with XXXX we called the XXXX XXXX  costumer service to switch accounts. I asked the XXXX representative if i have to close the account myself to which they replied to as the account will be close automatically. I made sure to do this before the cutoff for my next monthly bill and paid my remaining balance. A couple of days later i got a bank statement charging me for my XXXX monthly account payment, i called the support line asking why i was charged but they told me they can not give me any information because i no longer have a unique passcode with them because i no longer have an account. I disputed the charge through my banking app and the money was refunded back to me. I do not get anymore messages or any mail from t-mobile about the outstanding payment to me and the last email i did get was on XX/XX/XXXX telling me my account is deactivated. Yesterday on XX/XX/XXXX i get a phone call from Amsher Collecting agency telling me i have an outstanding payment of about double of what i owed on my t mobile bill to which i replied to them to stop contacting me about it since i thought the matter was resolved. Today i get an email from the same company telling me to pay them. I gave t mobile a call to check on this issue and they tell me i need to give them a passcode again for an account they emailed me that is closed and i have not had access for almost a year now.
Product: Checking or savings account

JPMorgan Chase is violating consumers rights. 
No matter how small or large a check deposit is, they tell you about a 3-4 day. When the make available date comes, they again applied up to two additional weeks. 
I have had this encounter with them about 3 ( three ) times. 
Checks as little as {$200.00} to {$10000.00}. 
I belive they are in violation of consumer law. 
The CFPB needs to look into this. This is happening to millions of customer across the country. 
They can't cash a {$200.00} check for a customer but can sggord to pay the CEO XXXX XXXX XXXX XXXX XXXX XXXX salary at the expense of the consumer. 
What a shame and disgrace JPMORGAN CHASE.
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to BANK OF AMER about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX 

I HAVE MY OWN FUNDING BEFORE I WENT TO THE DEALERSHIP AND THESE DEALERS BELOW WERE NOT AUTHORIZED TO PULL MY CREDIT The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.