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

i was told that credit repair would be able to remove all of my negative items within 9 month and it has been much longer than that. i was not told i had to get stuff notarized in the beginning of me joining.
Product: Credit reporting or other personal consumer reports

This is my notice of dispute to the credit bureaus XXXX, experian and XXXX Neither three Cras have given me notice of my dispute recorded in XXXX XXXX  15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX XXXXXXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of XXXX XXXXXXXX Contract I am disputing : XXXX account XXXX XXXX Account number XXXXXXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX has already deleted XXXX XXXX and XXXX XXXX due to me opting out of my information being disclosed Also XXXX XXXX XXXX  XXXX deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute
Product: Payday loan, title loan, or personal loan

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XXXX until XXXX of 2021 for the amount of {$97.00} and then again for {$1.00} for XXXX until XX/XX/2021 for my Citizens one account fitness equipment ( XXXX XXXX  ). 
I made a payment that I thought was my final payment. Keep in mind I did not receive any phone calls or any reminder correspondence through the mail, that I had a left over balance. Until I applied for a loan with my bank. So I paid the {$97.00}. To make matters worse I received 90 day delinquencies for a left over balance of {$1.00}. That I had no clue about. This company does not follow fair practices act and I am at a lost of words. I spoke with the company and all the representatives states something different yet the ending results was they cant help me.
Product: Debt collection

This company continues to report a paid debt to credit bureaus. I submitted proof of payment to the collection company and submitted dispute to thru the credit bureaus. This company refused to remove the information and continues to report on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry that appears on my credit report. 
The inquiry in question was made by Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it does not meet the permissible purpose criteria outlined in the Fair Credit Reporting Act ( FCRA ) under Section 604 ( 15 U.S.C. 1681b ). As per the FCRA, only those with a permissible purpose may access my credit report, and I have not provided consent for this inquiry, nor does it fall under any permissible purpose. Therefore, I request that you investigate this matter and remove the unauthorized inquiry from my credit report. 

Please confirm in writing that the inquiry has been removed
Product: Debt collection

Wrong amount in debt I have no debt nor acknowledge of the debts why is it still on my account fraud identity theft
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2020 KIA MOTORS FINANCE CUSTOMER SERVICE XXXX XXXX  XXXX XXXX XXXX, CA XXXX Attention All applicable In Re : XXXX XXXX XXXX -- -- XXXX Account # XXXX To all Applicable : This correspondence is being forward to your attention seeking your immediate attention on the above-referenced vehicle. On or about XX/XX/202, this account has been settled in full as contractually agreed. In other words, send me any overpayment due along with my vehicle title, IMMEDIATELY. 



Should you have any questions or concerns do not hesitate to contact me at any time, Sincerely, XXXX XXXX Digital Signature encl XX/XX/2020
Product: Student loan

I recieved a XXXX XXXX from AES consisting of {$2100.00} stating that some event occurred on XX/XX/2017 to trigger the cancellation of debt. I still have the loans with AES and am current on payments. In fact I have paid over {$100.00} extra each month on the loans to pay the loans down faster. I have no record of any cancellation of {$2100.00} of debt with AES. The person I spoke to on the phone could not figure out why it happened either.
Product: Checking or savings account

Customers do not have access to online or mobile banking and the bank stated that nightly processing is down. Several customers do not have access to their money. The bank notified the public on XXXX on XXXX/2025. XXXX XXXX
Product: Debt collection

I co-signed for two loans with XXXX XXXX for my son back in XXXX and XXXX which he has been paying but lately the restaurant business hasnt been doing well and he got a little behind. XXXX sent me a statement showing that he was past due. 
About that same time I received two letters from a debt collector called SIMM Associates , Inc. XXXX XXXX XXXX XXXX, DE XXXX saying they were trying to collect a debt. Only thing is they got the account numbers wrong and the amount was a little different then what XXXX showed. 
My son made a payment to XXXX and got caught up with his payments. I then called XXXX to make sure everything was caught up and they said yes. I then asked them about SIMM debt collections and they said that they had no clue what I was talking about and that they did not send it to collections. They said it was probably a scam or phishing for more information and advised me not to contact them. 
As much as I wanted to contact SIMM I did not and instead would like to file a complaint against SIMM if XXXX is right about not sending it to a collection company.
Product: Credit reporting or other personal consumer reports

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Checking or savings account

Wells Fargo placed a 2 week hold on a check I deposited. From what I have read holds on checks can only legally be 2-3 days. When I called them to resolve the matter they refused to help me. 

What they are doing is illegal and I am being charged overdraft fees because of this. Wells Fargo is scamming their customers yet again.
Product: Credit reporting or other personal consumer reports

My name Was misspelled on the loan paperwork under my own identity. I did not approve the loan. Nor did I sign any document. Loan was funded under fraudulent name. When it came to my attention of the existence of this loan I tried to get them to remove my identity and clear my credit report. I believe they have found their Mistake but have not cleared my credit report nor identity theft. Companies involved " XXXX XXXX XXXX '' XXXX and Westlake financial
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, a dispute was put in related to Chase Bank reporting over the balance and causing a decrease in FICO score. This month Chase Bank has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. Chase Bank has increasingly target me and the only such financial institution that has reported to XXXX to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the Chase Bank headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...
Product: Student loan

I have 2 private loans which were taken out by XXXX XXXX operating as XXXX XXXX XXXX. This school was found guilty of defrauding many students and predatory tactics and setting up students in predatory loans. I reached out to Navient to request discharge of these loans since my federal XXXX  have been forgiven. Navient was sued by an attorney general and reached a settlement to discharge loans for defrauded students who attended XXXX, however they are discharging for consumers defaulted on their loans only. Others who have kept their loans current are forced to continue paying for loans which were taken out fraudulently. Navient is aware that consumers were defrauded into bad loans but refused to discharge for everyone harmed by XXXX XXXX.
Product: Mortgage

I closed on a refinanced home mortgage on XX/XX/XXXX. The old loan and the new loan were with the same mortgage company, XXXX, also known as Dovenmuehle Mortgage , Inc . The Initial Escrow Account Closing Disclosure Statement ( shown in the attachment ) showed that the new loan escrow would open with a balance of {$5100.00} and in XXXX there would be a payment from the escrow account of {$4300.00} for Property Taxes. The new loan account showed the escrow account balance of {$5100.00} when it was set up on XX/XX/XXXX ( the second screen shot in the attached ). This screenshot came from the XXXX website details for my loan. The XXXX Property Tax Payment was never made. I received a Real Estate Tax Bill from my county in early XX/XX/XXXX. I called XXXX and was told to email it and they would look into it. I sent an email with a copy of the notice to XXXX on XX/XX/XXXX. I never heard anything. I then received a Delinquent Real Estate Tax Bill from the county in late XXXX. I called XXXX again and was told to send that. It was sent on XX/XX/XXXX. I called several more times over the next few weeks to try to ensure XXXX was looking at the issue properly and never heard back, always that they were looking into it. My last round of calls started on Monday XX/XX/XXXX to check that it would be paid. The county statement said it needed to be paid by XX/XX/XXXX to avoid additional additional penalties or collection actions. Customer service continued to tell me they see the issue but it would be up to the XXXX Department to take care of it. They also said it would be paid by the end of the week ( XX/XX/XXXX ). As of today, XXXX, it has still not been paid. When I called XXXX on Monday ( XXXX ) they said they would expedite the request to the Escrow department '' but that was all they could do and it was still in process. They also did not commit to sending a check let alone when they would send it. They also only noted that they would " do what they could '' to ensure XXXX covers the late fees rather then saying they would cover the fee. 
On one of my earlier calls the customer service agent tried to say I was responsible for paying the taxes since I refinanced and I had received the amount from the escrow account of the old loan. That is not what happened and I told them that, but I am concerned that the Escrow Department, which I am never allowed to talk to directly, does not see that. 
I am hoping CFPB can do something about this although I am not familiar with regulations related to escrow payments made by the mortgage company. I appreciate anything you can do to help.
Product: Mortgage

Dear CFPB, We own a home in XXXX XXXX that we refinanced with closing date XX/XX/XXXX. The refinance company XXXX was wonderful to deal with and they sold/transferred the loan to PennyMac Loan Services effective XX/XX/XXXX. 

A full year 's worth of wind insurance XXXX {$3500.00} XXXX and property insurance XXXX {$780.00} XXXX was prepaid by us during this recent refinance of the property and PennyMac received that escrow money when it assumed servicing of the mortgage loan XX/XX/XXXX. A total of {$5100.00} went to Penny Mac  XX/XX/XXXX in escrow to pay for wind & property insurance as well as property tax. PennyMac did not pay the windstorm, hurricane, and hail insurance or property insurance when due on XX/XX/XXXX and the wind & property insurance lapsed and we were sent notifications that we no longer had this insurance coverage. PennyMac actually started to communicate with us about our loan on XX/XX/XXXX so it had over 6 weeks to prepare for this escrow payment. 

We spent hours during this timeframe trying to reach a representative at PennyMac but had absolutely no success in navigating the phonetree options at XXXX. 

We received a very threatening warning letter on XX/XX/XXXX from PennyMac dated XX/XX/XXXX stating that we had let our XXXX XXXX windstorm, hurricane, and hail insurance expire or lapse. The letter stated that PennyMac was going to purchase insurance for the property and that we would need to reimburse PennyMac. 

Ultimately this was resolved with PennyMac paying the insurance coverage out of escrow but it took many calls and emails from us and our insurance representative to get this accomplished. 

We have owned many homes in our lifetime and undergone many initial mortgage applications and refinance processes and our experience with PennyMac over this insurance escrow issue has been the worst, bar none. Because of similar complaints raised in the XXXX website we feel it is our duty to bring these complaints forward to the CFPB. 

The company has all relevant emails and documentation on this.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had tow late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibillity to report consumer information to the best of their abillity whit maximun accuracy. I have never been late on payments fot the account : XX/XX/XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be uptated to on time as they should be as I was never late. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1

5 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.
Product: Mortgage

My mortgage company HSBC say I owe one month back mortgage and I do n't and they keep sending me letters saying that I 'm past due one month.
Product: Payday loan, title loan, or personal loan

My bank 's website has an option to apply for a " basic loan '' as they call it. I applied for it, and the denial said that I did not have enough automated deposits recently on my checking account. Is that legal to require deposits to be automatic? That seems weird to me if my deposits are regular but actually use a branch in person rather than automatically. So that if someone deposits a paper check instead of ACH then they don't get a basic loan, I guess. I know I have other problems with my credit, but this reason seemed unfair to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that you and your company is reporting are fraudulent and I'm demanding that these accounts be blocked and removed immediately from my credit file. I'm also demanding the Method of Verification used when investigating these accounts. What is the employee name and title. What date and time did this occur. How was it verfied by certified documentation, fax or phone, etc. I do not have any knowledge of these accounts and asking that they be removed. 

1. XXXX XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was infeasible. The lack of accountability and transparency is unacceptable.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.