23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

After talking to two bank representatives that if I made a deposit, that my funds would be available the next day, I deposited my paycheck in the amount of {$1800.00} into Citizen 's bank on XX/XX/2018 at XXXX. Well to my surprise only {$200.00} was released to me the next day. My funds were on hold. The week before the deposit I had opened an online account with the bank and an online representative had also told me funds would be available the next day.. I agreed to terms and conditions, but nowhere in it have I read that my paycheck would be on hold for 5 business days, who would have agreed to such a policy knowing you would need your money? On XX/XX/2018, I went into the bank and spoke with XXXX who told me my paycheck was on hold until Monday XXXX XXXX. When I asked her can't they call the bank the check is written on to verify the funds, she told me they don't do that anymore due to privacy rights. I find this so hard to believe knowing the day of technology that we live in. 
As of the date of this complaint, XX/XX/2018, I have been without my paycheck for 7 days now and my bill collectors don't care that it is for 5 business days! I feel as if this bank is punishing me for whatever reason. I have heard of banks holding funds for 3 days but 5 unbelievable! I even asked XXXX on XX/XX/2018 if I could just get my check back and she stated probably already gone through the process once scanned, but wasn't sure
Product: Student loan

I had paid on these loans for over 7 years, sometimes paying additional money to go to principle.  In looking at the records, that doesn't show on the payments.  As a matter of fact, when calling customer service about this issue, they would just state "it is going to principle, we don't have a way of proving that".  I paid on these loans every month over 7 years.  My debt owned did not even barely go down over the course of my payments!  I have finally looked into it more closely and decided to refinance.  I refinanced $XXXX, which shows a payoff date of 7 years.  My original loans were roughly the same amount when I began paying...how it is possible that over the course of paying I didn't put but a small dent in my loans in roughly the same time period?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It XXXX Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX and Final NOTICE REGARDING THESE FRAUDULENT ACCOUNTS LITIGATION TO FOLLOW I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

According to 15 U.S. code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to So please update the following account XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Ocwen uses Fraudulent Practices to Try and Seize our HomeIn XXXX states Ocwen is known for their predatory lending practices, dual-tracking loan modifications and robo- signing of documents. Now it is happening again here in IL to US! 

When Ocwen could not sale our home, they tried to buy it back for themselves on behalf of the bank at a much lower price, after they had charged off our entire principle balance. While at the same time putting us through a loan modification process for a much higher price. In addition, in rare cases are foreclosure filed in federal court, however, our is such a case. While the XXXX judges constantly denied the confirmation of the sale to Ocwen, in this latest event on XXXX XXXX, their attorney advised them to proceed with the sale in lieu of the Judge 's order. How is that possible? 
Where do we go from here if:1. Ocwen was allowed to charged off our property, issued us a XXXX, closed the account and have no communication with us the borrowers2. Then turn around reinstate the account for purpose of a Sale, without a court order? 
We are asking you to investigate this company and help us TO SAVE OUR HOME!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX Block Request To Whom It May Concern, I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
1. XXXX XXXXXXXX XXXX XXXX XXXX : Account Number ending in XXXX XXXX. Inquiry : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX 3. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. Inquiry : XXXXXXXX XXXX XXXX Auto Inquiry Date : XX/XX/XXXX XXXX. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX .Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX  ) XXXX2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXXXXXX XXXX XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

XXXX  is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

I wanted everything Removed
Product: Credit reporting or other personal consumer reports

These acounts listed below are related to Identity Theft i sent the report over to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account last reported XX/XX/XXXX but that was removed from XXXX XXXX XXXX so this should be removed from Equifax as well. closed accounts XXXX XXXX XXXX  ( Account number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account number XXXX
Product: Student loan

I have called Navient about debt repayment and they told me that they have no idea where my debt is I called more then one occasion and my credit is going lower everyday and all I want to know is how to pay and set up payment plans I can't pay XXXX a month
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/XXXX I sent dispute letters to the XXXX bureaus ( Experian, XXXX and XXXX ) disputing the late payment on the Closed account with XXXX XXXX 

Payments status reflects CURRENT on XXXX and also on XXXX but on EXPERIAN it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.
Product: Debt collection

I have no idea what payday loan they claim I have defaulted on and they keep calling me, my work and people I know using a recording saying they are searching for my whereabouts and its legal for them to call all contacts on file to find me, Press XXXX to talk to an operator or call XXXX regardless if I have information or not. They call around 5 times a day. I 've spoke with a lady XXXX time and they have personal information that does n't match the time frame they 're claiming this happened and she told me they have me on breach of contract and fraud. I requested copies of the original information and they emailed me XXXX letters with their letter head that say nothing more than what they told me on the phone. I asked if they had a fraud department and she told me since they have all of my information it 's not fraud and I 'm responsible for paying them.
Product: Debt collection

I'm not aware of the debt, I never had service at this address. There were several attempts from a XXXX dressed rep trying to switch over, never did due to the fact I was under contract with another service provider that I have been with for the last 5 years I have lived at this address. I have disputed this account with all three CRA and only XXXX  has removed the account. I have sent letters disputing and the collection agency still continues to harrass me about this so called debt that I owe. There has not verification of debt. I would like this remove as it has reflect negatively and not a true perception of my credit history.
Product: Debt collection

On XXXX XXXX I received a letter from Phoenix Financial Services LLC/ XXXX XXXX XXXX XXXX XXXX trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXX for the amount of {$1000.00} dollars and a second one from XX/XX/ for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) I sent my letter via certified return receipt on XXXX XXXX and received a response from them on XXXX XXXX. 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.
Product: Debt collection

I agreed to pay the debt for a settlement amount and it was agreed that when I made the payment I would receive two documents : one was a receipt of payment and the other was a loopy of s letter requesting the debt to be removed from my credit report. This was told to me multiple times by manager XXXX XXXX. After I sent in my payment I received my receipt and XXXX told me to give him XXXX business days and he would have the second document. Well XXXX weeks have passed and I havent received anything and they beat around the bush and give me stories on why i cant get it but its easy to validate because the calls are recorded which is my proof of what was said. The day I was told this was XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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

I was denied application for credit with XXXX XXXX XXXX and received a denial letter on XX/XX/2020.On XX/XX/2020.I received another denial letter dated XX/XX/2020.I NEVER reapplied for credit or asked to be reconsidered.I don't care what XXXX will say but I NEVER asked to be reconsidered.They did this without my consent and violated the FAIR CREDIT REPORTING ACT.I don't know why they would do this
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, This issues is not adequately resolved even though the case has been closed by your agency. The reference number is  XXXX .     Experian has stated that they ca n't find a credit file under my name. This is incorrect they have sent me a letter indicating that my credit file has been impacted by a negative item.     They ca n't have it both ways. I do have a credit report, they ca n't find it in the computer system during a cursory search. Look deeper in the computer system.     This is common given that my full legal name is  XXXX   XXXX   XXXX . A name that is this length commonly causes issues with computer systems. Happens all of the time. It is not unusual to have people with hyphenated last names.     Experian has now provided deceptive information during a credit inquiry. Experian please correct the information as soon as possible. If the issue is not corrected I will need to seek immediate legal advice from an attorney.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverified Accounts Dear Credit Reporting Department, I am writing to formally request the removal of these accounts from my credit report as reported by XXXX, Experian and XXXX. This request is based on the recent deletion of accounts by XXXX, one of the four major reporting agencies. I recently disputed these accounts listed on my XXXX report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/year>. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers credit file. I am exercising my right to ensure that my credit report remains fair, accurate and free of unverifiable information. Since XXXX has deemed these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 1681s-2 ) Information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX
Product: Mortgage

Mortgage went from $ XXXX to $ XXXX overnight without notice. 
We were aware of an {$8000.00} forced placed insurance policy that we were being charged. 

We had previous coverage. 

They charged us {$8000.00} in XXXX and {$8000.00} in XXXX without notice. Then raised our payment to $ XXXX from {$900.00}. 

When we called we were told that the insurance was back dated to when they say we didn't have coverage. So these charges were for the 2 previous years. 

I expect they would appreciate us not being able to pay our mortgage since it's escalation of {$2200.00} a month and we own XXXX  % of the house. The loan is only for XXXX  % of the value. 

Back dating and charging $ XXXX for previous years imo is a scam and mortgage servicing abuse especially when you are not notified of the increase and given a chance to fix them.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Since these inaccuracies persist, I am requesting a thorough review of the documents Ive provided so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized Inquiries on my credit report