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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Sep 23, 2019 and the subsequent response received on Dec 14, 2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2800.00} -This is not my account.
Product: Credit card or prepaid card

Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. 

When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. 

Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. 

Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. 

My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.
Product: Credit card or prepaid card

I applied for an XXXXn Chase credit card. In response, I received a letter from Chase asking me to confirm my identity, which I did, according to the instructions in the letter. I then received another letter asking me to confirm my identity and I repeated the confirmation. Chase knows my identity. I worked for JPMorgan twice and I've had a Chase credit card for the last 15+ years. 

I received no credit decision letter, but I did receive the same " confirm your identity '' letter in my online Chase account. I called Chase and asked for a decision letter on the credit application. Chase sent a cover letter, dated XX/XX/XXXX, stating : here is the information you asked for. The information was a copy of the " confirm your identity letter '' dated XX/XX/XXXX. The reference number on that letter is XXXX. 

There is an inquiry from JPMC on my credit report, dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$6300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Transunion about 30 days ago. They haven't removed any of the fraudulent items I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX  Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Senior Loan Officer XXXX XXXX Picked Up the Instrument at the Post Office on XX/XX/2023, XXXX XXXX, XXXX. As of now this Draft has been dishonored since Senior Loan Officer XXXX XXXX has willfully chooses to accept payment instruments and refused to provide payment for the consumer goods. We have contacted this person in good faith in regard to his duties to perform on our behalf on Wednesday XX/XX/XXXX, XXXX XXXX. This theft of payment and unethical business practices has caused us damages and we are entitled to immediate redress. We were then contacted by XXXX XXXX Corporate Counsel of Fairway Independent Mortgage Corporation which she chose to slander our reputations and person in regard to this consumer transaction. She then proceeded to give us legal advice which directly interfered with our unalienable rights of freedom and privacy as consumers. The response from this lawyer was on Wed, XX/XX/XXXX, XXXX in retaliation to our rights and email to XXXX XXXX XXXX This prohibited conduct by Fairway Independent Mortgage Corporation which is a Mortgage Banker company must comply with the law and be held liable for all damages to prevent any additional damages. Since there is no money, we can only take equity goods and services. Please be advised ignorance of the law is no excuse or defense. This is a public emergency where this has directly affected our living situation. The CFPB has a moral and legal obligation to uphold and enforce our rights. Thank you in advance. 


Fairway Independent Mortgage Corporation has willfully and knowingly refused to comply with our unalienable rights and the UNIFORM COMMERCIAL CODE ARTICLE XXXX - NEGOTIABLE INSTRUMENTS which has caused us direct emotional and mental distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX  XXXX XXXX ( Org. Creditor XXXX XXXX  ) XXXX Both Equifax and XXXX  XXXX XXXX were informed that these medical bills were a result of a XXXX XXXX workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

XXXX  & XXXX deleted it from my credit report but Equifax has failed respond to any of my complaints, continues to ignores me and report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Mortgage

I have been trying to get a loan modification or forbearance with Wells Fargo since 2013. I work in a XXXX and have a 20 % interest that shows on my taxes. I was working with two representatives of Wells Fargo and each requested paystubs bank statements tax returns. One person held up my file for 3 mos.until I could get the business tax returns. 
I tried to explain that I do not own the XXXX I work there I get a XXXX. 
The next person that was assigned said that I did not need the tax returns. Now re-entry said that I can do nothing to saver my home because of the time that lapsed. Wells Fargo created these issues. I had three different underwriters, m one requested documents and he left the company. One Underwriter was transferred this underwriter requested over XXXX documents. The last underwriter and person assigned took less than a day to say that I did not make enough income even after my father provided his taxes and proof of income.There was a sale date on my home. I need help to save my home. My whole family is now living in the house with me. We are all working. I want to keep my home. Please help!
Product: Payday loan, title loan, personal loan, or advance loan

I used solo funds to fund person to person loans of approximately XXXX. When I went to withdraw my money they charged me XXXX and have refused to pay back despite many attempts to contact them.
Product: Debt collection

In early XXXX, I received an alert that I had a delinquent account and that my credit score had been severely negatively impacted. A few days later, I received a notice that I had a collection/delinquent account with XXXX. I had terminated my account with XXXX in late XXXX. In late XXXX or XXXX of XXXX, I challenged this delinquency/collection through the process offered online through one of the three credit reporting agencies dispute resolution services. According to that process, XXXX had 45 days to respond ( if I remember correctly ),  and if they did not, then the debt would be wiped away. Well, that deadline passed without a notification or explanation from XXXX, and I noticed that the debt had been dropped from my credit reports and that my score jumped substantially. A couple of months later, I received another collection notice, for the exact same amount of money, from a law firm that had purchased the delinquent account from XXXX. Given that this debt was already wiped away, how can I be pursued again for it?
Product: Mortgage

I request to remove impound account 2 months after I have closed the loan with voluntary impound account, the servicer told me it's company policy to wait until 12 months of on time payment and it does not need to be on loan docs even if my request should be good otherwise. I don't agree with this explanation and request CFPB to judge on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.
Product: Debt collection

Please see attached Validation letter. 

On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to XXXX XXXX XXXX XXXX XX/XX/2023 requesting for validation of this debt from AFFIRM, ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g.

On my Debt Validation Letter, i asked them to delete this Account from AFFIRM off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keeps showing late payments history. XXXX/Motolease LLC will take it off one month and the next month it will appear back on my credit report
Product: Vehicle loan or lease

Good afternoon, I am writing because Credit Acceptance Corp has called me before XXXX XXXX on a Sunday morning to inquire about payment. I had previously instructed Credit Acceptance Corp to refrain from calling and they decided to do it anyway at XXXX XXXX  approximately this Sunday morning. I informed Credit Acceptance Corp to contact me in writing and not my cell phone in the past. I reminded the woman today  and she said she was going to keep calling and calling she did. After blocking out her number, she called from yet a different number. This is harassment and today is Sunday and they are calling outside of business hours. Based on my understanding of the telephone/bill collection rules, the company could be fined {$1000.00} each time for willfully violating collection laws via telephone. 

She called me from the following phone numbers : XXXX at XXXX XXXX CST and at XXXX XXXX CST. She called me from XXXX at XXXX XXXX and called me at XXXX at XXXX XXXX and at XXXX XXXX. 

I paid my XXXX bill one week in advance and I understand that the bill is due on the XXXX of the month and haven't paid it yet, however, that does not give them an excuse to call outside of business hours and call when I've requested everything in writing.
Product: Mortgage

XXXX Bank issued mortgage including establishing an escrow account to pay California property taxes -In California, the first year of property tax has a a primary tax bill at a lower rate, stemming from the previous valuation of the property, which is typically substantially below market value. There is then a supplemental bill issued in the same year that covers the taxes due on the difference between the the previous assessment and the new assessment ( sale price ). For homes like ours, where a sale has not occurred in a long time, this supplemental bill is the bulk of the tax owed, and financial institutions are prepared for it. 
-US Bank correctly calculated the expected tax bill for the sale price, which covers the supplemental bill for the difference -US bank issued an initial Escrow account disclosure statement, showing the dates the payments would be made and the estimated amounts - these estimated amounts included the full tax due ( the initial tax payment and the supplemental payment ) -We funded and paid into the escrow account and kept it at the correct balance, which was set by US bank to be sufficient to cover the primary and supplemental tax owed. 
-When the payments were due to the county for property tax, US bank did not pay the full amount, only the small initial amount ( not the supplemental amount ). This amounts to a payment of {$1700.00}, instead of the {$7100.00} the bank stated it would pay in the disclosure statement. The bank also did not inform us that it underpaid. This resulted in an overdue balance of {$5500.00}, for which a delinquent bill was issued with a {$510.00} late fee. 
-The bank was informed by us of this error. They acknowledged the discrepancy and promptly paid the county the delinquent amount owed. 
-The loan agent asked for the bank {$510.00} to be reimbursed to us, and stated she felt that was fair, but the bank ultimately decided not to. Instead, they cited a letter sent to us in the past indicating that they could not pay the bill unless we took certain steps. We had not received this letter at any point. 
-My opinion is that the bank committed to paying the bill from our escrow, stated they would do so in the disclosure, and then failed to do so, leaving us with a penalty. The fact that they sent one letter in the mail, which we did not receive, is insufficient to overturn the original indication they gave. It is fairly common for mail to not get delivered. There was no other follow-up with us. 
-We seek that the bank reimburse the {$510.00} fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included a PDF letter listing all errors or wrong accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ), I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to my original complaint by telling me I am not me. Please see attached social security card and my Identification and FTC reports for the second time. please review
Product: Credit reporting or other personal consumer reports

XXXX I asked for XXXX XXXX XXXX XXXX a debt validation letter which they could not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON XXXX BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX
Product: Credit reporting or other personal consumer reports

I have an REI Credit Card, it used to be issued by XXXX XXXX, but was switched over to Capital One. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my Capital One card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX or Capital one reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to Capital one, and got the late fees removed. 

Unfortunately, Capital One also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and Capital one, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with capital one. 

I submitted a written dispute to capital one on XX/XX/XXXX. I submitted a XXXX written dispute to Capital one on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). Capital one then inherited a card with an outstanding amount and made the report to the credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and Experian advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.
Product: Checking or savings account

Signed up using a {$170.00} bonus promotion code and was only credited {$50.00}.