23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Copy of letter to US Bank Home Mortgage : Dear US Bank representative : I received your letter of XXXX of XX/XX/2018. 
My home is located in a government declared disaster area due to lava eruption in Hawaii. 
Through multiple phone calls in discussions with US bank home mortgage representatives I have been informed that my mortgage is in " forbearance '' status. I was informed by US Bank representatives that for a period of 90 days US bank would NOT report anything to the credit bureaus and all late fees would be waived. You are clearly aware of this forbearance situation as you quoted reference to my Relationship Manager in the letter. 
In this letter dated XXXX of XX/XX/2018 you state that you " may report information about this account to credit bureaus ''. This is in direct contradiction to everything I have been told by US bank home mortgage representatives. You further state that " failure to remit payment by the late charge date will result in a late fee assessment ''. This is also in complete contradiction to what I have been told by multiple US bank mortgage representatives and my relationship manager, XXXX XXXX. 
Do verify immediately, in writing, that my account is in forbearance status as quoted to me by multiple representatives and my Relationship Manager. Also verify in writing that you will not make reports to the credit bureaus and late charges will not be charged as stated during the forbearance period of 90 days. 
Understandably, during this disaster situation there are significant issues to be dealt with daily. The last thing we as mortgagees need is for the bank to send false and inaccurate information in direct contradiction to what we have been quoted on the phone. 
Do verify, in writing, the status of my account and the specifics of the forbearance process including reporting to credit agencies. 
I highly recommended that US Bank coordinate mailings and statements to clearly indicate the forbearance status of the account. Letters such as XXXX XX/XX/2018 letters should be sent by a mortgagee 's Relationship Manager with accurate and current information. 
Also, in conversation with US Bank customer service representative XXXX on XXXX of XXXX XXXX XXXX HST, recorded, XXXX stated that she would discontinue my automatic monthly payment drafts from my credit union. In conversation with US Bank representative XXXX on XX/XX/2018 the representative verified that the stop payment request had been placed on my account. 
In spite of these two assurances by US Bank representatives, U.S. Bank attempted to draft the mortgage payment. Verified in the enclosed letter from US bank dated XXXX XX/XX/2018. Verification of the {$40.00} in fees from my credit union for the attempted drafts by US Bank are enclosed. Do immediately reimburse me {$40.00} for these fees. A check should be sent to me at my address below. 
Your prompt attention to this matter is expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up XXXX  on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to XXXX XXXX and have not gotten a response other than Results from Reinvestigation and asked them to provide where they got this inaccurate information and they have not response with anything but continue to send me the same form to fill out and not response Asked for the report and got a response on from XXXX XXXX on XX/XX/XXXX. On that report includes a Bankruptcy which is inaccurate and also XXXX & Equifax both are reporting different information that what is on the XXXX XXXX report where they continue to say they are verifying it and clearly but the reports all of them have different information. XXXX deleted it immediately on XX/XX/XXXX Letters and responses XX/XX/XXXX certified received XX/XX/XXXX Sent a dispute to XXXX XXXX asking to verify this account with physical proof not a general respond. On XX/XX/XXXX I got a lettered dated XX/XX/XXXX saying it was verified and no other information provided as to where and how this was verified. SO I sent another letter to them on XX/XX/XXXX certified received on XX/XX/XXXX asking them to reinvestigate and give me the source of where they are verifying this information. I have contact the courthouse directly and they sent me a letter saying they do not verify so I would love to know how this is being reported and by who. Also how this can be different on XXXX XXXX, XXXX XXXX ( which deleted it ) and Equifax. No response but a request form that I filled out on XX/XX/XXXX and mailed the copy and also email to the address provided in the documentation and even got a copy of the conformation they got it on XX/XX/XXXX attached here that included a copy of my current drivers license and copy of my social security card. Still no response to this from XXXX XXXX. Still no response from Equifax or XXXX about investigation and where it comes from only that it is verify by XXXX XXXX and still all 3 have different information being reported. I have sent yet again the form filled out again to XXXX XXXX along with copies off all the letters and certified copies on XX/XX/XXXX that they got on XX/XX/XXXX. This is unacceptable and clearly shows inconsistent reporting along with not following the proper procedure to verify and report information on my account cause harm to my credit
Product: Checking or savings account

On the afternoon of XX/XX/year>2024, I received an email from Chase saying that my bank account was closed. I contacted the staff by phone within the hour. The staff stated that my account could not be unlocked. I could only wait 10 business days for a review, after which the money in the account would be sent back to me in the form of a check. I checked the mailing address with two staff members that day. I asked why my account was locked and they could not give me a reasonable explanation. 

On XXXX XXXX, 2024, I received an email showing that I had a XXXX balance in my account, which meant that my money had been withdrawn. 

On the afternoon of XX/XX/scrub>XXXX XXXX, 2024, I called again to ask when I would receive my check. The staff indicated that the check had been mailed on XX/XX/XXXX and suggested that I wait another ten business days. 

On the afternoon of XX/XX/scrub>XXXX XXXX, 2024, I called to inquire about the location of the check and was told by the staff that it would arrive on XX/XX/XXXX. However, the next day I still had not received the check. I called again to inquire and the staff member said that the mailing address probably did not include a door number and that I would need to reapply for the mailing. The application took six business days and the wait time for the check to be mailed was 10 business days.

This meant another long wait for me, even as I couldn't be sure if the incorrect address was actually the cause. Since I went to two staff members to verify my address the same day my account was locked in order to avoid this happening, I don't think it should be possible for this kind of cheap mistake to happen again. Even they were unable to state for what reason my account was locked. I have a right to wonder if Chase Bank is trying to drag this out until I can't ask for a check from them after my XXXX XXXX XXXX in the US has expired. So I am asking for help to recover my property as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Started getting texts from Jefferson capitol llc. I called them they wanted my full ssn and dob refusing to speak without which I wouldnt give because they never sent me a letter of validation before trying to contact me. 

I called XXXX  and they said no theres no debt owed and when I asked for my entire account statement including all payments they refused to send it. I paid my account as I was not in contract and shut off services then moved to another provider. My balance was XXXX as the phones was purchased not using any contract extensions but out right. 

I then tried calling Jefferson capitol again today after they started texting me again. I asked if I got a debt verification letter sent to me the lady said NO. I said I want to speak to your supervisor to which she told me to XXXXXXXX XXXX and hung up on me. I did make this call in front of a XXXX XXXX that was in my place of employment. Due to the fact that I wanted someone who they couldnt claim was a friend or had a bias interest in this.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the XXXX  data breach and gotten into the wrong person 's hands.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to dispute the recent denial of my identity theft claims submitted to your credit bureau. I am deeply concerned about the denial and would like to emphasize that, based on the Fair Credit Reporting Act ( FCRA ) and other relevant legal statutes, your bureau does not possess the legal authority to arbitrarily decline my identity theft dispute. I am formally requesting that your bureau reevaluate my identity theft dispute and conduct a thorough and unbiased investigation in compliance with federal law. I expect a response that adheres to the legal requirements of the FCRA, including notification of the results and any necessary corrections or deletions to my credit report. The identity theft claims in question pertain to fraudulent activities on my credit report. These fraudulent activities include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan from Westlake Financial Services for a car opened on XX/XX/XXXX and closed on XX/XX/XXXX. There was an accident where the car was totaled in XX/XX/XXXX and the other drivers insurance paid for the car in full. Under my XXXX credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX # XXXX I have not been late on the account and request Method of verification for late payments. Per the XXXX XXXX and payments made on the account should not have been registered as Late. 

Please correct payment history.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report : Account : XXXX XXXX Account # : XXXX The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX, XXXX Fair Credit Reporting Act [ XXXX USC XXXX ( XXXX ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX USC XXXX ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2018 I signed documents to Village Capital & Investments to refinance my home loan to 4.6 %. They informed me that I could get any money because I had not been in my property long enough but they could reduce my interest rate and I would have a 2 month break because my payment would be due in XX/XX/XXXX. Which I agreed t but it ended up them not following through and I had to file lost litigation and is still trying to catch up with my payment. Now I also have this on my credit, and they still have not tried to correct what has happened to me. I tried my times to call them but they have not responded also my lender called them and asked to speak with the owner of the business and no response.
Product: Debt collection

I attempted to call this company to file a complaint since the debt appeared on my credit report but I do not recognize the loan. When trying to file a dispute the company stated they did not find any fraud, however I told them I did not recognize their company name nor did I live in the state in which the loan was taken out ( XXXX  ) and told them as such but they claimed there was nothing they could do. I tried contacting the credit bureau stating the report, XXXX, but they claimed no fraud was detected on their end.
Product: Debt collection

I had contact Equifax about this derogatory credit collection service that I had no knowledge of Equifax stated that it was my account and they validated and I asked them. How did they validated it? They could not give me no answer. I asked them to remove it several times with including any documentation with my XXXX signature on there. Equifax couldnt show me no proof that it was my account.
Product: Money transfer, virtual currency, or money service

was sent money mulitple times and it did not transfer to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score.

according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.