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

On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.
Product: Mortgage

Per the request of Shellpoint Mortgage Servicing ( XXXX ), I made a payment in the amount of {$1000.00} directly to the insurance company ( XXXX XXXX ) on XX/XX/2021. I was told that However, without my consent, Shellpoint Mortgage made an escrow disbursement to my insurance company on XX/XX/2021. The insurance invoice was due on XX/XX/2021. 

I contacted Shellpoint Mortgage again onXX/XX/2021. I was told that I need to work with the insurancecompany to get the refund. 

Please cancel Shellpoint Mortgage 's payment or work with XXXX XXXX to refund {$1000.00} back to the escrow account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX theses are inquiries that need to be removed from all 3 credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is in violation of my consumer rights according to the FCRA. Pursuant to 15 USC 1666b.

15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Student loan

I am reaching out again for a copy of the school misconduct form for the XXXX XXXX. While my loans were refinanced just a couple of months ago, I feel like I should be reimbursed for all monies paid since the school has been closed, repeated sued for fraud, and all federal loans have been forgiven.
Product: Mortgage

Wells Fargo did not remove the PMI from the mortgage payment when the loan hit 78 % of the original value. When I spoke to them about it, we were already below 75 % of the original value. They then refuse to reimburse the monthly payments they had been charging since the loan hit 78 % XXXX.
Product: Vehicle loan or lease

I called Wells Fargo stating that the loan agreement paperwork was not signed by me. They validated that it was and I want to invalidate that claim with my evidence of truth. I have been nothing but treated unfairly by Wells Fargo. It has got is to the point where the small guys dont matter. Well, I matter and I dont appreciate the defamation of character I am receiving. As I see, this matter, will not be satisfied with any CFPB, complaint done here. I will now take legal matters. My time is valuable, and so is my reputation.

My time is valuable and so is my reputation.

Ones you read the statement I received today in the mail from Wells Fargo, it will not be accurate, it has discredit me as a person, and has further decimated my character. When companies get so big that they can just disregard the little guy the consumer thats the problem.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX BALANCED {$2100.00} XXXX XXX BALANCED {$0.00} XXXX XXXX BALANCED {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported that i closed this account and reports two late payments for XXXX and XXXX of XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 


XXXX reporting a past due of {$380.00} reports two late payments for XXXX and XXXX of XXXX  which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXXXXXX XXXX reporting a late payment of {$320.00} reports two late payments for XXXX and XXXX oXXXX XXXX which is a violation of 15 US 1681a section 2 which states any transaction or usages is excluded to be reported on my consumers report. 

XXXX XXXX XXXX inquiry on XX/XX/XXXX This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was inquired multiple times by the same company in matter of days. Please remove XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXXXXXX XXXX XXXXDate Inquired: XX/XX/2019TXXXX XXXX (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXX XXXX XXXX XXXXDate Inquired: XX/XX/2019XXXX XXXX  (XXXX)XXXX XXXX XXXXXXXX XXXX, CA XXXX(XXXX) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 16 U.S.C 1681 section 6021. 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was supposed to receive a call back last week about deferment or repayment options after the rep received clarity. Never received a call back call on XX/XX/2022 the line for the forbearance team did not ring just silent I called back twice..

The third time I called back I held for 58 min and got customer service and was advised someone would call me back in XXXX hours I do not receive a call today. I called back today in XX/XX/2022 phone for forbearance department still has not rang. I would like to resolve this as soon as possible.
Product: Credit card or prepaid card

On the internet, XXXX keeps appearing, promoting their anti-aging product saying it can be tried for free, just pay shipping and handling. I finally said " yes '' to their teaser promotion but sorry I didn't read their terms and conditions because it was long and in small prints. I was billed on XX/XX/XXXX for two shipping charges {$4.00} and {$4.00} on my Bank of America ( BA ) credit card statement dated XX/XX/XXXX which I paid. Then I got another set of the products in the mail and subsequently billed for two ( 2 ) {$89.00} and two ( 2 ) {$88.00} on my XX/XX/XXXX statement, the prices of which I was not aware of since the co. never revealed them, even on their website which I viewed after I got BA 's decision. I immediately called radiant revive and BA to dispute those charges whereby BA issued four ( 4 ) claim nos. until further investigation. On XX/XX/XXXX however when I checked my on-line statement, the amount of {$350.00} was charged. I called BA who said it was my fault that I did not follow the terms of the co. and it's buyer beware. I said I was willing to send the items back since I didn't even use them but their minds were closed. I filed with the XXXX XXXX XXXX in XXXX, SC on XX/XX/XXXX but nothing came out of it. I left for out-of-the-country on XX/XX/XXXX and returned XX/XX/XXXX. During that time I kept trying to get info from either of them ( XXXX  and BA ) but was unsuccessful. I saw that BA kept charging me late fees and interest but I tried communicating by email but got no response. I couldn't call because of the inconsistency of WIFI in the XXXX. I paid {$380.00} on XX/XX/XXXX because BA kept sending past due notices so I closed my account. This lesson has taught me not to deal with BA, being it is not consumer-oriented. As a result of this incident, my credit plunged down from XXXX to the high 600 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. Equifax, XXXX, and XXXX all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from Equifax, XXXX, or XXXX  during the entire investigation process.
Product: Credit reporting or other personal consumer reports

This is my numerous request 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, remove 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

On XXXX XXXX 2015 I disputed charges that were unauthorized on my bank account. On XXXX XXXX my direct deposit went into my bank account for {$2600.00} the disputed charges were {$940.00}. At XXXX on XXXX/XXXX/15 the bank restricted funds for withdraw, I called them at XXXX and emailed them through the online system. After being on the phone with them without an answer as to why I finally received an email that said they were restricting my accounts, at XXXX. They have not notified me of finding against my claim for disputes, but today said on the phone that they wo n't know until XXXX XXXX. The disputed charges are XXXX my checking account balance is XXXX. It 's been 10 days since the dispute and the credits were given and no notice that they were going to be reversed. I paid my rent and the bank reversed the payment causing my lanlords bank account to be negative {$1300.00}. I have never been notified by mail, email or phone as to what is going on and now they do n't know when my money can be sent.
Product: Debt collection

Agency did not provide the signed contract from XXXX XXXX, the purchase agreement of the alleged debt, and or the chain of ownership of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated for fifteen years and got out and seen someone had lived under my name while I was gone, I reported fraud and identity theft at that time then went to a lawyer because no one would fix the problem, and the lawyer I called advised me to file bankruptcy and that would get these fraudulent items off my credit report but the lawyer was giving me false information just to get me to pay him XXXX XXXX dollars and lied to me because none of the fraud accounts have been removed off my credit report, Ive been fighting this for years and no one seems to care about the facts that I was in federal custody till 2018 and all the accounts were open many years before that year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX ( Original XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown hard inquiries from  XXXX   XXXX   and Amazon affecting  my score
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

someone opened the capital one credit card under my name the capital one credit company send me a {$1800.00} to pay this bill. I called them to address the issue. i had explained them I didn't give authorization or called this company to get a credit card. i didn't opened this account. i asked them what date, what time and the voice recorder when this account opened, I m not responsible and i didn't opened this account. i do not have the credit card on my hand and i do not know the credit card number.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are incorrectly reporting the account XXXX Account # XXXX which is reporting as a charge off/collection. This is not accurate and furthermore XXXX is not reporting the account so what Transunion and XXXX have to validate this information. I have previously disputed this same information and it came back verified I would like to know how the information was verified and what investigation was done to determine the claim. Credit card issuers are insured and do not incur a loss so if the account is charged off then the insurance has paid any deficiencies and this account is considered settled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 : XXXX - XXXX XXXX - XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts Under 18 U.S.C. 1028A Dear EXPERIAN I am writing to formally dispute and demand the immediate removal of fraudulent and negative accounts appearing on my credit report. Under 18 U.S.C. 1028A, which pertains to aggravated identity theft, I believe that these accounts have been reported as a result of unauthorized use of my personal identifying information.

Upon reviewing my credit report, I have identified the following inaccurate or fraudulent accounts : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These accounts were opened and/or reported without my authorization, and I did not consent to or initiate any of the transactions associated with them. Because identity theft is a serious federal offense under 18 U.S.C. 1028A, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and demanding that these fraudulent accounts be removed from my credit report immediately.

Enclosed, you will find supporting documentation, including : A copy of my police report and/or FTC Identity Theft Report.

I expect a prompt resolution to this matter within the legally required timeframe of 30 days. Failure to comply with this request may result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation once these accounts have been deleted from my credit report. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy Credit Card/Citi Bank Balance is XXXX, its still showing a balance of XXXX on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.
Product: Debt collection

US Dept. of Education Student Loan : This loan came about through my attendance at XXXX XXXX University in XXXX where I was granted a XXXX, due to the negative experiences there where in my first week my dorm room door was kicked in and my laptop costing over {$2000.00} was stolen, I decided not to return. The University then converted this " XXXX '' into a student loan and have been holding my transcript preventing me from completing my education at this time. I have attempted on several occasions to contact the college without avail. The original issuer of my XXXX when I was inducted in the XXXX with a GPA of XXXX is no longer with the University and no one is honest or has the integrity to check the records and be honest and release my records. I am unable to complete my education now that I am back in XXXX due to this. Please help it would be greatly appreciated. Thank you. 
Kindly, XXXX XXXX