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

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as I have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting.

1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity along proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Is not my account need to be removed thank you
Product: Checking or savings account

This is regarding debit card dispute # XXXX. I opened this dispute with WaFD bank on Thursday XX/XX/XXXX due to a merchant charging my debit card for a cancelled recurring transaction. I explained to WaFD the merchant was not supposed to charge my card for this transaction and it was very urgent I recovered these funds as soon as possible for XXXX  bills. I spent over XXXX  XXXX  on the phone trying to get the XXXX  credit processed or expedited, but WaFD bank had no standardized process to do this. I also sent them confirmation of cancellation from the XXXX  via XXXX  and they have not been able to help. The XXXX   XXXX I spoke to contacted a branch for assistance and informed me I should be getting a call from them to confirm information and get a status update on the credit, which never occurred. 

I went the entire long holiday weekend without access to my funds, and it is now past the XXXX of the month and my account still hasnt been credited. I called again this morning and wasnt able to get to a XXXX over the phone - I could only put a request in to get a callback within XXXX hours. The agent I spoke to today was also unable to assist and informed me I would have to wait until the XXXX business day for the credit to be applied. 

I am behind on my XXXX bills that are very urgent, including my XXXX, due to this situation and no assistance from WaFD. I need this credit applied to my account as soon as possible, as I have provided all necessary information and put in more than enough time to get this done.
Product: Mortgage

My mortgage was serviced by XXXX, in XXXX they refused my payment citing the previous months were not paid. I went to my bank got the statements and presented to XXXX, it was not corrected and they returned my subsequent payments and advised end my property was in foreclosure. I called their attorney and presented the documents and was asked to send it again. I made numerous attempts to get this resolved to no solution. My mortgage was transferred to BSI, made several attempts to resolve the issues to no avail. Finally after exhausting attempts it got partially resolved. The reported derogatory reports on my credit report and even though I provided all the necessary proofs. My mortgage is paid off and BSI refused to correct my account and refund my payments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

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
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

I had of funds of {$75.00} on my account I spent only about {$20.00} then I 'm told my account is - {$56.00}, then I had {$1.00} in my savings that was used as Overdraft protection, just so they can charge me an amount of {$35.00} for overdraft fees.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within XXXX  System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Product: Mortgage

We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive.
Product: Credit reporting or other personal consumer reports

I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX requesting documented proof of the credit inquiries listed on my credit report.
Product: Debt collection

XXXX on the XXXX app. I called the fraud phone number and filed for fraud on the items that are and were listed on debt collection, the items were removed and one came back on I dont know these accounts. I asked the debt collectors to validate all debt, chain or title, provided original contract with wet signatures.all 1099s filled for the accounts, I asked for the XXXX of the contract, I asked them to provide my written consent to use and buy my information, now the information being reported on my credit reports has new dates and no account numbers and are reported as open Lvnv funding llc {$810.00} XXXX XXXX XXXX {$850.00} Lvnv funding llc {$2500.00} I have received phone calls and letters and have a woman coming to the house even on Memorial Day, I do not consent and they need to cease and desist I was not able to get a veteran home loan because of these items
Product: Checking or savings account

The total was for {$56.00}. I never received product I paid for, and have yet to receive the product. I will never receive it as I was scammed. I informed my bank (XX/XX/2019 ) of this and was issued provisional funds nearly two weeks after my initial inquiry -- this is the default wait time given for an automatic fund release, meaning it was probably not looked at by anyone, or if it was it took them two weeks to take action. Nearly a month later ( XX/XX/2019 ) I was informed that my bank was " unable to process this claim '' and the money was removed from my account putting me at risk for being over drawn. The given reply implies they didn't accept or refuse the dispute, but that it was simply not processed. I was informed they needed more information, so I called and gave the representative the requested info. I was told no further action was required.
Product: Mortgage

I am not sure who to reach out or if you can even help. I was working with the vendor Intelliloan ( XXXX ) on a VA Refi because my roof needs to be replaced I decided to stay with XXXX XXXX as they have my current VA loan. I paid for a VA house inspection and Intelliloan has yet to release it in the system so that XXXX XXXX can complete my loan. I can understand the company being upset that I chose another provider, but it seems like they are targeting veterans for retaliation, since they hold the ability to release these inspections and not the veterans. I appreciate anything that you can do or if you can point me to someone that can help. Thank you again for your time in this matter. 
How come Veterans do not hold the right to reassign these appraisals in the VA system if we pay for them? We are essentially at a stop unless Intelliloan decides to release it or I pay {$500.00} for another appraisal. We have reached out to them and XXXX XXXX has even reached out. We did as they asked and still nothing. Please I appreciate any help you can offer.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Filed for a dispute through company. 
Date of dispute XX/XX/year> Amount {$8300.00} Amount {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a fraud alert on my credit report without documentation. XXXX is now requiring that I send a copy of my personal protected information in order to have the fraud alert removed. To date, XXXX does not nor have they ever had an official copy of my driver 's license or social security card yet they have been reporting my credit history for over 30 years. I find that XXXX is using the fraud alert as an attempt to gain access to my personal protected information to have on file for their use when I may submit a dispute against a creditor.
Product: Student loan

I was automatically placed into forbearance in XX/XX/XXXX when I began a ( second ) XXXX XXXX XXXX program. I contacted FedLoan in XX/XX/XXXX to request removal from forbearance. FedLoan informed me they would do so, but it would take several months. FedLoan also said it would count the payments made during the time I was in forbearance towards the PSLF program. 

Since then, I've submitted multiple employment certification forms, and FedLoan never counts the payments made in XXXX, XXXX, and XX/XX/XXXX towards forgiveness. I spoke with XXXX, a customer service representative, on XX/XX/XXXX, who informed me that he was going to re-issue statements for XXXX and XXXX. He would similarly issue a statement for XXXX. FedLoan would then recognize these payments for forgiveness. 

I reached out to FedLoan via email on XX/XX/XXXX for a status update. I received a response on XX/XX/XXXX that these payments were submitted for manual review. I haven't received an update since then.
Product: Debt collection

I received a court summons from Midland credit management in reference to an alleged account I am unfamiliar with. I sent a letter asking for the Request for Purchase Agreement and validation of this account. I will attach the letter, the company sent me a ton of documentation of Bill of Sales, none of which included the Chain of Assignments, or Request for purchase agreement and they still did not validate this alleged debt, however, upon researching what they provided I did notify them that the original creditor and whomever opened the account has an Arbitration clause. I have submitted those documents with the court as exhibits as well and I did respond to them to let them know this information and it is illegal to try to sue me with this information. See attachments.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Checking or savings account

Did not receive Bonus offer of {$150.00} after completing requirements. In XX/XX/2018 I opened up a Bank of America account online. On the main page it said if you open an account you will receive a bonus offer of {$150.00} after 90 days if you have two or more qualifying directs deposits of {$250.00} or more. Moving forward, I opened the account online, received my debit card in the mail and met the requirements. After 90 days, I contacted a rep in XX/XX/2018 on a Tuesday and was advised that I would receive it directed into my account within 3 days that Friday. I never got it so I called back the following week and another rep told me it was in the final stages of review and that it would be in my account during the next billing cycle which was XX/XX/XXXX. Once that date passed, I never received it and contacted someone on XX/XX/XXXX. They reached out to there promo dept. and was told I did not qualify because it was a targeted offer which it wasn't. It was displayed on the website for everyone to see who chose to open an account. I met all the requirements and had more than 2 qualifying direct deposits. The woman searched for the offer and couldn't find it which i don't know how because it was on the website. She then placed me on hold for another 20 minutes and said she finally reached out to someone else and explained that I qualified and now I was told I would receive a check in the mail in 30 days. I never received it so i contacted BOA yesterday sat on hold for an hour and was told the previous woman that I spoke to was never guaranteed that I was going to get a check and now this rep told me since I didn't click on a " open now link '' I will not receive the bonus. This is such false advertising. There was never a link to click on. I was told different things by different reps. This is the whole reason i opened my account and since I met the requirements, I want the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. tXXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Our mortgage had been with XXXX XXXX  for years. Then our loan was sol to Mr. Cooper Mortgage in early XXXX. Our first payment to Mr. Cooper was XX/XX/2022. On XX/XX/2022 we received a reinstatement letter for our home owners insurance, saying that it was cancelled on XX/XX/XXXX due to non payment. I contacted Mr. Cooper immediately and they said the check for our insurance had been mailed and everything was fine and our house was insured. on XX/XX/2022 we received a refund from home owners policy saying it was due to cancellation from non payment. We called XXXX insurance immediately and told that our {$500000.00} hone had not been insured for the past 3 weeks. They did allow us to reinstate and make the premium on line that day, so we are now covered again. Bottom line, Mr. Cooper was 2 months late paying the premium despite the fact that they had been taking our payments for loan, taxes, ins. etc via our escrow. Also, it is impossible to get ahold of anyone at Mr. Cooper and they do not return email messages. Only contact I get from them is numerous email messaged weekly trying to sell me products I do not want. I have unsubscribed to them multiple times, but they continue. Please look into this. Let me know if you need any additional information. Out mortgage loan # with Mr. Cooper is XXXX. Their customer care # is XXXX. 

Thank You very much for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address isXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.