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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Repossession on Credit Report Dear Sir/Madam , I am writing to dispute the accuracy of the repossession listed on my credit report under the account with XXXX XXXX for the loan of XXXX. I am requesting that this entry be investigated and removed if found to be inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605, which mandates that negative information be removed after 7 years or earlier if the information is incorrect. 
The repossession was reported on my credit file as seen below as of XX/XX/XXXX, and I believe it may be inaccurate due to The open date on all three credit reporting agencies is incorrect. Date of last activity is different on all three credit reporting agencies. Highest balance is different on all three credit reporting agencies. Date reported is 6 years after the closed date and this date is different on all three credit reporting agencies. Additionally, I would like to note that under the Fair Credit Reporting Act, inaccurate or outdated information must be corrected or removed, and I am requesting that you conduct an remove this from my credit report Please investigate the dispute and notify me of your findings within the 30-day period as stipulated under the Fair Credit Reporting Act. If you require any further documentation or clarification from me, please let me know. Please be aware that each violation of inaccuracies carries a XXXX penalty and if not removed, I will proceed with legal action. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the update to my credit report. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX last 4 of social Account number XXXX
Product: Credit reporting

Due to fraudulent activities on my credit report, the following addresses were added. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I contacted Chime in regards to a transaction in the amount of {$140.00} through the merchant XXXX XXXX XXXX  due to services/ goods not received. I was initially advised that I my case would be resolved within 30 days. However, upon reaching out to Chime on XX/XX/2021, the 70th day, I continued to receive automated responses regarding my claim with no attempt to resolve. On, XX/XX/2021 Chime contacted me stating the dispute had been denied due to no error on my card which was no relation to the nature of my dispute. They advised me that I could resubmit my dispute and wait 45 days for a decision. I am truly disappointed in the service received.
Product: Student loan

The creditor and its servicer previously stated in their response to CFPB complaint # XXXX and XXXX, following the payments, I would need to contact us to agree to the terms and conditions of the forbearance, to process the forbearance. I called Navient multiple times to complete the forbearance. 

Since XX/XX/2018, I have been calling Navient to request for forbearance, Navient reads the forbearance T & C over the phone and told me that Navient no longer accept non-US credit card/debit card, for the payment of $ XXXX. 

In XXXX, I sent {$50.00} via domestic bank-to-bank transfer and called Navient. Navient read the forbearance T & C over the phone for me and still did not process the forbearance. I called again and get re-routed and re-routed to robotic assistance. After repeated attempts to complete the forbearance, I was transfered to the message inbox of Navient 's Office of Consumer Advocate. It appeared that the blockage is due to : : : : : : : " XXXX '' XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX. XXXX, x XXXX ... .... Navient 's Office of Consumer Advocate deliberately blocked my forbearance request ... .. The forbearance is supposed to be renewed every 3 months. Then I sent another payment for {$100.00} on XX/XX/2018, domestic bank-to-bank transfer ( confirmation # : XXXX ). I called again and get re-routed to robotic assitant and the message inbox of Navient 's Office of Consumer Advocate.
Product: Checking or savings account

- XX/XX/XXXX received notice from a lender because of form IRS XXXX- pursuit lending notified had outstanding balance of XXXX with IRS - XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid XXXX XXXX and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to CHASE- told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to chase XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and 30-60 days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX- Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark - XXXX- called again claims by phone said they saw paperwork but did not see check mark - XXXX- went to branch and had manager verify received and check marked - XXXX- spoke with chase executive services and XXXX handling case - XXXX- XXXX confirmed that claims did not receive proper documentation from XXXX- took another week until Wednesday/Thursday for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to XXXX XXXX but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned
Product: Debt collection

To whom it may concern. 

Dear Equifax, I had pull my credit report and see these unauthorized inquiries in my consumer report. I disputed them with you before and you did not removed them and before I contacted you guys I took my times to call each and everyone of these company. They all told me to contacted you guys. I'm submitting this letter asking for a removal of these inquiries listed and please send me a copy of my update consumer report after removing these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Mortgage

Continuation of XXXX In the forensic report the MERS : is yes at this time the status was changed after the report. 

Thank you very much for your very rapid and expedient response. Although you have answered all of my concerns in the previous letter, I am still not satisfied with the response being that PHH Mortgage can hold my {$55.00} ( which was a claim check from the hurricane damage to the property ) and claim that it belongs to them under Paragraph 5 which states because property was purchased through foreclosure. I did a forensic audit report on the property on XXXX of XXXX and it stated that XXXX XXXX , XXXX, Lender was a California Corporation was not a licensed corporation. It states, and I will attach a copy for you to review as well : The end result would be that the mortgage file, or any part thereof ( mortgage or security interest ), would not have legally been transferred to the trust to allow the trust to be considered a holder of your mortgage entitled to bring the foreclosure action, as they would not be a proper party before the court. You can read this information along with the rest of the report. This particular quote is on page 7.  My question to you is, how is it possible for the mortgage company to acquire my property if the original agreement was obtained fraudulently according to the findings described in the attachment? 

All I am trying to do is keep my property and your company insist on fighting unnecessarily. This house has been in my possession for 30 years, and my familys possession since XXXX. I have described to you how much I would pay for the purchase of my property and that included the {$55.00} ( which was a claim check from the hurricane damage to the property ) which I believe to rightfully belong to me, bringing the amount again to {$210.00}. This offer was denied, that being stated again how can an illegal mortgage company sell something legal under illegal pretense? 

Please see : Transcript Of Federal Judicial Act, of 1789 Chapter XX, Section 11 and PSA pages 53 and 116 I look forward to hearing from you very soon and please see attachment.
Product: Student loan

hello this school a stealing from me and other student they are making students return their stipends back to the school and adding extra charges on out accoint if we dont and also not releasing our transcript if we dont return our refunds to them
Product: Checking or savings account

Discover Bank automatically closed both my checking and savings account without contacting me first to sort everything out. I received a letter dated XX/XX/2020 from the company informing me that they completed their own investigation and decided to close both of my accounts because they believe that accounts were opened without my knowledge. However, that is simply a big mistake ; I indeed opened those accounts with my real and accurate personal information. This is NOT identity theft. It was really shocked to me as a consumer. In addition, the company never returned to me the funds left in both accounts.

I called their customer service and banker, but they just showed me their unwillingness to assist further with my case and could not disclose additional info. Then I learned that one reason may be due  to a security freeze placed on my XXXX  profile. I froze my own XXXX  profile because I am not intended to open new accounts anymore and just for security reason. Let me also be CLEAR that I placed the security freeze on XXXX  AFTER I opened Discover bank accounts, not BEFORE. Therefore, this is not logical for the company to just assume that they were opened " without my knowledge ''. This is just not reasonable by any means. 

I am ready to provide any additional personal identification documents, or lift the freeze on XXXX  to back it up that i am the real person. 

This is shady and nonsense that Discover Bank did this to their consumer. Depends on the outcome received, I will file a lawsuit against the company if I did not get my money back and with the actions that they took to close my accounts. I am not backing down for my consumer rights. 

I attached a copy of the bank letter where they stated the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

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

I have sent CONSUMER PORTFOLIO SVC several letters asking for books of accounting, true bill and contract. According to Uniform Commerical Code they are in violation of request for accounting ( UCC 9-210 ). 

CONSUMER PORTFIOLO has reported late payments on my credit report which is also a violation of FCRA because a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The charge off that is reporting is a violation of IRS because the IRS clearly states that a charge off is considered as income not debt. Income isn't to be reported on my credit report. Also, charge offs aren't supposed to have a balance reporting as well.
Product: Debt collection

Rent Recovery Solutions has no proof of a signed lease or debt obligation. Only a signed application I never signed a lease at The Landing apartments and manager confirmed they only have a signed application not a signed lease.

They are violating the Fair Credit Reporting Act ( FCRA ) by reporting false information.

They are violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect a debt I do not owe.

Requested Resolution : 1. Remove this false debt from my credit report immediately.

2. Stop all collection attempts.

3. Investigate Rent Recovery Solutions for unlawful debt collection practices.
Product: Bank account or service

Sent this message to Wells Fargo on XXXX/XXXX/XXXX on their own contact us page. Your information says there will be no fees for ATM withdrawals for international withdrawals for premier checking holders. You have incorporated fees in the exchange rate that you are using for converting the XXXX that I withdrew. The transaction here you charged me an exchange rate of XXXX XXXX. On the same date XXXX XXXX converted transaction charged on my credit card with an exchange rate of XXXX dollars/euro. In addition to this transaction I had another ATM transaction for XXXX XXXX on XXXX at an ATM and a conversion of XXXX euros in your retail Branch office in XXXX Minnesota. The conversion in the branch offie the Bank officer told me there would be no fees for getting XXXX as long as I was a bank customer. These claims of no fees is disingenuous when you know you set the exchange rate to include a fee component. I believe you should self report to CFPB I followed up with the bank again in XXXX XXXX as they had not adequately responded to me on the issue and basically gave me the run around by referring me to the foreign currency department of Wells Fargo with no specific reference to a banker to direct my issue too. They did follow up in XXXX XXXX and I received a call from XXXX XXXX who could not comprehend my issue and escalated it to a supervisor. I do n't recall the supervisors name but he basically said there was no fee incorporated in the exchange rate and that there was nothing they could do for me. I do truly believe there is a fee incorporated in their foreign currency conversion rate and probably would not have a problem with it other than they sold me on a premier checking account on the basis that a certain number of these transactions per month would be without fees and I believe they are not standing behind their promises and disclosures. Maybe they should not promise things that they will not follow through on.
Product: Debt collection

I need your assistance in helping me to get this Amsher Collection account remove from my XXXX Credit Report. This account is not mine. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified XXXX along with Amsher Collections.
Product: Credit card or prepaid card

I lost my XXXX credit card. I called in to dispute for all the transactions that I didn't authorized but XXXX still make me to pay for those transactions. Please help me to resolve these issues. XXXX team refused to resolve these issues and requested me to pay : 1. XXXX XXXX : XX/XX/XXXX= {$430.00}. XXXX 2. XXXX : XX/XX/XXXXXXXX {$18.00} 3. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 4. XXXX : XX/XX/XXXXXXXX {$150.00} 5. Half & Half : XX/XX/XXXXXXXX {$6.00} 6. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 7. XXXX : XX/XX/XXXXXXXX {$15.00} + {$12.00} + $ XXXX {$36.00} 8. XXXX : XX/XX/XXXXXXXX {$280.00} 9. XXXX XXXX XXXX XX/XX/XXXXXXXX {$59.00} 10. XXXX XXXX XX/XX/XXXXXXXX {$54.00} 11. XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX {$210.00} 12. XXXX 's XXXX XX/XX/XXXXXXXX {$14.00}
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 {$5000.00}, {$400.00}. 
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 XX/XX/XXXX and the subsequent response received on XX/XX/XXXX 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 {$5000.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Product: Mortgage

My current first loan with XXXX XXXX is in prcoess for a refinance. The second loan is held by Suntrust/Truist . The only document holding up my refinance with XXXX XXXX from a 30 year loan to a 15 year loan is a subordination letter from Suntrust/Trust . The closing angecy ( XXXX XXXX XXXX ) and I have been trying since XX/XX/2021 to get the letter issued so that the refinance can be completed. Both parties, XXXX and I have made numerous calls and e-mails with no success. Suntrust/Truist has stated that they have received the formal document for request of a subordination letter, but still no results. 

I am now at the point that I will lose my locked in rate with XXXX XXXX and not be able to close on my refincance loan. This is the last item needed in order to close. I started the refinance process back on XX/XX/2021. Any help would be greatly appreciated to get this letter issued so that I can close on my new loan. Thank you.