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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Checking or savings account

I received a letter from Citibank stating that I was not eligible for the promotional XXXX XXXX miles ( XXXX ) that was promised to me. They said that the reason was that I did not make a {$400.00} debit card purchase within the 60-day time frame. 

However, I did make the {$400.00} debit card purchase within the 60-day time frame. I made the purchase with my Citibank debit card on XX/XX/2019. Looking at THEIR records of the transaction ( screenshot enclosed ) it even says that the purchase was on XX/XX/2019. This is within the 60-day time frame from when I opened the account. 

I would like the XXXX miles credited to my XXXX XXXX advantage account. 

Citibank continues to XXXX $ XXXX fee for this checking account. Every time that I call the answer is always " wait 4 weeks for an answer. '' In that time frame, I do not get a satisfactory answer, and then they collect another fee.
Product: Mortgage

I applied a mortgage through Universal American mortgage company o n XXXX XXXX, my XXXX number is # XXXX. 
During the processing, I noted to their mortgage officer XXXX XXXX, and, processior XXXX XXXX, that I am always on the trip, so best way to reach me is by emailing. 
Till to the mortgage was approved, everything working perfect, and I finally got my loan. 
I start to mail the mortgage payments by mailing checkes, start from XXXX XXXX until XXXX XXXX. 
At that 8 months, I try to set up the auto pay to avoid any delay or XXXX payments, and wrote email to XXXX XXXX XXXX on XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX to ask the situation of my mortgage statements, and how to set up payments. 
Since I am out side of States, I have my real eastate agent, XXXX XXXX to ggive them calls almost every month to help me set up autopay account. 
Non of them reply by email, or pick up phones. 
So, I left my checks to my office, and my people help to mail check every month like usual. 

Until, XXXX XXXX XXXX, I back to U.S from a long trip, I got a goodby mail from UAMC ( the universal American Mortgage Company ), said my loan was sold on XX/XX/XXXX! 
And, I received a voicemail from PennyMac ( the new lender ), I was four months delay on my mortgage payments already! 
So, I called XXXX three time to verify what 's happening, and make payments in 10 days. 

At that moment, I put out all my bank statement and found my checks were transferred to pennymac for several times. And, there XXXX checks were missed, and might be XXXX was refused to transfer by Universal American Mortgage Company. 
I called UAMC service office, and try to work out how many payments they received, and why has nobody can reply my emails, and loan officerhad not been able to pick up phone calls from us ( which they frequently talked before this loan was approved ). 

I was told by UAMC that my loan was sold, and they are not be going to answer my any further questions. Yes, and even I called them on XXXX XXXX, XXXX, aksing a records of my payments, try to figure out how many checks did they forwarded,. 
NO BODY give me a call back, because I was sold! 

XXXX XXXX people even has a little bit professional mind, they should notice it, and inform me my loan was transferred. 
Which I am completely okay with that! 
NO Calls, NO picking up calls, NO replying emails, NOt taking care of customer 's re requirements. All my mortgage issues massed up, and my credit score is terriable. 
In that 8 months, I honestly mailed checks every single month, no missed. 

I paid the late pay fees, because I understand it 's not XXXX 's mistakes. 
But, I am really have questions for UAMC, how could they take care of their customers, and how they people feeling kind of massing! 

I wish you can fix my credit score! 
I wish you could talk to them, since no one care aboutme from UAMC. 

Thanks!
Product: Checking or savings account

I opened a Citibank savings account on XX/XX/23 and deposited {$51000.00}. Per the email after you deposit {$50000.00} you will get a {$450.00} bonus if you maintain that balance for 60 days. I currently have {$71000.00} in this account that I opened on XX/XX/23. It's going on 5 months and citibank still has not paid the {$450.00} bonus. I've made 3 phone calls to citibank regarding this and they tell me I opened it in the wrong savings account. I opened the account through the email I was sent which offered this bonus and I still have the original email.
Product: Credit card

I have been asking for 3 months that they inform me about the interest that is associated with my card because I believe that they exceed the limit in California, they have never responded to me and I also feel that they have retaliated against me because I had a higher credit limit and they They have reduced it, directly affecting my credit score, it is too much of a coincidence that my credit limit is reduced just when I start my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau 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 is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  XXXX  Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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: Mortgage

I am closing on the sale of my home on XXXX XXXX, 2015. I have an FHA mortgage with JP Morgan Chase. I have been told that I will have to pay interest for the entire month of XXXX even though I am paying off the loan before the end of the month. This amounts to approximately {$490.00} in interest I am being charged for absolutely no reason. They are also charging me an entire month 's worth of mortgage insurance as a result of this practice, which equates to an additional {$110.00}. New rules are in place prohibiting this practice for loans originated after XXXX XXXX, 2015 ; however, JP Morgan Chase is CHOOSING to continue to charge this excess interest to borrowers with older loans despite the fact that it is unfair and harmful. The lenders should not be permitted to engage in this type of conduct simply because some fine print buried in the contracts permits this unfair practice.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN REFERENCE TO THIS ACCOUNT LISTED BELOW : CREDIT COLLECTION SERVICES Account # XXXX I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE.

2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE.
Product: Credit card

This is the follow-up complaint to my first with Discover Card regarding a credit of {$100.00} to my account that was not mine but left on my account for 4 months after repeatedly asking them to take it off my account the day I spend the {$1100.00} for months later through time not all in XXXX day, they then acknowledge through emails that it was a mistake on their part and that my account will be charged {$1100.00} we are both at fault here discover and myself, I request I pay this back at {$50.00} a month no interest until paid got a response from XXXX and the executive branch saying I could call her on this matter I've done so several times and have not heard back!! Would like to get this resolved before they start charging me Interest on the mistake they couldn't correct for 4 months who makes a payment of {$1100.00} and doesn't notice it's not applied to their statement and doesn't start calling something's a little fishy here. Hope this isn't a common practice with Discover card for people that don't use their card on a regular basis at a bogus credit to their account just leave it until that person tries to spend it and then they slam it on their account meanwhile there was never a legitimate person sending in a credit that got applied to my account " mistakenly ''
Product: Debt collection

XXXX XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection from XXXX XXXX on XX/XX/XXXX, under the account number XXXX for {$3800.00} and a credit card opened at XXXX FCU for {$80.00}, opened on XX/XX/XXXX, under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit report agencies, 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 an auto loan account opened at GLBLNDSVCS around XX/XX/year> under the account number XXXX, a collection account opened at XXXX XXXX around XX/XX/year> under the account number XXXX, a secured loan open at XXXX around XX/XX/year> under the account number XXXX, and a telecommunication mobile landline account under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I called Capital One to close my account due to their horrific handling of my lost card ( see previous complaint ). Prior to closing the account the agent let me know that I had {$89.00} ( est ) in rewards available and asked how I would want those. I advised I wanted a written check for the rewards. He said ok, but that the rewards department would have to issue that after he finished closing the account. He finished closing the account, cold transferred me into the call queue for the Rewards Department. The lady in rewards said she could NOT send me a check since the account was closed. He lied. They are refusing to send me my earned monies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX [ provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Mortgage

XXXX & XXXX XXXX brought up an ACT 91 Notice and we will send out to XXXX. We will send out a complaint to CFPB. They havebeen working with XXXX since XX/XX/XXXX first to get a loan modification with XXXX XXXX XXXX and now withNationstar Mortgage. They have been contacted by lawyers to scam them out of their money to pay them @ {$750.00} a month. People keep comingout to take pictures of their house even as we are waiting for an answer to our request for the loan modifications sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Atrial modification was offered on XX/XX/XXXX for XXXX payments of {$730.00} starting on XX/XX/XXXX. XXXX XXXX received a letter dated XX/XX/XXXX sayingNationstar has received their loan modification application and generally take 30 days to evaluate. In a letter dated XX/XX/XXXX Nationstar offered aForbearance Plan and Agreement for 3 months starting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at {$520.00} a month. During the Deferral Period they willbe evaluated for the HAMP program. Here we are still waiting to hear a positive response on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been paid since XXXX. STILL noted on my account as in collection. Would love some help. Have formal letter stating otherwise and attached!
Product: Credit card or prepaid card

I hace contacted Synchrony, who manages the Amazon Store Card, 3 times to address the miss-allocation of payments to deferred interest charges BEFORE the regular balance that is being charged interest. The first two times, they admitted the error, re-allocated the payments, and refunded the interest. The last time, which was on XX/XX/XXXX, the customer service agent acknowledge no wrong-doing and that they could not refund the interest that was charged due to allocating my payment to charges with deferred interest instead of the regular balance. This has gone on for months now. Synchrony refused to address the issue, which as I understand it, violates the Credit CARD Act of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach of their systems and there negligence has caused my personal information to be stolen. They set up a website to check if you have been impacted which I was and they want to give you a free year of credit monitoring but to use it they want you to waive your right to a class action lawsuit. They apparently knew about this breach for more than a month before they decided to tell the public.
Product: Credit reporting or other personal consumer reports

Disputed XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX for the 4th time and Equifax have lied and said that it was verified. According to the creditor they didnt get anything from Equifax . I have sent a letter from the creditor, police report, ftc report and a police report and a copy of my ID and Social Security Card. This is the 5th time disputed this account XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ConServe Accounts Receivable Management is reporting an account to consumer reporting agencies and in doing so they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX