23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown derogatory items on my credit profile that does not belong to me. A XXXX XXXX XXXX collection ( opened on XX/XX/XXXX ), XXXX XXXX ( Original Creditor : Progress Insurance ) collection opened on XX/XX/XXXX, and a collection from XX/XX/XXXX for {$790.00} from a medical creditor. It has been over 60 says and I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been over 60 days so the items should be deleted promptly. I demand that those accounts be deleted immediately or I will file litigation due to the overwhelming stress you have caused me. My personal information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I, XXXX XXXX received a letter from Sequium Asset Solutions on XX/XX/2021 in reference of a Debt for XXXX original creditor XXXX. On XX/XX/XXXX I wrote a notice to dispute the Debt and requested for validation of this debt with competent evidence that I have legal obligation to pay Sequium Asset Solutions LLC. For this debt. I mailed my notice on XX/XX/2021 certified mail. This debt has never been validated by Sequium Asset Solutions LLC and my notice for validation was sent within a timely manner of the 30 days of validation. Sequium Asset Solutions took it amongst themselves to assume that this debt was valid and completely ignored my my rights and my request for validation by not validating this debt or any portion thereof before reporting this debt to credit reporting bureaus slandering my name and damaging a portion of my credit. Sequium Asset Solutions also stated in their notice to me pertaining to this debt. That I should, '' please be advised this matter will not be reported to a credit reporting agency until 30 day validation notice as stated below has expired or validation has been sent to you. '' So Sequium Asset Solutions intentionally assumed that I let validation letter expire without requesting for validation within a timely manner and there was no reason for validation to be sent so this debt is valid. Intentionally taking away a consumers right to request for competent evidence.
Product: Checking or savings account

My wife is an XXXX  XXXX who applied for and received an Economic Injury Disaster Loan from the SBA, as offered under the CARES Act. The funds were deposited into our bank account with the account and routing numbers we provided. 

Several days after the deposit, our bank, JP Morgan Chase, locked our account and is demanding certain documents ( such as an EIN Number ) that don't pertain to her, nor were necessary for her EIDL loan. Chase Bank is demanding proof from us that XXXX XXXX a XXXX 

My wife, XXXX, XXXX  for XXXX, and received a 1099-MISC for last year 's income. This was the only form that was required of us in applying for the EIDL. The bank would not accept it, nor even look at it. 

The EIDL was offered to businesses AND independent contractors. The bank manager, along with two other bank employees, had never heard of the program, and are assuming we applied for a regular small business loan from the SBA and are committing some kind of fraud. A meeting at the bank ( over an hour, ) was unsuccessful. They wouldn't look at our 1099 or our 1040, nor our SBA loan documents. They were unwilling to help us, are not allowing us access to our bank accounts, and will close our account in 10 business days and will send OUR money back to the SBA. 

Chase Bank is holding our money hostage, and they mentioned that they are going through this process with other people as well. This needs to be looked at immediately. 

Under the CARES Act, the EIDL program is helping Americans in crisis, including us. Chase Bank is unfairly restricting bank accounts and holding these funds from those who rightfully received them from the SBA. Please help us and the others that are so unfairly being harmed by Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXX and do not have a contract with Focus Financial Services. They did not provide me with the original application like i asked but I keep getting automated responses
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXX XXXX XXXX XXXX XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital once sent me a letter regarding an account I made a payment settlement on. The letter stated that I missed a payment on the account ( Opened XX/XX/XXXX XXXX in XXXX of XXXX as the first date of delinquency. XXXX is showing a made payment for this account in XX/XX/XXXX, showing that XXXX was the first date of delinquency. I'm requesting the immediate removal of this account for inaccurate information furnished.
Product: Debt collection

XXXX XXXX  signed a phone to my account which was for my divorced since 2009 Ex husband who never was on my account. Nor did he or anyone have authorization to add his purchase or ease of a new phone. I have disputed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 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: Debt collection

I am still dissatisfied with Alliance collection agencies second response to my compliant. I made a request in my second compliant for the company to not placed any negative information onto my credit report and they didn't respond to that request. They would be violating my rights, the FCRA and FDCPA 1692e ( 8 )
Product: Debt collection

XXXX, acting this toime through West Asset Management , Inc, is making an attempt to falsely collect for a debt of {$150.00} that is supposedly for a signal booster that was never requested and never delivered because I did not have XXXX Service.
Product: Payday loan, title loan, personal loan, or advance loan

The purpose of this complaint is about fraudulent and abusive tactics being performed by SST servicing in order to avoid fulfilling contractual obligations committed to by XXXX XXXX in their original loan agreements. The company customer service line presents confusing and obfuscatory information that is only partially addressed if the caller is willing to demand speaking to a supervisor and is able to wait a lengthy period of time on hold to do so. 

This loan was transferred for servicing to SST from XXXX on XX/XX/XXXX. The original loan agreement with XXXX allowed for one deferred payment for each 12 months of on-time payments. I requested my deferred payment for the XX/XX/XXXX payment. I was told by the SST servicer at that time that I was not eligible as I only had 11 months of on-time payments. I told them that was not correct since my previously deferred payment had been in XX/XX/XXXX. Thus from XX/XX/XXXX to XX/XX/XXXX I had accumulated another 12 months of on-time payments. In XX/XX/XXXX ( approx ) I called back to ask that my payment be deferred. I was again told by the agent that I only had 11 months of on-time payments. Only after demanding to speak to a supervisor was I able to resolve that I was eligible for a deferral. The supervisor agreed to defer my XX/XX/XXXX payment. I asked for an email or written confirmation to be sent and was told they could not do that but they ensured it would be deferred. 

On XX/XX/XXXX, the payment was withdrawn from checking account and not deferred as promised. I called again on XX/XX/XXXX and was told by the service agent that the correct process was not followed by the SST supervisor in order to defer my payment and that I could request a refund by sending in an email with documentation that the payment had processed through my account. 

I sent an email as required, with a screen shot from my checking account showing that they payment had been withdrawn from my account. On XXXX I received an email saying that I needed to call the company. I called again on XXXX and a service agent told me that my screenshot did not include the word " posted '' indicating that the payment was taken from my account and that I would need to resubmit my request. I told them that the word posted is not used on my checking on-line or statements and that clearly the screenshot indicated the payment had been made. I asked for a supervisor. 

After a lengthy hold, the supervisor, XXXX, told me that the statement was not necessary at this point and that he would contact the accounting department to see if my refund " could be pushed through '' and that he would call me back. At this point, regardless of whether my refund is ever made, it is clear that SST is using evasive tactics to avoid honoring the loan commitment of payment deferrals and is deliberately making the customer jump through multiple unreasonable hoops in order to avail themselves of previously make loan commitments. In addition to this complaint, what other recourse is available when a loan servicer does not honor the original loan commitments?
Product: Mortgage

I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.
Product: Debt collection

I paid XXXX directly and told Resurgent this. They still choose not to leave me the XXXX alone!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Investigation Request Letter To Whom it may Concern, I recently reviewed my credit report and found a few inaccuracies on my account. These issues are negatively affecting my ability to obtain credit. I understand that you will investigate these items to confirm their accuracy. Please verify the following item for me. 

XXXX accounts # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report.

Are you familiar with 15 U.S.C. 1681i ( a )? According to this regulation, if proof can not be provided for the accuracy of accounts, they must be deleted. I request that you delete any accounts that are not 100 % completely accurate. 
Please investigate the following accounts and remove them if there are any discrepancies. I understand from a credit site and board that you have 30 days to complete this investigation. Kindly check these accounts and inform me of your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

Bank of America can't continue doing what they are doing. 

Thanks
Product: Mortgage

I have been attempting to do a short sale with Roundpoint Mortgage for over 2 years. I have a cash buyer and have submitted all the required paperwork to Roundpoint Mortgage and they will not tell me if the short sale is approved. I spent over 30 days submitting every document they asked for. They told me that on XXXX XXXX 2016 they has all the documents needed and that now it would be up to 30 days to " process the short sale ''. They continue to stall and drag this out until my buyer moves on to another property. I am working with my XXXX cash buyer and he is about to walk also. This company needs to be reprimanded for the way they operate.
Product: Debt collection

Discover has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746. Sworn :
XX/XX/2021 Signed : XXXX XXXX SS # : XXXX
Product: Credit card or prepaid card

Following my divorce, my former spouse and I needed to close our joint checking account and associated credit cards with Wells Fargo. My former spouse agreed to do this on our behalf. I found out later that even though the checking account was closed, there was still an a credit card open in my name that was paying for his XXXX account and a few other small payments totally under {$200.00} when I became aware of the still active account. Because the checking account was closed, there was no longer an auto-payment going to this credit card account and therefore my credit was damaged for missing a payment when I didn't even know it was still open and when charges were being made that weren't even mine. As soon as I became aware of the problem, I called Wells Fargo, paid off the account and had them finally close the credit card account. My former spouse paid me for the XXXX charges incurred and apologized. More recently, I tried to file a dispute with Wells Fargo to rescind the negative mark on my credit report but it was denied. I don't know what the Wells Fargo employee on the phone put in my dispute even though I asked them to send me a copy of it. Throughout my many years of having this credit card with them, I have made on time payments for years and never had an issue until this juncture of needing to close out joint accounts as part of my divorce and things getting messed up. I'm really hoping this can rectified so my credit isn't damaged.
Product: Mortgage

I had 2 or 3 misapplied payments at the beginning of this year. And Nationstar stated they was checking into and I was also trying to apply for a modification. However, I was told no to worry bout misapplied payments and they will adjust them with the new modified loan. I recurred the package in XX/XX/XXXX and mailed in XX/XX/XXXX and at the XX/XX/XXXX they stated the lender was not allowing me to re modifify again. By that time I was about 4 months XXXX, I hadappkief for assistance from home save and I mailed my package and I answered or phone back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  XXXX/ XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to XXXX and Equifax since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX, I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but XXXX and Equifax still refuse to remove the charge from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$71.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been asking experian to verify this fraudulent charge amount of {$360.00} from XXXX XXXX XXXX. I even sent them my police report. They still refuse to move this fraudulent account off my credit profile. This Account been reporting on my credit profile since XXXX of to day it's being reported on my credit report.
Product: Credit card or prepaid card

I contacted Fortiva Credit Card Company about some fraud charges that was on my account that was racked up to around {$1100.00}. A few months later after looking to see what my monthly bill was going to be, I noticed that the fraudulent charges got put back onto my account. I called and was stated that a notice was sent to me & I should wait till it comes in the mail. Few days later I received a letter for Fortiva saying that the amount is being sent to collections and I need to pay that amount.I was never told in a letter that the charges was denied or a reason behind them. When I tried to call them about new fraud charges the representative didn't send the paperwork that was needed to file the new fraud charges because as she stated " a case was already opened and closed, therefore we don't need to reopen on. '' A month after this letter was sent out to me, they closed the account. They stated that the account was closed for being over said limit and this letter was sent out last month ( XXXX ) and was being sent over to collections.
Product: Credit card or prepaid card

I closed on my house and the title company issued a check in the amount of {$5400.00} to Lowes. I sent that payment to Synchrony-Lowes and the payment was cashed but never applied to my account. The last four numbers of my account and MY name were on the check. I messaged them and provided a copy of the check, they temporarily processed the payment ( reducing my balance ) but have since charged back the payment. I have spent time on the phone, messages, and sent them a copy of the check and can not seem to get it resolved
Product: Debt collection

In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.