23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX To Whom This May Concern, Hope your day is well. I am requesting all my mortgage documents from my previous mortgage company " XXXX XXXX XXXX XXXX '' and the assigned mortgage company " Wells Fargo ''. 

Thank You in Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX. MORTGAGE : Amount : {$50000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX XXXX. MORTGAGE : Amount : {$76000.00} Mortgagor : XXXX XXXX XXXX : MERS as nominee for XXXX XXXX XXXX XXXX. 
Dated : XX/XX/XXXX Recorded : XX/XX/XXXX in Document # XXXX Said mortgage was assigned to Wells Fargo Bank, N.A. as Trustee for the Certificateholders of the MLMI Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-HE1, recorded XX/XX/XXXX, in Document # XXXX
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

Issue w/ Edfinancial : On XX/XX/2022 I requested a refund on my account for {$10000.00} over the phone. They did not provide any confirmation of my request after I got off the phone. I tried a few times to use their chat service to check on the status of my refund but it timed out after 10 minutes of waiting each time and told me I could not be connected. I called XX/XX/2022 to check on the status of my refund request. XXXX helped me on the phone to confirm that my request was received and processing. I asked for an expected timeline and he said he couldn't say. I asked for even a general range and he said 3 months and began explaining to me that there's absolutely no way he could give me a straight answer, [ Edfinancial ] just doesn't know, then said the timeline was solely dependent on the Department of Education processing. I asked if there was anything I could do to expedite the process or any other updates I would receive and he said no, there's nothing I can do and that I have to call in to check the status periodically. I've seen countless accounts online with people receiving refunds from Edfinancial within 14 days and others being told it could be up to 180 days. This wide range of time with no explanation is not acceptable. I felt that the information provided to me over the phone was inconsistent and vague, which felt intentional. I ( and others online ) are worried that Edfinancial is intentionally delaying account refunds so that borrowers miss the XX/XX/XXXX deadline for the single time student loan relief. I want my loan reinstated before this escalates and becomes a legal issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : 1. XXXX XXXX  XX/XX/2021. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
2. XXXX XXXX XXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them 3. XXXX XXXX XX/XX/2021. This I have no idea of in its total entirety I dont know them 4. XXXX XX/XX/2021. Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
5. XXXX XX/XX/2021. Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
6 And last XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/2021 respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those two separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has credit inquiries that I do not recognize or belong to me or have been authorized by me, I need this inquiries removed XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I have not supplied proof under the doctrine of stoppel by silence.Engelhardt v Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of alleged inquiries, nor therefore any such inquiries ara in fact my.
Product: Debt collection

I have an installment loan, that allows prepayments, with installments of $ XXXX. 

I had paid significant amount in advance. Specifically {$4500.00} on XXXX/XXXX/XXXX. I continued to pay in advance. By my calculations, which I have sent in detail to XXXX, I have currently paid ahead until XXXX XXXX and partway through XXXX. 

XXXX has reported incorrect information on my credit report at both XXXX and XXXX. They have referred me to " XXXX XXXX '' a collections agency. I demanded they cease and desist all calls relating to this amount as I have already paid. I still received further calls. 

I have contacted them numerous times and asked where in the contract allows them to do this. All they say is that their billing system ca n't handle payments more than 30 days in the future. This is not mentioned whatsoever in our contract. 

XXXX has also used insulting language which implies I was somehow aware of their 30 day system, which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added XXXX addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My credit score dropped. My first request was made over 90 days ago. 

XXXX  Report # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXX XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$7800.00} XXXX XXXX  XXXX XXXX BALANCED {$2000.00} XXXX XXXX  XXXX BALANCED {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$480.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$990.00} XXXX  XXXX XXXX BALANCED {$420.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of the above-referenced account from my credit report, as I have received a 1099-C form for the cancellation of this debt. The issuance of the 1099-C indicates that the debt has been forgiven and reported as income on my taxes, as per IRS guidelines . Furthermore, I wish to bring your attention to two sections of the Fair Credit R
eporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of information in a consumers credit report. Reporting an account as charged-off when the debt has been canceled and a 1099-C has been issued is inaccurate, as the debt no longer exists.

2. 15 U.S.C. 1681s-2 : This section requires furnishers of information to provide accurate and up-to-date information to credit reporting agencies. Since the debt has been forgiven, continuing to report it as charged-off or delinquent is a violation of this statute. 

In light of these legal obligations and the cancellation of the debt, I am requesting that you immediately remove this charge-off and delete the account from my credit report. Doing so will ensure that the information reported is accurate and compliant with federal regulations. 

Please confirm in writing that the account will be removed from my credit report. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration.
Product: Credit reporting

I am putting another complaint on Experian because once again they continue to find ways to deny removal of the Federal Tax Lien they are reporting in which they got there information off of XXXX. I have confirmation from XXXX XXXX that the federal tax lien was removed from my risk file. I provided Experian the response from CFPB complaint XXXX from XXXX XXXX giving confirmation that the information was removed from my risk file with them. I have provided Experian with the police report filed, the form XXXX that I filed with the IRS, the response from IRS with receipt of my XXXX form, I provided them the response from XXXX showing the removal from where they originally obtained there information. With all of these supporting documents that uphold mt claim they continue to report and claim to verify this Tax Lien that is not suppose to be on my file. I am going to attach once again all the documents that I have supplied to Experian that only shows there unwillingness to help in the removal of fraudulent information that is on my file. They have provided only excuses and no clear answers. I am now requesting from them what vendor they are using to verify this tax lien. What is the steps and methods they are using in doing a legal full and accurate investigation. I am not asking for a generic template letter from them on how they do investigations. I want a specific list of steps that they took, including but not limited to the dates they contacted their vendor, the name of the vendor used and what was the steps. I would like to know if a website was used in trying to verify these tax lien and what is the address of the website. I have contacted the XXXX County Courthouse and I know it is not them providing the information so I do not want Experian to illegally tell me to contact the source when the court house was not the source used to verify the accuracy of the information. I also requested for Experian to remove the Fraud Alert from my file and provided identity verification documents for the removal of the fraud alert and yet it is still reporting on my file.
Product: Credit card

I rented a car from XXXX and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( XXXX ) said they would not accept cash so I gave them a different card ( XXXX XXXX ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well over my limit which I did not agreed to and I did not authorize. I disputed the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card

Citi mailed me, to my home address, a pre-approved credit card application. When I completed it, Citi turned me down because ( as they explained over the phone ) they could n't verify I lived at that *very same home address*. They put me in a Catch-22 : they mailed me an application with my name on it and then disbelieved that I live where they mailed it. My complaint is not that I was denied credit. My complaint is that, thanks to the denial, there 's now an unfulfilled request for credit on my credit history. Citi should not be sending out applications that are doomed from the start to be denied.
Product: Credit card

On the dates of XXXX, XXXX 2024 to XX/XX/year>, I was attending the XXXX music festival in XXXXXXXX XXXX  XXXX days following my return, on XX/XX/year>, I noticed a charge from a transportation company called XXXX XXXX XXXX located in XXXX XXXXXXXX XXXX in the amount of {$590.00}. I was working remotely from my home in XXXX XXXXXXXX XXXX when I discovered the charge and was surprised because I had not been in XXXX XXXX or XXXX  at all on the date of the charge, and the credit card had been in my possession for the entirety of my travel. Following my discovery, I decided to XXXX search the company. Following a the online search, I could not find a company called XXXX XXXX XXXX. However, I did find a " XXXX XXXX XXXX '', located in XXXXXXXX XXXX not too far from the XXXX area. I decided to call XXXX XXXX Transportation for which they were very friendly in helping to check their charges to see if the card had been used without my authorization. XXXX XXXX XXXX  advised that they had no record of a charge in the amount of {$590.00}, nor a charge with my name. It was then that I decided to file a fraud case wit Capital One. After filing the case, Capital One credited my account in the amount of the charge. I filed this case on XX/XX/year> ( although documents state XX/XX/year> ). The findings from the case were that the XXXX chip had been used and it was determined that, because the XXXX chip was used, I or someone else to my knowledge had benefitted from the transaction. Back to the music festival, my primary concern is that someone may have used scamming technology to swipe my card information to clone a credit card ( and XXXX chips are being cloned now too ). I find it very negligent to open and close a case in only a matter of few days ( including during a weekend for which the Capital One fraud office is closed ). I called Capital One back to determine what steps were taken during the investigation from which they did not provide information under the Banking Secrecy Act. I called a few times during the week they closed my case to no avail in getting the case re-opened. There are multiple complaints I have found online, including a class action case filed against Capital One for a lack of effort to investigate fraud cases filed out of the XXXX XXXX XXXX XXXX. I lean toward the fact that this may be a fake company using XXXX XXXX XXXX, a legitimate company, as a mask to legitimizing the transaction. Again, the card was in my possession ( including at the music festival ) between the dates of XX/XX/year> and the date of the transaction. I also have video evidence of my whereabouts on the date of the transaction at approximately XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the announcement of the 2017 Equifax Data Breach on X/X/2017, I entered my information on their site and learned that my information was compromised in the breach. I have attempted to reach out to Equifax to rectify the issue, but have still not heard back. Frankly, I do not find their plan to fix the issue ( their in-house credit monitoring tool ) to be acceptable, and I do not wish to continue business with Equifax. I know this is difficult since they are one of the big three credit reporting bureaus, but I still wish to distance myself as much as possible. I have since added a 90 day security freeze on my accounts to protect against fraudulent activity until this is resolved.
Product: Student loan

I have been on a payment plan for my student loan for almost 11 years, working for a XXXX company that qualified and verified me for the PSLF program. I checked with the loan servicers ( XXXX ), and the said that I have been making the proper payments to qualify me for this, that I should be at the payment requirement within the next few months. I had recently had my monthly payment increase again, so applied for a lower monthly payment plan, which I was moved to for a few months - then upon finding out about hte PSLF program, I had it moved back toan eligible payment plan, as I was told that it was on before the change - for the past 10 years. 

After verification by the new servicer, fedloan servicing dept, they claimed that I have only made 5 eligible payments over the 10 years I have been repaying the loan. When opening a chat session with support they said they solicited a canned response and promptly ended the conversation when I requested that this issue be escalated to a higher up. 

So now, they are saying that my loans wont be eligible until XXXX, by then they will have been paid of - making this program effectively useless for me.
Product: Debt collection

On Friday XXXX XXXX 2017 I received a letter dated XX/XX/17 from CBC Credit Services Inc Which stated that they new where I worked, and made some assumptions about my means to pay. The letter closes with a very thinly veiled threat about how this company will proceed. Fair Debt Collection ActAs amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 807 section 4
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 ) 5-1002.142 ( b ) ( 7 ). I kindly request that you 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 linked accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is not properly investigating and reporting falsely on my credit report 15 USC 1666B ( a ) ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose