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

ubject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. Proof of any payments or transactions associated with the account. Any identifying information you have on record that would associate this account with me. Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were fraudulent. This has been hurting me as I am trying to buy a home for my family and I. Please remove these fraudulent accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the TransUnion, XXXX and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies. 
15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX NAVIENT PMT {$0.00}???? 
XX/XX/XXXX NAVIENT PMT {$500.00} XX/XX/XXXX NAVIENT PMT {$1500.00} XX/XX/XXXX NAVIENT EBILL FOR {$1500.00} XX/XX/XXXX PURCHASE ON XXXX NAVIENT COMMERCIAL CARD XXXX FOR {$300.00} XX/XX/XXXX NAVIENT PMT SPE {$100.00} XX/XX/XXXX NAVIENT PMT XXXX XX/XX/XXXX NAVIENT PMT {$640.00} a total of {$4800.00} was taken out of my account without my concent i never authorized this charges or transactions whats really interesting is that these began a month after i thought i had settled the accounts but apperantly i now know that i only settled an already charged off account that loan was already sold and charge off on my credit report and they didnt tell me that instead they send me a letter from some lawyers saying they were going to sued me if i didnt sign that stipulation afraid of having a lien put on my house i panic and call them to make it go away and they told me it would clear all accounts i confirm after when i check my navient account and all XXXX loans had a XXXX balance well sure they had a XXXX balance but behind close doors they were taking money and not reporting it I NEVER RECEIVED A RECEIPT OR STATEMENT STATING HOW MUCH I PAID OR HOW MUCH WAS LEFT.. when i called to talk to someone about this i was welcome with a bad attitude and they even laugh at me when i told them i thought those loans were settled they laugh saying " please we are govenrment loans we never settle for less than the actual amount ''. ok i said then can you tell me how this payments were authorized cause i sure didnt do it. SHE STATED THAT I DID that i log in and i made those payments from the navient website really? i sent out a payment of XXXX cent? that to me looks like they were checking the account see if it worked and if i did made that payment where is my receipt? and why is there 3 different modes of payment notice there is a PMT AN EBILL an A PURCHASE under the description of the charges charges that i did not make nor did i authorize or anyone i know i think something else happend and they wont tell me anything they even ask me where i find this stuff that they could not see it ITS ON THE NAVIENT ACCOUNT MY ACCOUNT ALL DETILS ARE THERE even numbers that dont make sense like XXXX of my loan jumping from XXXX to XXXX after receiving a refund from the school how in the XXXX does that happen it was a refund not a charge me whatever you feel like it when you feel like it charge so frustrating
Product: Credit card

My account was dormant and I did not give anyone consent to close my account. I never received notice.
Product: Credit card

For the XXXX month in a row I was billed a late fee. I feel it is the banks falt and they have changed their rules to cause late fees. Chase no longer excepts online bill pay. I believe they have done this to save a penny end increase late fees etc. They will not email me will not email me when the bill is due, and they failed to send out the alerts as I signed up for, and failed to the research to see if they were sent. The bill was paid the day after the due date when I was notified, all bill are paid in full.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I setup a transfer of {$50.00} to my niece in Illinois for her birthday. For some reason, she was having issues picking up the money and let me know. I called MoneyGram for an answer. I was told the the transaction was cancelled by MoneyGram ; however, no reason was given. I've sent her money before with no issues, but for some reason that transaction was flagged, but the representative couldn't explain why. I asked for a supervisor and was told the same thing. I now have to wait 3 to 10 business days for them to send my money back to my bank account. I wanted an explanation why they took my money, cancelled the transaction and now I have to wait so long to get my money back. Neither rep could explain except to repeat that MoneyGram is an international money transfer company that reviews transactions and flags them for cancellation. I still do not know why it was cancelled as I've sent her money before, we have the same last name and it was only {$50.00}. And I really don't understand why I have to wait 3 to 10 business days for my money when it didn't take that long for them to take my money for the transfer. I am highly disappointed, frustrated and upset and will never use this company again.
Product: Mortgage

I am filing this complaint against NewRez LLC for failing to refund an overcharged insurance fee of {$240.00} that was improperly drafted from my bank account on XX/XX/XXXX. Despite their acknowledgment of the error and a promise to mail me a refund check, the refund has not been issued. 

Key Details of the Issue : Improper Charge and Draft : On XX/XX/XXXX, NewRez LLC wrongfully charged and drafted {$240.00} from my bank account for insurance coverage, despite my having an active homeowners insurance policy. This policy met the requirements of my mortgage agreement and had been fully paid for by me. 

Proof of Coverage Provided : Upon discovering the overcharge, I contacted NewRez LLC and provided all necessary documentation, including proof of my valid insurance policy. 

Acknowledgment of Error : NewRez/Shellpoint acknowledged their mistake and assured me that the billing would be corrected. The correct billing amount was applied starting with the XX/XX/XXXX payment. 

Promise of Refund Not Fulfilled : NewRez LLC also promised to issue a refund check for the overcharged amount of {$240.00}. They stated the check would be sent to me by mail. However, despite repeated follow-ups, I have not received the refund as of XX/XX/XXXX. 

Impact : This failure to follow through on their promise to refund the overcharged amount has caused financial inconvenience and eroded my confidence in their ability to manage my mortgage account responsibly.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus twice in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile. 

I also noticed credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have not authorized or given written consent.
Product: Mortgage

I am in the process of trying to modify my mortgage with  Select Portfolio . I was given a so called single point of contact but the contact never returns my call. I am forced to talk to someone new every time I call them for clarification on what documents they want to see. The representatives tell me I need a document and then when I give to them they say I need something else. I was told at least twice I have given them all the documents needed and my loan was in underwriting only to be told again I need something else.      Select Portfolio h as also placed multiple fraudulent insurance claims on my property. I never needed to file an insurance claim as the house was always occupied. As a result I am having problems obtaining affordable insurance for my primary residence.     This property was also included in a bankruptcy and  Select Portfolio has  ignored the proper disclosures and acknowledgement of the fact that the loan was in bankruptcy. As a result the loan has a some point been reported incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your account without my written instructions
Product: Mortgage

I have a sale date coming up forXX/XX/XXXX, and I am really stressing out. Seterus offered me a modification with a higher payment in XX/XX/XXXXbut I could n't accept that one due to me not having a job or any income from my end. The only income was my wifes XXXX and during this time I was fighting to get Social Security income. Around this time XXXX XXXX and XXXX XXXX had created a new modification called the Flex Modification program. I tried applying for that one starting XXXX and they said I could not apply until XX/XX/XXXX. I applied for a modification and on XXXX they denied me for the Flex modification. I was waiting to receive the denial letter, and I never received it through mail. I had to get the denial letter faxed over to me. When I received it I told them that Seterus representatives had told me that the flex modification reviews would start until XXXX XXXX? Why was I denied so soon? Then I was advised I could submit a new packet for review. I submitted a new packet and they gave me until XXXX XXXX to submit any missing documents. I have been calling everyday and the file is still under review. They have all required documents and I have not been approved nor denied. A request to postpone the sale was submitted and they said the only way they will postpone the sale is if I get approved for a modification. The strange thing is that XXXX XXXX from Seterus stated that my file was being reviewed for a deed in lieu. I never specifically asked for a deed in lieu, I told them in writing to give me enough time to apply for a short sale or deed in lieu as a last resort if denied for the modification review. I called today XX/XX/XXXX and I was informed the request for sale date postponement was denied. They went back on what they had said and I fear that they will just deny me because of the sale coming up. They said that even if the file was under review and I had not been approved nor denied, they will still continue with the sale without giving me an answer. I tried for the flex and it didnt go through, I want to be given the opportunity to apply for a short sale due to a person interested in buying the property and me speaking with a real estate agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified the company that I have no knowledge of a XXXX account that im a authorized user on. and want this removed from my credit profile. I also have inquires on my credit I have no knowledge of. such as XXXX XXXXXXXX. and XXXX. and theirs also XXXX  XXXX  XXXX inquire.
Product: Consumer Loan

I took out a car loan of {$5000.00} from Wells Fargo XX/XX/XXXX. I have made monthly payments, including a {$3500.00} payment XX/XX/XXXX, towards the balance due under the loan agreement. I am disputing the application of my payments to unaccrued interest instead of principal. The amount that should have been applied to principal instead of interest over the past year is {$86.00}. I have called the Bank, I have gone into the Bank and talked with a loan officer, and I have written XXXX letters. The last letter I sent was on XX/XX/XXXX and I have received no response nor have they corrected the error. Is this the type of matter the BCFP can help me with? I am on Social Security XXXX and only make {$20000.00} a year, so this is a big deal for me while I 'm sure it is an insignificant one for the Bank.
Product: Vehicle loan or lease

Hello Team, I had purchase XXXX XXXX XXXX model with XXXX XXXX XXXX XXXX of XXXX Massachusetts on XX/XX/XXXX and when I had bought the vehicle I had took loan with Kia motor finance which was endorsed by the dealer. I duly closed the complete loan amount XX/XX/XXXX as I did a auto refinance to another institution, and now the loan amount with Kia motor finance was paid off. 

When I had bought vehicle i had bough couple of packages with XXXX which was again told by my dealer and since I wasn't satisfied with the product I canceled the service a year later, now this product was prorated and there was refund cheque to be issued to me, the dealer never sent cheque to me instead he sent cheque to KIA motor finance which in first place was wrong, moreover KIA motor finance en-cashed the cheque on XX/XX/XXXX for {$1200.00}. I had been following up with them from XX/XX/XXXX to get the money refunded back to me however they are just delaying the procedures, initially it was stated i will get a refund in a week and then when i went back to them on XX/XX/XXXX week they stated it will be sent by XX/XX/XXXX week and now they state it will take 1 more month, they are holding my money without no reason. If a customer doesn't pay money on time banks apply penalties and interest and now since they have en-cashed money which is not belonging to them and they are refusing to send money to me on time what penalties can be implemented on KIA motor finance and also what action can be taken on the dealer who endorses them in first place. I need help. Can someone assist me? 

Thank you, XXXX XXXX
Product: Student loan

Hello, I thought I was in contact with the FedLoan Student Loan Repayment Program. It turned out to be a third party company that was not providing the services I was paying for. My money was not being paid to my loans they were taking it. I began the program XX/XX/2019. My payment was {$200.00} per month for 6 months. I was notified in XX/XX/2019 that the company I was going through was getting sued by you. I'm looking for information for the next steps to take in trying to get the money I gave to them refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT .TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET.I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES.SECTION 611 ( a ). IT IS PLANLY ATATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT.I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY, MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON
Product: Debt collection

I had cosigned a vehicle loan for a friend on    XX/XX/XXXX   . Said friend then moved to  XXXX  and stopped paying for the vehicle and put the vehicle into a repossession. I called the friend and picked up the vehicle from him and returned it to  XXXX   XXXX   XXXX   XXXX , located at  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX . I then asked for a receipt that the vehicle was returned and to ensure the vehicle would stop reporting as " 120 days past due '' on my credit reports. The woman named  XXXX  at the main branch said she would email me the details and my credit would be updated to reflect the turnover of the vehicle. This email was never received I later found  a " Repo Expense '' w as charged to the account while I received no payment for retuning the vehicle to them.   In Spring of   XX/XX/XXXX ,  I applied for a car loan and was denied due to an " open auto '' appearing on my credit report. I then send a certified letter on    XX/XX/XXXX   to bo th  XXXX   XXXX   XXXX   XXXX  and  XXXX   XXXX  at    Sprunger Law Office     requesting adequate documentation in accordance with FDCPA and FCRA and also that the debt had been disputed. Note : This letter was signed for on   XX/XX/XXXX  by   XXXX   XXXX   an d   XX/XX/XXXX   by  Sprunger Law Office  .  I received a return letter on   XX/XX/XXXX  f rom  XXXX   XXXX  at  XXXX   XXXX  that listed an itinerary of the debt and requested return contact within 10 days of receipt.   I responded to the retuned letter on    XX/XX/XXXX   , where it was signed for on    XX/XX/XXXX   , notifying  XXXX  that he had failed to provide proof of the debt bearing my signature and that per FTC  opinion  letter from Attorney  XXXX   XXXX   XXXX , he should be aware that a printout of a bill or itemized document does not constitute verification, and yet again requested supporting documentation.   On    XX/XX/XXXX     XXXX  sent a letter with documentation he deemed fit as support, but not all requested documents were attached within the send letter.   I then waited over 31 days from the initial sent letter and pulled my credit report to see that  XXXX   XXXX   XXXX   XXXX  had not remarked a dispute in accordance with the Fair Credit Reporting Act, Section  623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required  30-day per iod. I reminded him that  XXXX   XXXX   XXXX   XXXX  may be liable for their willful non-compliance, as per FC RA 623 ( a ) ( 3  ) - Responsibilities of furnishers of information to consumer reporting agencies  [ 15 U.S.C. 1681s-2 ].    As they have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or inaction  )  on their behalf may result in a small claims action against their company.   Note :   Sprunger Law Office  failed  to reply to my request via certified letter within 30 days of receipt. The final letters were signed for on    XX/XX/XXXX    by  XXXX   XXXX , and on    XX/XX/XXXX    by  Sprunger Law Office.