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

XX/XX/XXXX Attn : Legal Disputes Department This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
This is of grave importance that this matter is address, because it is putting serious financial stress on my life and my ability to sustain myself and family. 
I demand that the following account be verified or removed immediately : 1. The following account is not mineXXXXAccount Number : XXXXPlease delete it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number:XXXX******Please delete it from my credit report. 
3. The following account is not mineXXXX XXXXAccount Number : XXXXPlease delete it from my credit report. 
4.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report. 


5. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report. 

6.The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : ******* Please delete it from my credit report. 

7. The following account is not mine XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : ****** Please delete it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX XXXX XXXX 
Account Number : **** Please delete it from my credit report. 

9. This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 

10.This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed account and take out if unable to show that the account is mine. I have been a victim of Identity Theft and the account I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please delete the account : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Please see the attached letter. 

I have been attempting to get information on MIP from Select Portfolio Servicing since XXXX XXXX. After two months of an " escalated '' issue, they finally opened a " dispute. '' The US Treasury has already taken my Federal Tax Return, and they're getting ready to garnish my wages. 

I needed the information two months ago, and I am getting the run around from Select Portfolio Servicing to get the required documentation to have prevented collection action from HUD. 

I have never disputed that there was an {$8000.00} " silent second '' mortgage that I would need to pay if I ever refinanced or purchased a new home. My dispute is that it is DUE NOW?? 

After receiving a demand letter from HUD, I hired an attorney. It was determined that it was related to the MIP insurance on my " silent second '' mortgage. 

I contacted HUD, and they just said to contact my lender, that they couldn't do anything to help me. My lender was supposedly waiting to hear back from FHA to add the insurance back on, per HUD. Then the government shutdown. They are still allegedly " waiting to hear back from FHA '' even now. 

After inquiring on whether I had met the requirements to drop MIP insurance in XX/XX/XXXX, Select Portfolio Servicing allowed me to do so in XX/XX/XXXX. I had met the requirements of being eligible to drop the {$86.00} per month premium I had paid for 6 years. I had paid down the mortgage on my home to 78 %. 

It was my understanding that SPS had requested and received approval by HUD and/or FHA to cancel the insurance. 

I have requested a copy of the document where HUD or FHA made this approval. I need a copy of my " servicing file '' and they said it needed to be in writing. I e-mailed them on XX/XX/XXXX. Today, she said it had to be MAILED!?!?!?!? WHO APPROVED MY INQUIRY AS TO WHETHER OR NOT I MET ALL THE REQUIREMENTS TO HAVE IT REMOVED?!?!?!?!? 

This is a time sensitive situation. I DO NOT HAVE TIME FOR THIS! Because they have drug their feet for two and a half months, my wages are about to be garnished. 

The resolution would be them sending an immediate digital file TODAY!
Product: Checking or savings account

I was supposed to receive my paycheck of a little over {$1000.00} via direct deposit into my Capital One checking account on Thursday, XX/XX/XXXX. It is now the end of the day on Friday, XX/XX/XXXX and I have not received anything. I contacted Capital One customer service on Thursday the XXXX after seeing my check did not deposit. They told me that they were working on a resolution and I should see my deposit by the end of the day Thursday or early Friday morning. It is now the evening and still nothing. I have tried to contact them again but sit on hold for too long to get a response. I understand they are having tech issues, but I have bills to pay. With Monday being a holiday I am assuming I will not be getting my check until Tuesday at the earliest. Capital one made no effort to offer compensation or a way to right this, so any late fees I am billed from not having my check on time will be on me. Very disappointing as I have praised Capital One for years.
Product: Student loan

I was solicited by a representative from The Student Loan Help Center, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX the representative solicited funds to help consolidate my student loans and I just recently was notified by the servicers of the loans and they are not consolidated and I have to pay more money to them than what was discussed by the representative at The Student Loan Help Center. I am paying XXXX organizations for my student loans which has placed me in a serious financial bind and my student loans are still not paid off or my payment is very high. 
This has caused severe financial hardship for my household as a single mother of XXXX. Please help me with this matter and the return of the charge of {$1200.00} that The Student Loan Help Center charged me for a service that I did not receive.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on the date XXXX XXXX ) attached, uploaded will be tracking proof of documents, But it has been more than 35 days since the credit bureau 's haven't responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) And accept as provided in subsection ( g ), If the completeness or accuracy of any item of information contained without my consent, in consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency received the notice of dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your two unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Onemain Made on : XX/XX/XXXX - XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting or other personal consumer reports

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 number : XXXX Account name : XXXX XXXX Account number : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.
Product: Credit card or prepaid card

I have been trying to get my Citi bank Credit Card rewards since XXXX of XXXX. I have multiple credit cards with Citibank, and one of them offers cash back. 

I redeemed my rewards in XXXX  ( and have since seen the rewards deducted from my account ) and I have chosen to have the rewards in the form of a check delivered to my house. 

I never received the check. After waiting the advised time ( 3-4 weeks ), I called and confirmed the check was never cashed and informed them I never received the check. This was late XXXX. I was told they would resend the check and to wait 3-4 weeks.

I again did not receive the check. I called citibank ( in early XXXX  ) back and asked about it, and they said they would AGAIN send the check. It is now XX/XX/XXXX and I have not received my check. 

I have no confidence citibank is even sending me the check. When I last spoke to a person at citibank, they had no record of my conversation in XXXX  and no recollection of resending me the check. 

The rewards check is in the amount of {$370.00} and was originally redeemed on XX/XX/2020.
Product: Debt collection

I always track my credit report from XXXX and XXXX through XXXX XXXX  In the last 10 days I have paid off one of my debts in collection. After I had made an initial payment another collection popped up on my XXXX report. I don't have any debts I can recollect from the time frame they posted and the name and the name of the original creditor they give are not names I recognize. The company is McNeil & Meyers. The original creditor is stated as McNeil & Meyers receivables the date of the collection opening is XXXX. I think this must be mistaken identity or something along those lines. Thank you for your time.
Product: Debt collection

I called Cedars Business XXXX on three different occasions ( I looked on my past calls on my phone to find dates, but it only goes back to XX/XX/XXXX ) to resolve a collection that only is showing up on my XXXX credit report and not on XXXX or XXXX. Each time I called CBS, I spoke with the same person ( XXXX ). I explained that the amount I owe on my XXXX Credit report is incorrect, and that I did not owe the {$4900.00} they claim I owe. The bill I have attached from XXXX was the last bill I received from CBS and shows the amount I owe is {$1100.00}. 

When I spoke with the representative XXXX XXXX XXXX after filing a dispute with XXXX on XX/XX/XXXX, they suggested I also call CBS. XXXX lectured me on being responsible and holding myself accountable for my debt. I explained my reasoning due to me and my family becoming XXXX during XXXX three times. He said he would call the company they purchased the debt from to try and negotiate and that he would call me back but he did not. I called and spoke with him on the second time and he said he hadn't heard from them. When I called a third time, he was rude and asked I stop calling and that he would call me, but he never has done so and despite him lecturing me on holding myself accountable. 

I am halted in pursing my second mortgage with XXXX XXXX due to this company refusing to handle this matter and my deadline to proceed is coming due. I have already invested a {$500.00} deposit with XXXXXXXX XXXX to proceed with my closing, and I paid to have a home inspection. 

This is ridiculous. Can you help me?
Product: Student loan

Transferred from XXXX to Mohela XX/XX/XXXX. Never received any communication or initiation of contact from Mohela. Incomplete transfer of payment history and other information as of XX/XX/XXXX. I had to beg Mohela for payment history and they treated me as if they were doing me a favor by providing info. 

My PSLF applications have not yet processed through Mohela or updated counts despite being submitted spring XXXX. Agents, Managers and Supervisors unable to explain why my applications have not processed after 8 months. I have been told to be patient since XXXX XXXX. Ive had to resubmit my XXXX Loan Forgiveness application 3 times because of bad instructions and information from Mohela personnel. On XX/XX/XXXX, Mohela agent stated I would disqualify myself from PSLF if also applying for TLF. Spreading inaccurate information and completely misrepresenting the basics of COVID Waiver. Making loan holders jump through hoops, agonize and stress over possibility of jeopardizing their opportunity for financial security, making corrections to and having to resubmit applications because of Mohelas mistakes and holding up the forgiveness process in general. Im sure many have just given up. It is exhausting and discouraging spending so much time and energy with not even the bare minimum of regard or support from loan servicers. Many agents are condescending and rude when answering questions they are being paid to answer. This entire experience and process has been appalling.
Product: Money transfer, virtual currency, or money service

My money did not send to other paypal account, my money is XXXX pesos.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX  Balance {$710.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I rencently XXXX my dad last year and my mortgage provider XXXX XXXX refused to help me. They sent me to select portfoilo servicing in XXXX of this year. I opened a died in lieu in XXXX XXXX of this year and they have given me the run around i keep calling them and they keep telling me the investor on my case needs to sign off on it. they keep telling me to call back i just want to sign it over to them..
Product: Prepaid card

I have XXXX RushCards. I have not been able to access my money since Monday morning ( XXXX XXXX, 2015 ). Until 2 days ago, i was not able to log into my account. Online, XXXX card shows as " Pending Activation '' with a correct balance of {$600.00}. The XXXX card shows an incorrect balance {$0.00}. The balance changes constantly, but is never correct. On Wednesday, XXXX XXXX, I was able to speak to a RushCard representative. I stated my problem and was told a " form '' would be " escalated to a manager '' and my card would be fixed with XXXX hours. That has not been the case. I 've tried to call back, no less than, XXXX times. Each time, the call is dropped or hung up. Last night i was able to get past the initial ringing and was on hold for XXXX hours before i have up. I have over {$600.00} that i can not use. I have a paycheck direct deposit of over {$1200.00} coming this week and i 'm terrified that i wo n't be able to access it. 
Please Help.
Product: Mortgage

On XXXX, 2021 I called Wells Fargo to apply for a refinance of my mortgage loan based on information that I found on my account page on the Wells Fargo 's webpage, it showed that I had a fico credit score of XXXX and I was told by a Wells Fargo representative that a fico credit score of XXXX was sufficient for refinancing my mortgage. On XXXX a letter of denial was mailed to me stating that my application was declined due a fico credit of XXXX.Why does Wells Fargo put misleading information on their account website that leads people to feel that they have a opportunity to refinance their mortgage for a much lower interest rate?
Product: Vehicle loan or lease

Hi, I would like to start off this complete by introducing myself and my family. I am a small business owner in my community, and my husband is a XXXX  who both work very hard with two XXXX  children. 

We have been Kia customers since XXXX and have leased 6 Kias. To say that we have been abused emotionally, financially and mentally, exploited, manipulated, robbed and bullied is a complete understatement. 

I leased my sixth Kia back in XX/XX/XXXX located at XXXX XXXX XXXX and in an Unfortunate event my car was flooded but not a total loss on XX/XX/XXXX. I decided to have the vehicle towed back to the Kia dealership ( on XXXX XXXX ) so they can try to fix the issues. XXXX paid the dealership for my vehicle to be stored on their property while all of the issues were being attended to. Within the three months of leaving my vehicle with the Kia dealership, not only Was my vehicle left out on the XXXX XXXX XXXXXXXX Streets and in that time frame incurred 4 tickets That Kia hid from me each time I went to check on the car and the status. After the fourth time my car, then was booted the day before XXXX was going to pick it up and it was only then that the manager XXXX called me so then let me know my car is no longer in their possession but now with the XXXX XXXX XXXX financial division. I was lied to. I was treated inappropriately once I claimed that the dealership had to pay for the tickets. XXXX was the head manager who berated me yelled at me and told me that they were legally allowed to leave the cars out on the street although XXXX has been paying for a storage fee to make sure that my car was placed on their property. They wanted nothing to do with the situation, No one will pick up the calls for me. No one wanted to speak with me and it wasnt until I went down to the financial district that I even find out that they were four tickets That were thrown away by one of the employees. It gets worse- Through these actions, my situation with my car, completely spiraled out of control to the point in which I had to Miss many days of work, fighting the case for many hours and degrading conversation with the staff, Emotionally drained, I then had to continue to pay out of pocket for a replacement vehicle. Pay out of pocket for my car lease and out of pocket for my insurance. And to add insult to injury, my car was never recovered from this situation. 

This entire mess could have been prevented and avoided had Kia the dealership left my vehicle on their property. Never again will I be utilizing this company and allow for this type of abuse. What a precarious situation and I was fully taken advantage of!!!