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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Fraudulent Accounts and Inquiries Reference Numbers : FTC Complaint : XXXX CFPB Complaint Dear Sir or Madam, I, XXXX XXXX, hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit report. 


-- - Accounts to Be Removed : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX Account Number : XXXX Balance : {$1700.00} XXXX Credit XXXX Account Number : # XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : # XXXX Date Opened : XX/XX/XXXX -- - Inquiries to Be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Inquiry Date : XX/XX/XXXX -- - Additional Requests : Adhere to the consumers complaint -- - Thank you for your prompt attention to this matter. Please provide confirmation of the actions taken to resolve this issue. I can be reached at the address provided above should you require any further documentation or clarification. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA Ford Motor Credit XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number xxxxxxx on XX/XX/2022 Requesting to be provided : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under, the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation that you did receive my letter on XX/XX/2022.
Product: Student loan

I have been battling with XXXX and Navient since 2012 about a misapplied forbearance that caused me XXXX late payments on my credit report. Even though I have never missed a payment, my disputes have always fallen on deaf ears. I even truly feel that the XXXX employee who initially made the error might have been negligent on purpose. 

The delinquencies are XXXX Signature Student Loans, which were reported delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2012. The actual occurrences of the delinquencies were in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2012. That is the first error. The second error is that the forbearance was to be applied to the starting in XX/XX/XXXX so the account would be brought current. This should have eliminated the chance of account delinquency. I would have, and should have, been been enrolled in the program without any credit bureau reports. The reduced rate repayment plan began in XX/XX/2012, which was paid as of XX/XX/2012, on my account history. The forbearance and repayment plan were a huge repayment triumph for me since my previous dues were so high I could not afford them, and then they were dropped significantly. But now, because of the forbearance error, these XXXX Signature Student Loans ( each showing three months late ) equate to XXXX delinquencies/late payments on my credit report. They have affected my credit score so badly that I can not even qualify for new school loans if I choose to go back to school. This is true, even though I have dedicated myself to loan repayment in full and have prioritized XXXX/Navient above all other responsibilities. No certified letter has done any justice. Attached is the original certified letter which is nearly what I 've expressed here in the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : XXXX XXXX Account name : XXXX BXXXXNK XXXX XXXX XXXX 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XX/XX/XXXX These are not my hard inquiries. I did not inquire about any credit from these companies on these dates please delete ASAP
Product: Money transfer, virtual currency, or money service

I initiated a request to transfer my XXXX from Optum Financial to XXXX at the start of XXXX in XXXX. At some point in XXXX, I noticed my Optum Financial account was closed out and emptied. However, towards the end of XXXX I noticed that XXXX still had not received my transfer money. Optum Financial told me the check was mailed out around the beginning of XXXX and said at this point, it should have arrived. I checked with XXXX and it hadn't arrived and XXXX suggested that I put a stop payment on the first check so they can expedite a second check out. This was around XX/XX/XXXX, and the assumption was that the second check would be expedited and sent out a few days later. 

A month later, I'm finding out that the money was put back in my Optum account, my account was reopened, and I need to sell the investments and start this process over again. Optum will not provide a tracking number on the check they mail out, so once this happens there will be no transparency where the money is again even if it's been a month. At this point, a process that was supposed to take 4-6 weeks is still ongoing XXXX weeks in. 

Different representatives at Optum have also told me differing information. I was told that they can expedite a new check to XXXX, but then was just told they need to restart the process over and there's no expedite process.
Product: Money transfer, virtual currency, or money service

IRA CD with BMO Harris Bank matured XXXX XXXX Transfer of funds request submitted to BMOHarris Thursday XXXX delivered overnight by XXXX tracking # XXXX ... received at their XXXX WI office at XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 
Repeatedly called customer service to determine when funds would be transferred to my XXXX XXXX IRA account, as per written request already received ... .BMO staff would never answer question about transfer timing, and issued contradictory statements regarding receipt of instructions ... yes we have them ... no we don't have instructions? 
XX/XX/XXXX telephone conversation with XXXX of Resolutionn team ... she confirmed receipt of XXXX instructions and told me funds would be at XXXX by Monday XX/XX/XXXX. 
XX/XX/XXXX ... no funds received by XXXX ... called XXXX back XX/XX/XXXX and XXXX XXXX-no response. 
XX/XX/XXXX telephoned another Resolution team member..XXXX XXXX. XXXX tells me that XXXX instructions can not be located..contradicting what I was told XX/XX/XXXX by XXXX. 
Nearly XXXX weeks after Maturity, I still do not have funds at XXXX and can not determine when I will have funds at my XXXX account ... no specific information provided by BMO Harris Bank.
Product: Credit reporting or other personal consumer reports

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Chapter XXXXXXXX XXXX XXXXXXXX Chapter XXXXXXXX XXXX XXXXXXXX Chapter XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were refused the removal of XXXX even though the XXXX is at the level that does not require XXXX to be on a mortgage. The reasoning was we had missed payments, the payment history is not and should not be a part of the XXXX release as the value of the home well exceeds the purpose of XXXX  to begin with. XXXX  is to protect the investor from loss in the event of default or foreclosure however if we we to default and go into foreclosure the investor would profit on our loss of the home as the saleable price is over {$200000.00} ABOVE the loan payoff at this time. The investor, XXXX XXXX a Government agency or under government control is fleecing us for an unnecessary and vindictive reason even though they would gain if they got control of the property, they are NOT using the funds to pay for the XXXX policy, they are simply pocketing it and that should be 100 % illegal if it is not already!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how XXXX, XXXX and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried to have these inquiries from the dealership removed by all three credit bureaus.. XXXX, Experian, and XXXX and they all come back verified and accurate! This is not the case! I did not authorize the dealership to do XXXX hard inquiries on my credit report! I did not give them permission to pull my credit this many times. This is affecting me tremendously and I dont know what else to do. Why is this coming back verified? Where is the proof that I gave consent to have my credit pulled XXXX times! All in one day
Product: Debt collection

On XX/XX/2020 I was transferred via XXXX XXXX  from XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX and am responsible for a Co-Insurance of {$1000.00}. Unfortunately, the bill was transferred to collection agency and interest charged, currently at {$69.00}, Per the FTC, they may not try to collect interest, fees, or other charges on top of the amount you owe, as stated in the original contract. Interest is illegally charged and I will not pay. I have paid in full the principal balance. I expect the account to be closed. I did send a letter to both XXXX XXXX and Grant Mercantile Agency detailng as such and their practices were illegal, but did not receive a response or acknowledgement,
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019, XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts have been attributed to my credit file that were opened by a thief not by me. I have not received any goods or services from these fraudulent accounts and 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what shouldhavehappened.
Product: Mortgage

PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX is charging me of XXXX XXXX policy that is unwanted and not required. I have sent XXXX XXXX and XXXX XXXX documents multiple times clearly stating that I am not in a flood zone that required coverage. I have been communicating with XXXX since XXXX XXXX. My previous flood insurance company agreed that coverage was no longer needed and refunded my premium. XXXX is now charging my escrow for payment of new policy ( twice the price ) and future payments raising my new mortgage payment to XXXX XXXX of being unaffordable. This is a XXXX XXXX loan.
Product: Vehicle loan or lease

Please know this is a formal complaint. I am writing you because of my sheer disgust in how I am being cheated by XXXX  XXXX. It is my hope that someone here in the US can get this matter under control now. When I purchased the car In XX/XX/XXXX I was supposed to begin payments in XX/XX/XXXX, statements attached. However, I started to pay in XX/XX/XXXX. My payments are due on the XXXX of each month and late payment charges are which are only about XXXX are not to begin until the XXXX day after the due date. I have paid more than the amount I was supposed to pay each month but, yet I keep getting charged a XXXX late fee. I dont owe a late fee and the late charges are not XXXX per month. I need someone to straighten this out before I make another payment. I called to complain over and over finally, a XXXX in your escalation department somehow got the late chare taken off for XXXX only to be placed on my account for the XX/XX/XXXX due date. This is ridiculous. Also, I dont know what country your representatives are in, but I can tell you they are liars and they are rude. Again, with the escalation department I spoke to a woman who said her name was XXXX on XX/XX/XXXX, she just kept repeating that I owe a XXXX late charge and I kept telling her I did not. When I asked to speak to someone in the US she told me that the US office did not have the power she had, but that she would put me through to the US office. She placed me on hold and never came back. I am not paying a XXXX late charge I dont owe. Before I report this to the XXXX, please have this straightened out and the funds I have paid to your company appropriately placed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX  XXXX XXXX XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to set up an online account to view and manage my Capital One account. While doing so they claimed that I had two accounts, one with Bass Pro and a second with Cabelas. The Cabelas was opened on XX/XX/XXXX. I did not authorize this account. I called them and they said they would cancel the account. I then contacted the three credit reports and they confirmed that the account was never opened but there was an unauthorized inquiry and the listing of an unknown home address on my credit report. I placed a dispute into all three of the credit reports and they are in the process of investigating the complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Overdraft / reserve checking account - - Account Type - Detail : Overdraft / reserve checking account - - Bureau Code : Individual account - - Account Status : Indeterminate - - Monthly Payment : {$0.00} - - Date Opened : XX/XX/XXXX - - Balance : {$0.00} - - No. of Months ( terms ) : - - - High Credit : {$3600.00} - - Credit Limit : {$2900.00} - - Past Due : - - - Payment Status : Charged off as bad debt - - Last Reported : XX/XX/XXXX - - Comments : Transferred to another lender Date Last Active : XX/XX/XXXX - - Date of Last Payment : - XXXX Account Type : - - Revolving Account Type - Detail : - - Revolving Bureau Code : - - Individual Account Account Status : - - Indeterminate Monthly Payment : - - - Date Opened : - - XX/XX/XXXX Balance : - - {$0.00} No. of Months ( terms ) : - - Monthly ( due every month ) High Credit : - - {$1900.00} Credit Limit : - - {$1400.00} Past Due : - - - Payment Status : - - Charge-off Last Reported : - - XX/XX/XXXX Comments : CHARGED OFF ACCOUNT Date Last Active : - - XX/XX/XXXX Date of Last Payment : - --
Product: Credit card or prepaid card

I currently have  XXXX  promotional purchases active on my  Care Credit/Synchrony  Bank card. On  X/X/17    I contacted  Care Credit/Synchrony  bank and requested all future payments that I make be split equally between th e  XXXX  debts after noting my last entire payment was applied to only  XXXX  of the promotional  purchases. I was informed that it was not possible to do that which I find hard to believe. I requested that their answer be given to me via email or a written letter and was told that they could not do that either. I requested to speak to a supervisor and was told by the supervisor that I would need to submit a request in writing and they could take up to 90 days to get me a response. If I took 3 months to submit a payment, I would surely occur negative repercussions but what about Care Credit/Synchrony slow rolling a simple response so I could include it in my complaint?     I do n't think it is right that the bank can decide where my payment is applied to my debts. In this case, I will be forced to pay more money each month to make up payments not being applied to  one of  my promotional purchases so I can pay it off before the promotional expiration date. If I do n't pay it off in time, I will be forced to pay the deferred interest charge currently at {$730.00} and this amount will only increase with time. If they would split the payments, I would not be in this position!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Re : Dispute of Debt ACCOUNT NAME : LVNV Funding LLC Account Number : XXXX To Whom It May Concern, I am contacting you regarding the above-referenced account, which I do not recognize as a valid debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. Please provide the following documentation : 1. Proof of Debt Ownership : A copy of the original signed agreement or contract demonstrating my legal obligation to this debt.

2. Detailed Account Breakdown : An itemized statement listing the principal balance, interest, fees, and any other associated charges.

3. Proof of Your Authority to Collect : Documentation verifying that your agency has the legal right to collect this debt, including a copy of any assignment or transfer agreement from the original creditor.

4. Complete Account History : A record of all transactions on this account, including the date of account opening, last payment made, and any applied charges or adjustments.

5. Original Creditor Information : The full name, address, and contact details of the original creditor for my reference.

Until proper validation is provided, I dispute the validity of this debt and request that all collection efforts, including reporting to credit bureaus, be suspended. If this account has already been reported, please update my credit file to reflect its disputed status.

All future correspondence regarding this matter should be directed to the mailing address provided above. I appreciate your prompt attention to this request and expect a response within the legally required timeframe. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX opened XX/XX/XXXX XXXX..account is not mine already filed for identify theft .. they told me it would be off my report in 60 days..its off my XXXX but not XXXX and XXXX.