23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested information for COVID-19 re-payment program I tried calling and tried setting up payment plans and all were denied around XXXX through XXXX of XXXX and XXXX
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

. PROF DEBT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ( an original Consumer Contract with my  Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

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: Mortgage

Due to XXXX, I entered into a 360 day forbearance plan. The plan ended XXXX. I called USBank Home Mortgage in XXXX of XXXX to initiate a loan modification. My options were provided to me prior to the end of my forbearance plan. 

The representative advised me that my application had been submitted. I received documents weeks later stating that I was under a different loan modification than requested. I called back to US Bank to advise them of what had happened. I was told to submit an email stating that I had been placed under the wrong plan and to remove me from the plan. I was told that it could take up to 30 days for the request to be completed. In XXXX, I received a letter stating that my loan modification request had been cancelled. I called US Bank in XXXX to be placed on the correct plan. 

I called back two weeks later to find the status. After speaking with three reps, I was finally transferred to a white male who stated I had not been placed on a plan, but that he could submit my request. He then stated that he had submitted my request and that I would receive documents in the mail. In XXXX, I received a supplemental application for my loan modification request. I was a bit confused, because this was not the case before. I called and spoke with a representative who initially had no access to any of the information I was mentioning. Finally, she told me she was able to see what I had been stating after digging a little more. She told me that once I submitted the supplemental application, that would be the last step in the application process. I did what she stated and emailed the documents by the XX/XX/XXXX deadline. I received a confirmation email from the automated system saying my documents had been received. 

I was told that it could take up to 30 days to process, but to be prepared to make my XXXX mortgage payment. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my application had been cancelled at my request. 

This was completely untrue and took me by surprise. How is it that only two days after emailing my supplemental loan modification application I would receive a notice of cancellation. From what I was told before, an email had to be sent to initiate such requests. 

I called US Bank Mortgage today, XX/XX/XXXX to find out the circumstance. I was told that my request had been cancelled based on my request being placed under review on a retention template ... .under their Business as usual method.. 

I am now four months pass the date of my forbearance ending. I'm still not under a plan. I was offered an interest rate of 3.125 % on XXXX XXXX and now the interest rate has increased to 3.5 %. 

I need help because I feel that my mortgage company dropped the ball and don't want to accept responsibility, rather penalize me for their mistakes. 

Best,
Product: Payday loan

Getting a call from a XXXX about a payday loan back in XX/XX/2012 mypaydayloan.com. They are staying that they will serve me papers at home/and at my job with my manger. I asked for proof first from this company, but they said that the " papers will be my proof ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called a company by the name of CHRYSLER CAPITAL who placed and inquiry on my consumers report. The number I call was ( XXXX ) XXXX it was an invalid number. I then called XXXX to have the inquiry removed but they rejected me and told me to call the company to have the send a letter stating they will remove it. 

The inquiry was dated on XX/XX/XXXX by CHRYSLER CAPITAL I have no business or account with this company and Ive never applied for anything with them. I will attach my consumers report highlighting the inquiry.
Product: Debt collection

XXXX XXXX {$1000.00} Collection account from Wakefield & Associates was on my credit profile resulting in a identity theft action that was not made by me. I tried working to sort out the debt and have it removed or verified with my signature to prove that I am the rightful owner of the account they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : OAG XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond outraged that XXXX XXXX XXXX is falsely reporting on my credit and violating my rights under the Fair Credit Reporting Act. I have never had any accounts with them, yet they are falsely reporting to my credit as a debt collector, in violation of 15 U.S. Code 1681d - Disclosure of investigative consumer reports. They have not clearly and accurately disclosed to me that an investigative consumer report may be made, and that disclosure was not made in a writing mailed or delivered to me not later than three days after the date on which the report was first requested. 

To make matters worse, they are displaying a supposed closed account with a balance of {$3400.00}, which is a violation as per my research, charged off accounts should display a zero balance. This is not only inaccurate but also defamatory and a violation of 15 U.S.C 1692g. This is a violation of 15 U.S. Code 1681 and I demand that the account be deleted at once. I have no contract with XXXX XXXX XXXX and have never done business with this company, nor have I given my written consent to any financial obligations. 

I have sent two letters to them on XX/XX/2022 via certified mail and have yet to receive any proof of this alleged debt or any instrument bearing my signature with XXXX XXXX XXXX. I demand that they provide proof or delete the inaccurate information from my credit report immediately. I remind them that they have 30 days to complete their reinvestigation as per federal law and that time has passed. 

I will seek {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. As in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXT is liable for their willful non-compliance. I will not rest until this is rectified and justice is served. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I am beyond angry and will not tolerate this violation of my rights any longer!
Product: Mortgage

Hello, Thank you for your time. I did a re fi for my house in late XX/XX/2021. I was not due a payment until XXXX. I made a payment in late XXXX to ensure it cleared by the XXXX due date. This payment was never received per American Pacific Morg. I have the cashed check for {$960.00} and proof from my bank that it was endorsed. My bank has also stated the check cleared on XX/XX/2021. Note that first payment that was missing is XXXX cents short -- and I have paid additional principal each month. I called about this issue and the XXXX and XXXX statements that seemed like I owed 2 months of payment. I called and often no one answered or I was hung up on. I finally got a person who stated my account and escrow was set up wrong. That was not the issue. I have tons of emails and spreadsheets and copies of payment that I can provide. And in the meantime my loan was dumped over to XXXX and they are making me go through all of this all over. It has been highly irritating and I have spent hours on this now. In order to protect my spotless credit I had to make 2 payments in XXXX which was a hardship due to the pandemic. 

If you need any further information you can contact me at XXXX or my work email XXXX. Thank you for your time.
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. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, and I have still found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) XXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. CORRECT the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I deposit a check that was paid to me of {$22000.00} and bank of America had a whole week to to verify the check and made it available on XX/XX/2019 and wen i was doing a transfer wire money they stop my fund and froze/ my account and took away my funds. It was the worst XXXX year ever in my life and ended up in the streets homeless
Product: Debt collection

After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a capital one card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a persistent issue regarding inaccuracies on my credit report. 

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing. 

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist. 

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored. 

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act
Product: Checking or savings account

I'm Is a small woman own business That banks with santander bank. On XX/XX/XXXX I made a deposit of {$160000.00} And the check came from eastern bank. On the deposit slipped that they gave me did not say there was going to be a hold or an extended hold on the check. On XXXX XXXX  they deposited XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX dollars into my account. At this time I made out my payroll checks and I submitted payment to my vendors. On XXXX XXXX  I received calls from my employees let me know that all the checks have bounced. When I contacted santander bank they told me that they took the money out of the account and did an extended hold. When signing up for this account in their checkpolicy it does state that they have the right to do an extended hold but it does not state that they have. The right to deposit money into someone's account take the money out of the account not notify the customer and remove it from the ledger. I have made an official complaint with santander bank on XX/XX/XXXX and someone? Is supposed to give me a call. Back within twenty four hours and it is now going on a week and I have not returned my call. Also when I've requested from XXXX the supervisor in the fraud department a copy of the policy. He's telling me that it's internal only. What are my rights as a customer? Recently. Santander removed external notary from their services and never informed us as customers. I'm a XXXX XXXXXXXX. And I need to have lean waivers notarized for me to get paid. I would like to know what are my rights as a customer Because every time I call santander bank and speak with someone new like XXXX or XXXX or XXXX or XXXX. They all have a different answer for me and no one wants to answer my question directly. I need to know what my rights are as a small woman own business that operates out of XXXX massachusetts. Is it just the inner city people being treated this way or is this custom across the board.
Product: Credit card or prepaid card

I've been a loyal consumer with Capital One for a while now. On XX/XX/2021 I initiated a consumer credit transaction for a line of credit increase with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application for a line of credit increase as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant XXXX XXXX XXXX XXXX and Duties of Banks and XXXX XXXX have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.
Product: Debt collection

I am receiving harassing calls from Midwest Recovery for a debt that is not mine and they put something on my creditr report. I have contacted an attorney as well.
Product: Debt collection

On XX/XX/XXXX I bought a XXXX XXXX XXXXXXXX XXXX for home internet with monthly service the XXXX XXXX store in XXXX XXXX. It came with a 14 day trail period where I could return the XXXX to a store, cancel my service and pay nothing. 

On XX/XX/XXXX I returned the XXXX to the store in XXXX XXXX  and cancelled my service. 

I canceled my service and returned the XXXX, and I have emails confirming both. Not long after that, I got a bill from XXXX for around {$40.00}. I called XXXX XXXX and they told me it was a mistake and that it would take one billing cycle for their system to fix it. So, I threw that bill away. 

Then, more bills started coming, but I figured it was just taking them longer to sort out their system. Then, on XX/XX/XXXX I got a notice from a collection agency. 

On XX/XX/XXXX at XXXX p.m., I called XXXX and spoke to XXXX. She told me the charge would be removed in five to seven business days. 
On XX/XX/XXXX at XXXX p.m.I called the collection agency, they told me the charge was still there. 

I was transferred to XXXX spoke to a supervisor named XXXX. She said they couldnt access my account without a password reset and since my account was not active they could not send me a link to reset the password. 

So I am stuck with this fraudulent charge.
Product: Credit card

Capital One Bank sent me a new card which i did not apply for. new card number
Product: Checking or savings account

I have spent the last 1.5 hours trying to open a money market account with Sallie Mae I had an account several years ago. I tried to use the ID I had before and it returned an error that I do not have a current account. I tried to call and get help but no one was able to assist. i spoke with a man first who could not help. he transferred me to a voicemail that said everyone was out on holiday ( This is XX/XX/XXXX ) I called back twice and spoke with XXXX who was very unhelpful and hung up on me. I then spoke to XXXX. She tried to help but did not. 
I have spent TWO hours trying to set up a Savings account and customer care will not assist. 
This is ridiculous! Horrible customer service.
Product: Student loan

I took online classes with XXXX XXXX XXXX XXXX and XXXX XXXX, and they charged me {$15000.00} through climb. I filed a complaint with XXXX XXXX XXXX, but they completely refused to refund my money. They lied to me about the program they are running. I just need a refund through climb because I'm paying {$340.00} every month. This is big scams and right now they are trying to convince anyone that I did well in class. I didn't attend any class with them.I called XXXX SO many times to find out, but they didn't care
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to Experian was dated XX/XX/2022, but I never received a response from them. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX Experian and XXXX asking to verify inaccurate information on my credit report. its been more than XXXX  days and I have not yet heard back from either bureau regarding the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my loan to XXXX who sold to Rushmore. BK was filed w/ XXXX so should never have sold. XXXX is reporting it as a foreclosure and not bankruptcy status ( see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Contact info XXXX XXXX XXXX XXXXXXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DT CREDIT Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.