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

My loan was paid off by another lender to Wells Fargo and they are still listing this debt as charged off and closed. They agreed to reflect this debt as paid in full and remove any negative items but continued to show this debt negatively impacting my credit report.
Product: Credit reporting or other personal consumer reports

on my credit report with an outstanding balance of {$3200.00}. This account is fraudulent, and I did not open or authorize it. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the following : Immediate investigation and removal of this fraudulent account from my credit report and XXXX XXXX XXXX 
Written documentation proving that this account is valid, including any signed agreements or applications allegedly submitted by me. 
Suspension of all collection and reporting activity related to this account while the matter is being investigated. 
Confirmation in writing that the account has been removed from my credit report if found to be fraudulent. 
Additionally, I ask that you cease all communication with me regarding this debt unless it is to provide the requested validation or to confirm the removal of the fraudulent account. 

Please take action as soon as possible and provide me with written confirmation of the investigation results.
Product: Credit card or prepaid card

signed up for Chase XXXX XXXX card. They had XXXX reward point promotion if $ XXXX spent in 90 days. As I went to make the final purchase a few days before the deadline, their fraud system flagged a purchase attempt and the card was locked for several days until they responded to my inquiry. After that, the deadline had passed and after multiple requests, they will not honor the promotion.
Product: Mortgage

Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially. 
My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility. 
My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this. 
My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed. 
My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process? 
If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.
Product: Student loan

They have stated that they are applying payments in accordance with my promissory note, but refuse to give me a copy of any of the documentation. 

On XXXX XXXX, I asked for copies of my signed origination documents, promissory note, terms, etc,. copies of any and all paperwork I have with the company. 

On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX, 2016. I have not received any documents.
Product: Mortgage

My house was foreclosed on after I moved out. The mortgage company was Ocwen Servicing. They have never recorded the deed and they have it on my credit as being behind AFTER it was foreclosed. I need to get this record corrected. I looked the property up online and that is where I got the date of XX/XX/2013 when the deed was transferred. I want proof of when the deed transferred back to the bank and no one is giving it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have had a Carnival Mastercard ... XXXX with Barclays for a number of years. I pay my bill automatically on the due date in full. For the last couple of months I have seen Purchase Interest Charges and Minimum Charges Fee assessed to my account for no reason. I have filed a Complaint with the company and they are refunding those but it keeps happening. I don't normally watch my card so I am concerned that the Company keeps assessing these charges and I have paid some inadvertently in the past that have not been refunded. This appears to be a pattern and not a one time mistake. I also have a charge of {$1.00} from Carnival Cruise which makes no sense as I have made the required payment. Please look into Barclay 's practices as this seems to be an ongoing issue and it most likely affects thousands of consumers that have no idea of what is going on. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021, XXXX XXXX  and its mortgage team requested a second credit report from a third-party. We were told on the second credit check my spouse had missing information and XXXX XXXX  blamed the credit reporting agencies.m and told me my spouse did not enough credit history. Of course, pretext is possible since my spouse had the better score during the pre qualification stage. The credit score in the first credit check displayed XXXX approximately for her score. 

After many conversations, XXXX XXXX  and its mortgage team reiterated the credit reporting companies are responsible for their errors. However, XXXX XXXX  and its mortgage team also stated multiple times my spouse no longer had a reportable credit score because she lacks credit history. Both statements are mutually exclusive. To muddy the waters even more, XXXX and company stated there is no regulation requiring a settled fixed loan to stay on a credit report ; additionally, XXXX was under no obligation to move foreword with closing the loan because there were no written policies addressing issues similarly related to records retention. Instead, we were denied our first loan application because my spouses credit score discrepancy ( pretext ). After our inquiry, we were discriminated against, including : ignoring our attempt to define policies for records retention related to settled debts; dragging feet when asked to provide answers ; misleading statements about having to go through the credit reporting agencies ; dishonesty and self-serving behaviors ; and retaliating against us when I alleged discrimination against women and for my request for an investigation into possible violations and/or self-serving behaviors. 

XXXX et al. has successfully misdirected the CFPB and myself to accept responsibility for self-serving behaviors and lying about or not creating records retention policies for loans. Ultimately, we are stuck with higher payments and a higher interest rate by more than XXXX points or 0.2 % ; I was forced out of the company for filing a complaint and questioning company practices ; and my personal information was shared with my local branch manager. What can I do? 

Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX I called Captial One to let them know there are unauthorized charges on my account and that I lost my card. So they said that they will reverse the charges and that it will not affect me, that they will credit my account and conduct and investigation and also they will send me a new card. So I receive my new card and upon activating my card online, I see that there is a unauthorized charge of {$33.00}, so I called them back and they told me that I am to pay that amount and then the rest of my fund will be released to me, that they are still conducting the investigation but I would be able to use my funds. I made the payment of {$33.00} and now upon checking account this morning, my account is closed and they are telling me that because I called stating there are unauthorized charges on my account that is why they closed the account and I let them know that I will be filing a complaint with the FTC and the CFPB, while we're on the phone. They are telling me that they are not going to refund the XXXX and the account can not be reopened. This company has done identity theft and violated all of my rights pursuant to 15 USC 1691, 1691 a-f, 15 USC 1681, 1681a-t. I want both my accounts back minus the charges that that I've stated are unauthorized and I want an extension of credit that I wasn't allowed in the status of unlimited credit. Also I started back using my Capital One XXXX card and that card has been closed again without my knowledge and they are trying to say that because I stated there are unauthorized charges on XXXX account that this is their reason for closing both accounts. I am requiring both accounts with unlimited credit benefits. They have violated my 15 USC 1681 for reporting on my credit reports without my written permission and refused to remove the information.
Product: Debt collection

I received a call from Diversified Consultants on XX/XX/18 while at work. The representative informed me that they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I explained I had not been an XXXX XXXX XXXX customer for over a year and did not understand what they were claiming a debt. I explained in order for me to continue with looking into this issue I would need documentation to the debt owed. I requested this documentation be mailed to be. Diversified Consultants failed to follow through with this request. They have since reported to the credit bureaus false information.
Product: Credit reporting or other personal consumer reports

To - LVNV FUNDING LLC XXXX Opened XXXX XXXX XXXX {$430.00} LVNV FUNDING LLC- XXXX XXXX XXXX  {$640.00} LVNV FUNDING LLC - XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account.

Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act.

You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Please supply this or immediately remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Response to Debt Collection Inquiry Dear Discover Executive Office of Customer Advocacy, Thank you for your correspondence regarding my account. I appreciate your attention to this matter. 

However, I must clarify that I am no longer available to pay this debt because it has been classified as cancelled debt. As such, it is my understanding that you can not continue to pursue collection efforts for this account. and stop reporting this debt on my credit report and stop reported this account as disputed. 

Recent correspondence. I would like to clarify that I did not agree to the Cardmember Agreement associated with the account you claimed opened on XX/XX/year>. And that you attached an agreement document on my last complaint which is not an accurate. and I did not agree to those terms and conditions..I Need more details to verify. Again, I did not accept that Agreement " if you do not cancel your Account within 30 days after receiving a Card ''. And, I did not also accept that Agreement " if you or an Authorized User use the Account. 

In light of this, I kindly request that you provide me with validation of this debt, including any documentation statements, account number, log in information, etc, that supports your claims regarding the account and its opening. This information is necessary for me to understand the basis of the debt and to ensure that all records are accurate. 

I request that you cease all collection activities related to this account number XXXX and update your records accordingly. If you require any additional information or documentation to support my position, please let me know. 

Thank you for your understanding, and I look forward to resolving this matter promptly. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chase and removed myself as an authorized user, they told me they removed me yet it still is reflecting on my credit report. 

The primary account holder is responsible and because THEY are late, its reflecting negatively on my credit and ruining my personal credit when I am not responsible for that debt This is in my XXXX  report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im  submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX A 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello I'm writing regarding equifax block that does not allow me to all my 3 reports please review and make it work again
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to erroneous and conflicting reporting of my XXXX funding account and XXXX  XXXX account on two separate credit bureau reports, which impacts my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX is stated as closed on XXXX, yet opened on XXXX XXXX and experian and XXXX  XXXX account is stated as closed on XXXX but opened on XXXX XXXX and Experian. This inconsistency not only confuses creditors but also adversely impacts my credit score, resulting in financial harm. Attached is documentation of these disputes and the differing reports. 

Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Case law, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), underscores the duty of credit reporting agencies to verify disputed information with a higher level of care. Failure to correct discrepancies after notice constitutes a breach of this duty. Furthermore, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), highlights the adverse effects that inaccurate information can have on an individuals creditworthiness and underscores the necessity of accurate reporting. 

This discrepancy amounts to a violation of my rights under the FCRA and causes me undue financial harm. In addition to conflicting reports, the persistence of inaccurate information could mislead prospective creditors and damage my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. DIVERSIFIED CONSULTANT ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company
Product: Mortgage

I paid off a house last year and have an overage paid into escrow and can not get Ocwen to send the overage back to me. I have faxed, e-mailed, many phone calls and sent a registered letter demanding payment it looks as though I may have to take them to court to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX  to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint number XXXX has not been fully addressed. No correction was made to correct my credit score and their explanations are incomplete and border on outright lies. I was never late on the account and they were paid in full. I had a right to ask that the corporate fees I owed were correct and made payments on those fees for 2 months after which I paid them off but still received no additional response. I was given money back which proves I was right when I said I was being over charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$470.00}