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

Subject : Request for Immediate Removal of Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized inquiries listed on my credit report formally. These inquiries are damaging my credit profile and negatively impacting my ability to purchase a new home. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inquiries that were not authorized by me.

According to the FCRA, specifically : 15 U.S.C. 1681b ( c ) : A credit report inquiry must be permissible under the law and authorized by the consumer.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the information in a consumer report is found to be inaccurate or unverifiable, it must be promptly deleted. 
The following inquiries on my credit report were not authorized by me and should be removed immediately : 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 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 XXXXXX/XX/XXXX I did not initiate these inquiries, nor did I provide explicit consent for these entities to access my credit profile. As such, they are unauthorized and should not appear on my credit report. 

Could you please immediately investigate and remove these inquiries from my credit report? Please provide a written confirmation of the results of your investigation within 30 days, as required by law. 

For your convenience, I have enclosed a copy of my identification and proof of address to facilitate the verification process. 

Thank you for your prompt attention to this matter. Should you require any additional information, please contact me directly at the phone number or email address listed above.
Product: Mortgage

I was denied a fha loan with quicken loans. I believe the reason was descrimination. I meet the income, length of employment, and credit requirements and still was denied. I was told on the phone it was because i didnt make enogh income. Then i received a letter of denial saying it was because of excessive debt.
Product: Student loan

This is Navient, and considering that they have one of the worst scores as a student loan company, it's not surprising. I am enrolled more than half time in school. They argued with me that I wasn't until I guess they were pushed into the wall. They have used my voluntary forbearance and deferment before while I was in school ( for months and months before ), even though I was clearly on the clearinghouse ( I checked ). They are now refusing to clear a late payment even though it was their issue to try to intentionally default the loan. I believe they need to be audited in how they are handling forbearance and deferment. I think they are cheating students out of theirs.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported by XXXX XXXX XXXX on all three of my credit reportsExperian, XXXX, and TransUnion. Specifically, XXXX XXXX XXXX is falsely reporting that my student loan payments were XXXX and XXXX  days late. This information is incorrect and misleading. I have attached a copy of my credit report with the inaccurate entries clearly highlighted for your review. These false late payment notations are seriously damaging my credit profile and must be corrected. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Furthermore, under 1681i, the credit bureaus have an obligation to reinvestigate any disputed information in a timely manner. I respectfully demand that this erroneous information be corrected or removed from all three credit reports and that I receive written confirmation of the investigation results and any corrective actions taken. The ongoing negative impact to my creditworthiness is unjust and requires immediate attention.
Product: Mortgage

I was preapproved by Veterans United in XX/XX/XXXX for {$500000.00}. I asked my loan specialist via email and phone if there was anything else I needed to do. Provided all documentation including my job offer as requested. XXXX never disclosed to me about a rule that future income specified in an offer letter needs to have a start date within 60 days of the closing date. My start date is XX/XX/XXXX. I have received XXXX emails spread over about XXXX weeks from the Veterans XXXXnited Loan Specialist from XXXX through XXXX asking if I had a contracted offer yet. At no time were any additional requirements about future income disclosed to me. I entered into a contract on XX/XX/XXXX with a close date of XX/XX/XXXX. Upon submission of the contract to Veterans United in compliance with their instructions, I was notified by the loan specialist of a rule that they would need a closing date of XX/XX/XXXX to be able to count my future income. They also proceeded to tell me that since my offer is contingent upon me graduating college, I may not get approved. None of this was disclosed to me BEFORE signing a contract AND I was encouraged to pursue signing a contract by the loan specialist. Due to a {$3000.00} earnest money requirement and a time crunch on the inspection requirements, I had spent around {$850.00} on inspections already and had {$3000.00} at risk if I back out of the contract that I sent the same day upon discovery of the rule after checking with my broker as to whether I should or not with this rule. Upon contacting XXXX XXXX, he proceeded to treat me in a patronizing manner and lie to me about where the requirement comes from, lie to me that they had sent my loan up to higher and it was rejected ( he would later contradict himself in the same phone call ), and made my swearing at him the center of the conversation when I finally lost my composure due to him clearly lying and being patronizing. No real solution was offered to me, instead he made a point to check with the VA of the rule, ( I have online and still see no such rule as well as another lender telling my broker the rule doesn't exist on the VA end ). The only focus of the conversation was XXXX XXXX trying to get me to apologize, patronize me, and try to make the situation my fault, despite he and his loan team having a clear omission of substantial facts to me, omission that caused me to enter into a contract.
Product: Mortgage

We had a mortgage with TCF Bank on a property in XXXX Ohio. We paid off the mortgage in XX/XX/2021. We did not receive a " satisfaction of mortgage '' letter and the bank never filed one with XXXX county. TCF Bank merged or was bought by Huntington Bank shortly after that. Now we are trying to sell our property, XXXX XXXX XXXX , XXXX, OH XXXX, but Huntington Bank can not come up with the record that shows we paid off the mortgage and has not issued a satisfaction letter. We can show proof of payment, and they are not disputing our claim, but time is now of the essence and after a week of discussions with various representatives on the phone, we still do not have the letter. TCF bank ( the now defunct bank ) was negligent in not filing the mortgage satisfaction with XXXX county and that responsibility becomes Huntington 's. They should at the very least have a record that we have paid off our mortgage. They are required by law to keep records of TCF Bank. In fact, we have a letter from TCF bank thanking us for paying off our mortgage, but it is not a bona fide " letter of mortgage satisfaction '' and is not accepted by the title company. Plus, since the satisfaction has not been filed with the county the title company has no proof. To clarify : the property is owned by XXXX XXXX XXXX, and the mortgage is under the name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   issued a letter stating they would not remove the account
Product: Debt collection

Navient 's system does not credit overpayments to " overdue '' amounts and fees. In XX/XX/2021, I paid twice the amount the statement stated, expressly for the purpose of paying off any outstanding fees and late charges. Despite this, each month my statement still indicates a delinquency. 
I believe these fees relate back to a previously adjusted account ( due to their error ) and should not even be represented as overdue in the 1st place. 

I attempted to reset the " overpayment '' options in my profile, however- there is not an option to direct any overpayment to outstanding fees. 

In order to " Self Direct '' payment amounts, the system requires the user to enter a bank card into their system to I pay pay bills thru a bunch of confusing line items with no idea of which one will address the late fees and charges. 

While Navient 's response is that their " system is often difficult to understand '', that is insufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote through several letter attempts from XXXX 2020-XXXX 2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. 
Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Product: Checking or savings account

I opened a checking account under a {$300.00} promotional bonus. 

I met the conditions of the bonus, both depositing {$1000.00} and making 10 debit payments within 90 days. The bonus was supposed to have been paid out at the latest on XX/XX/20. 

I waited until around XXXX and messaged and was told that there was no timeframe on the bonus. I called a few weeks later and now was told I didn't qualify for the promotion.
Product: Bank account or service

Citibank heavily advertised a promotion last year by which, if you opened a Citibank checking account and deposited {$15000.00} in new funds ( money not already in a Citibank account ), after XXXX days you would earn a {$400.00} bonus. The bank said the money would be deposited into your account within XXXX days after you satisfied the terms of the offer. So I opened a Citibank checking account, transferred {$15000.00} into it XX/XX/2016, and waited XXXX days plus XXXX days to receive my {$400.00} bonus, which was due XX/XX/2016. It never arrived, despite multiple calls to Citibank, where at least XXXX different representatives have confirmed I am owed this money. They have also informed me : 1 ) An " investigation has been launched '' within Citibank ( presumably to get to the bottom of why the bank is not paying its customers the promised {$400.00} -- thereby tying up our money MONTHS longer than we expected. ) 2 ) Each rep I spoke to " contacted the back office '' to see if they could expedite my {$400.00} payment ... but alas, they could not! But rest assured, Citibank is continuing to investigate itself to get to the bottom of this! What a relief. 
3. I " am not the only customer complaining. '' Yeah, I 'll bet I 'm not. Citibank heavily promoted this offer -- I could n't even log in without seeing this full page {$400.00} offer. And now they 're running an ad for a {$500.00} offer if you open a new savings account. Whoooooooo ... sign me up!
Product: Credit card

I disputed the charge with Chase Bank for returning an item on XX/XX/year> for {$170.00} - XX/XX/year> Chase bank ending up taking out the {$170.00} leaving me in the negative and charging me for overdraft fees. 

I returned a car part and sent it back to FCP XXXX : tracking number is : XXXX using UPSP, the package got there XX/XX/year> and was signed by FCP Euro, they refuse to give me a refund and chase won't reopen the claim.
Product: Checking or savings account

On XX/XX/18 I went to withdraw my XXXX funds in order to deposit them in my BMO Harris checking account to pay my bills. I was using BMO Harris 's ATM. The ATM gave a display of " This transaction could not be completed at this mentioned '' and gave me a receipt stating that it DID give me my cash. 
I then went to BMO staff and explainedy problem. They stated that I needed to file a " charge dispute '' with XXXX XXXX, as if it was like a purchase at some store. I suggested the count the money in the ATM and see there was an excess of {$740.00}. They wouldn't do it. 
In a nutshell, I made a withdrawal at BMO Harris and did not receive my money. Now BMO Harris has my money and I don't.
Product: Debt collection

I have sent numerous of certified mail dating back to  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX   Asking Bank of America to valida te this debt of {$13000.00} that they say I owe. And in validating the made pursuant to the Fair Debt Collecion Practices Act I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Asking them if they can not validate the debt then per the FDCPA they must delete from all credit reporting agencies.  (   Section 807-8 ) Well the y have not complied in the last 10 months of me sending these certified letters that they signed for and still have yet provided me with evidence bearing my signature of validation. Certified Mail  1 )   XXXX   2 )   XXXX   3 )   XXXX   4 )   XXXX . On  XXXX / XXXX / XXXX  I sent   XXXX   a Certified Letter including all of the certified mail receipts and all of my attempts in getting this debt validated. I got a notification that my disputes were completed and pulled my credit report on  XXXX / XXXX / XXXX  and noticed that not only were they not deleted but Bank  of America was   contacted by   XXXX   validating the debt once again without any contract bearing my signature but violated the FDCPA by not marking this debt as "  Disputed ''.  within 30 days. I can simple prove  that Bank of America o we me damages of {$1000.00} per P art 1 FDCPA 808 ( 8 ) I ' ve attached all of my supporting documents including  XXXX  disputed confirmation #  XXXX  Inwhich confirms not only did they not mark it as " Disputed '' but continue to validate the date without any proof.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax due to its failure to address inaccuracies on my credit report despite my efforts to dispute them. On XXXX XXXX XXXX I sent a dispute letter to Equifax, requesting an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I did not receive a response from Equifax with investigation results. The Fair Credit Reporting Act ( FCRA ) stipulates that if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is apparent that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act. Enclosed, please find a copy of my dispute letter sent to Equifax as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Regarding fraudulent practices of Selene Finance LP company Multiple fraudulent transactions have been taken place starting from XX/XX/XXXX. Upon inquiries and endless investigations, multiple entities claim mortgage rights to the property at the same time. 

Please see background history below : Primary and secondary mortgage was obtained on a one bedroom apartment in XX/XX/XXXX from XXXX XXXX. All payments were sent to XXXX in a timely fashion every month. On XX/XX/XXXX, XXXX has refunded a payment of {$1500.00} for a primary mortgage while accepting a monthly payment of {$200.00} on a secondary mortgage. 
Subsequently, an unknown company, XXXX, has initiated their demands for a payment of over {$20000.00} on the account stating that they are legally authorized to do so. 
XXXX has failed to provide : *promissory note *security deed *registered assignment Upon contacting XXXX County Registry Office , no documents were filed by XXXX certifying the requirement for all transactions to be recorded. 

Shortly thereafter, an unknown company, Selene Finance LP, has initiated their demands for a payment of over {$30000.00} on the account, also stating they are legally authorized to do so. 

Selene Finance LP has also failed to provide : *promissory note *security deed *registered assignment Further research showed that Selene Finance LP is not listed on the registered assignment with XXXX County property registry . 

Further research showed that XXXX and Selene Finance LP have involved in multiple class action lawsuits, CFPB investigation and debt collection fraud cases. 

Please investigate. 


PS : upon recent search history of XXXX County, XXXX NY registry on the property, Selene Finance LP is not a registered party and has no right to collect the debt.
Product: Debt collection

Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that SUN LOAN COMPANY XXXX XXXXXXXX is misreporting accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, they have a grave responsibility of maintaining the accuracy of that information. The following account SUN LOAN COMPANY # XXXX XXXX is reporting a balance of XXXX when it is my understanding an reason to believe that because this debt was charged off by XXXX XXXX that is was memorialized with a Form 1099C as proof or evidence thereof. And that this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file.
Product: Vehicle loan or lease

GM Financial is an account that has been closed on my credit report sinceXX/XX/XXXX. It is now reporting late payments inXX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. Again, this account was paid in full in XX/XX/XXXX.
Product: Debt collection

As most people are I was odviously out of sorts when they rushed me to XXXX in a XXXX   XXXX after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX  Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did as I was directed to do by XXXX California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.
Product: Checking or savings account

On XXXX XXXX my account was hacked on chime and XXXX XXXX was fraudulently transferred out of my account. I have proof that my account was logged into from another source as well as in a different area from where I reside as well as proof that changes were made to the account after being hacked into including my phone number being removed and replaced from the account. My account was also tried to be hacked into again which also have proof of resulting in a hold on the account that took about 2 weeks to resolve and get reopened. Even after providing this amount of evidence Chime bank ( XXXX XXXX  ) has denied my claim multiple times for the funds to be returned to my account. They are also in violation of regulation e as I asked for a determination letter of how my claim was concluded and no information of the location of where the transaction took place, or type of transaction was included in the determination which is a clear violation of the regulation. I am requesting help for the money I lost to fraud to be returned back to my account as this had been a very long, difficult and frustrating process
Product: Debt collection

This is a 3rd party debt originated from XXXX XXXX XXXX for equipment not being return. Equipment has been return to XXXX XXXX XXXX and it's been almost a year without an update to my credit report. This debt is no longer valid. Please remove or provide proof of debt and compliance.
Product: Debt collection

will I'd themselves. told stop call send mail. they will not id themself and ask for address verification immediately. I hv to hang up on them. threatened to sue etc. years this has been happening. block their no. and another no. will call thru with same tactic to verify personal info. always live person, mostly female voice.