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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} - Late/Closed XXXX XXXX XXXX XXXXy Date Filed/ Reported : XX/XX/XXXX Reference # : XXXX Public record-v.n Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have multiple questions about my loans, XXXX, and my XXXX  application and can not get ahold of Mohela. I have sent them multiple messages and the responses are boilerplate responses that don't answer my questions. I have called multiple times in the past week and been on hold in excess of XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau po box 27170 Washington, DC 20529-7170 Subject : Request for Assistance Under 15 USC 1681c-2 ( a ) Due to Identity Theft Resulting from Equifax Data Breach Dear CFPB Team , I am writing to seek your assistance as I am a victim of identity theft that occurred due to the Equifax data breach. As a result of this breach, my personal information was compromised. I am experiencing difficulties in exercising my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which allows consumers to block fraudulent information from their credit reports. I have made multiple attempts to contact the credit reporting agencies to request the blocking of this fraudulent information, as mandated by law. Unfortunately, I have faced challenges in ensuring that my requests are properly acted upon. I have filed identity theft reports with the Federal Trade Commission ( FTC ) regarding this matter, and my report numbers are as follows : - FTC Report # XXXX - FTC Report # XXXX - FTC Report # XXXX Given the circumstances, I kindly request your assistance in ensuring that my rights under the FCRA are upheld and that the fraudulent information resulting from this identity theft is blocked and deleted from my credit report as required by law. Thank you for your attention to this matter. I appreciate your prompt assistance and look forward to your response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not XXXX percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not XXXX percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX Account XXXX XXXX 15 U.S.C 1681section 602A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit reporting or other personal consumer reports

The Department of Education/Student Loans has been cancelled. Therefore, the stated balance is incorrect and should be reported as {$0.00}. I also, have had problems accessing the TU credit report that is under my name and have been met with a continuous barrage of password changes and re-creations of an account that already exists.Therefore, I can not gain access to further dispute these facts.
Product: Debt collection

I have disputed with this creditor in XX/XX/23 I request bank transaction of proof that was late the creditor never sent the proof it 30 over days to perform investigation theyre age my account the didnt verify the date last active the failed to to an update the creditor has illegally reaged my date late active from XXXX transUnion is missing date last active is unverifiable TransUnion failed to do update my account and to proper investigation the creditors last reported on my account XXXX even though my last dispute XX/XX/23 today XXXX I have not received a update or re investigation from the creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email from Bank of America in response to my previous claim. In the mail has been stated to call this number before the XXXX of XXXX to speak with miss XXXX, I called multiple time avery day during the whole week and every time what I get is a Voice note. I LEFT A VOICE MESSAGE WITH MY NAME AND PHONE NUMBER AND TILL THIS DAY NO ONE HAS CONTACTED ME.
Product: Debt collection

This collection is due to a breach of contract with a former landlord. It was agreed upon both parties to end the contract due to inhabitable living conditions ( broken windows, roach infestation, unprofessional intoxicated under the influence maintenance ). It was agreed upon both parties to end the contract and I was sent to collections afterwards without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXXXXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXXXXXX XXXX : ACCOUNT # XXXX & XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me, XXXX XXXX then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Vehicle loan or lease

My online bank account was blocked from making payments due to it being in bankruptcy status. On XX/XX/2023 my vehicle was repossessed by the bank without notice and when asked to make a payment to pick it up I was told I needed to use certified funds, at which point the agent stated a debit card would be certified funds and a release would be sent once payment was received. I called the company holding the vehicle whos information was provided at time of payment by Wells Fargo, and they stated in the afternoon of the XXXX that usually discharge paperwork is sent a lot sooner. I called Wells Fargo again and was told that it can take up to 48 business hours that they were behind and I needed to wait. This morning I called to check on the status and was told that a debit card payment doesnt apply instantly like certified funds would and the 48 hours started today, also proceeded to provide credit counseling about how Im making my payments. Ill call back tomorrow to try to pick up my car again but it seems like Im getting the runaround, especially because every day that its in repossession Im subject to the tow company keeping any personal property in my vehicle.
Product: Vehicle loan or lease

XXXX XXXX bought bmw financial serives na llc was not the company i bought vehicle they stated to irs that XXXX was a canceled payment that was not charged to me the truck white was repossesed and now they refuse to send a XXXX because i cant verify the phone number. but my social security number was and address but since XXXX i no longer have that phone number. So i need XXXX or i will not get income tax for the report they submit it to irs.
Product: Debt collection

I was contacted by XXXX XXXX XXXX to collect a debt from a Walmart credit card account. Once the women, I believe her name was XXXX, got me on the phone she asked if I was ( gave a name ) and I responded yes. She then proceeded to ask if this was the last four digits of my social security number and I told her she could not just give out the last four digits of peoples social security number. She had every right to ask me to provide mine but could not just tell me the last four digits of the social listed on the account. She became very aggressive and insisted that she could do this and continued to do so until I agreed that it was my social. And then she proceeded to take the same steps with the address on the account. If she had called the wrong number she would have given that person my name, last four of my social security number and my address. Everything someone would need to start stealing my identity. This company is putting people at a very high risk for identity fraud and something needs to be done to stop it!!
Product: Checking or savings account

On XX/XX/2020, my checking and savings accounts were closed with no prior notice. Some autopay transactions were denied so I attempted to log in to the Chase mobile app, however, I received a message saying my account was locked to protect it from suspicious activity. I immediately called Chase to find out what was happening. The phone agent told me that Chase has decided to end their relationship with me and closed my accounts. The phone agent refused to provide me with any reason for the actions taken and state that they did not have to provide me with a reason. The next day, XX/XX/2020, I contacted Chase again to inquire about receiving the balance of the accounts to transfer to a new bank. The phone agent said that they would send a check out in 10 business days. I explained to the phone agent that this was unacceptable as they had all of my money locked in this closed account and I would need to pay bills sooner than the check would arrive. I asked to speak with a supervisor and was transferred to one. The supervisor stated that they could not explain or provide any reason for the closing of the accounts and my only option was to wait for the check to arrive. I asked for a statement or a way to see what transactions were cleared and what would be denied. The supervisor said they can not provide any information about the accounts and I would receive a statement with the check. I explained to the supervisor how I was unable to cover my living expenses due to all my funds being locked I the accounts. They said they could make and exception and I could go to a branch near me to pick up a cashiers check for my remaining balance. I told the supervisor that the nearest branch is a few hours away and I would need to work that out. I then called back on XX/XX/XXXX to arrange the pickup of the check at the closest branch. The phone agents informed me that the previous supervisor I spoke to did not enter the information about picking up a check from a branch into the notes and that they would not be honoring that option. They stated my only option was to continue to wait for the check. It has now been a week since my account was closed and still have no access to my money or any explanation as to why the accounts were abruptly closed without notice. I now have bills that are becoming past due accumulating late fees and potential negative impact to my credit.
Product: Money transfer, virtual currency, or money service

My phone was hacked very bad. The hacker got into my Social Security XXXX online and has changed my password and my direct deposit to his direct deposit.
Product: Mortgage

In XXXX, XXXX I applied for and was approved for an FHA Mortgage through Regions Bank/Mortgage. At the time of application, and at the closing I was told that after 5 years of paying the PMI/FHA Insurance, and no late payments that amount would be dropped from my payment, thereby reducing my monthly mortgage payment. There has never been a late payment. Each payment has been made on-time. 

Last year ( at the 5 year mark ) I contacted Regions Mortgage Department about removal of the PMI/FHA Insurance charge on my monthly payment. They agreed and said they would look into it. They came back and said - That is correct that after 5 years the PMI/FHA Insurance could be removed ; however, the balance of the mortgage required to removed the insurance would not be reached until the year like XXXX. Not only is this upsetting, it is fraudulent and deceptive. 

If that 's the case they are leading people by a deceptive and corrupt practice by telling them the PMI Interest will drop off after 5 years ; when they are the ones generating the amortization tables and they know that balance would not be reach for another 3 to 4 years. I have contacted them numerous times about this and each time the tone is deceptive and misleading. Personally I would like to begin a class action law suit. 

I have contacted them multiple times over the last year asking them to continue to send me paper statements via USPS. They have yet to do that. 

Your help in resolving this deceptive practice for both myself and other customers is greatly appreciated.
Product: Mortgage

In XX/XX/XXXX Selene Finance approved me to start the modification process by paying {$1000.00} per month. I made on time payments for the month ofXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Selene sent me a letter datedXX/XX/XXXX that my XX/XX/XXXX payment is being returned as the payment is less than the amount required to cure the default on your loan. So I called the Loan Resolution Department and they stated that I would need to pay 3 months of payments. It was not clearly communicated what would happen to my home. The Loan Resolution representative I spoke to on XX/XX/XXXX left me not knowing the outcome, but stated he would send out the modification paperwork to me. But as of today XX/XX/XXXX I have not received. Please look into this matter as soon as possible. I am a XXXX of 1 year ago and the added stress is not good for my health.. 

My second complaint is on my mortgage history datedXX/XX/XXXX there is a large ( which appears to be a second  mortgage ). have not refinanced my home at all. Please have Selene explain where this originated. 

Thank you for your timely response.
Product: Credit card or prepaid card

Someone open a capital one credit card using my personal identity information in XX/XX/2016 the credit limit amount were Total of {$3000.00} They also open many other bank cards and bank accountS under my name using my identity online. I became aware of everything until one day I got a fraud alert from my bank stated to verify my identity after someone made an attempt to use my bank card for {$750.00} I immediately call the bank and got my card cancel. I went into my bank the very next day to find out the imposters stole several XXXX of dollars making fake checks under my bank account. That day was like the most violated day in my life to known someone who is not you is pretend to be you while benefiting from it. Now this is not just XXXX case after I became aware of my bank I decided to look into my credit profile and this is where I find out a few cards that were open under my name and many inquiries on my credit profile. I begin to call those companies to discuss what had happen to me and begin to clear my name and believe me I am still fighting until this day I am still fighting to clear my name and get back my identity this report is for those company whos allowing these crooks to get away with stolen identity and refuse to help their victims. I am reporting capital one company the only company who till this day do not want to remove their fraudulent card off my credit profile despite being a member of their product to rebuilt my life and credit all over again
Product: Prepaid card

I have tried to use Amex Gift card at multiple locations online -- the virtual card states that it can not be used in physical stores. It failed at XXXX ( where I really wanted to use it ) and when I called Amex customer service they told me that XXXX does not accept so I should use it on XXXX. I did not want anything at XXXX but tried anyway. It was also declined there in spite of sufficient funds. 

Very frustrating experience and card feels unusable for me to purchase any items that I want -- in addition they have started substracting $ XXXXmonth from the balance so there is urgency to use it.
Product: Debt collection

This company continues to report negatively on my credit after disputing numerous times that I have no relation to them or the company they represent. When I tried to speak with them they say it's my responsibility to prove the debt is not mine. I have disputed this for sometime now and the company is not listening. They have not been able to provide proof of this debt and they need to verify their information with their client,
Product: Debt collection

I believed that all of my payday loans were paid. I have not received any information regarding this debt from XXXX XXXX XXXX. I spoke with a man from XXXX XXXX, after an electronic phone message was left on my coworkers phone. I called the number listed in the message ( XXXX ), and they had no record of me. I then called the number that left the message ( XXXX ), and he said he was from XXXX XXXX, and that he was trying to to collect on a debt from XXXX XXXX XXXX. I asked him for written verification and the address where the alleged written communication was sent. He stated that it was to an address that I have not lived at since XX/XX/2011. He stated that he did not have any documentation and that I needed to set up payment arrangements. When I asked how I could get some type of documentation, he said, " ok since you are not willing to pay, I will forward your case to the court and you can wait to be served by them. '' I looked up the company, XXXX, and the contact information is wrong.
Product: Checking or savings account

I fraudulently had {$5000.00} transferred out of my account to another Chime account holder on XX/XX/XXXX. I have completed the following steps : Filed a dispute, changed my account and all other account passwords, put a credit freeze with all three credit bureaus, put in a fraud alert with all three bureaus, filed a police report, submitted screenshots, documentation of fraudulent activity, submitted proof of data breach of my personal information, spoke with dispute manager at Chime with my Identity Theft Insurance Agent. My first dispute was denied in less than XXXX hours. The second one was denied within XXXX  days. They have yet to send me the requested documents that they used to decide the denial of this dispute.