23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is in addition to Case number : XXXX received a Letter from Bank of America requesting more time to provide a answer regarding Lender. Not only did I get a Letter requesting more time, I also received a letter about a Loan Modification. I ca n't express enough that there will be no Loan Modification. Why?? Bank of America can not even address America 's Wholesale Lender, A Corporation existing under XXXX Law in 2007. Nor can they address the fact America 's Wholesale Lender " A Corporation '' " A Lender '' does not exist in XXXX and is not a Corporation in other States as well. " America 's Wholesale Lender '' The Lender to the deed of trust and to the Promissory Note is clearly a dba, Trademark Name, or fictitious entity. Problem is, Bank of America wishes me to believe that XXXX is the " Lender '' on behalf of XXXX XXXX Asset Backed Certificates. Trustee and Lender are not the same in this case. Especially when XXXX XXXX XXXX with XXXX has written that XXXX is not a Lender, XXXX does not own Loan or Property. Bank of America knows this is true. Therefore, I ca n't understand why Bank of America would even assume that they can just choose who they want to call out as " The Lender '' My Deed of Trust and Promissory note on XXXX XXXX, 2007 were written as America 's Wholesale Lender " The Lender '' A Corporation under XXXX Law. Bank of America how did you get standing to transfer, assign, convey to XXXX or XXXX? A fictitious entity, assumed name, is not a person, is not a legal business. According to Tax Comptroller of Texas, America 's Wholesale Lender, dba does not even have a Tax ID. OCC states America 's Wholesale Lender a DBA, Banking Commissioner, America 's Wholesale Lender, a dba, XXXX County Clerks office XXXX, Assumed name Certificate America 's Wholesale Lender dba. 
There must be a Rabbit in the Hat somewhere for Bank of America to convey property when the Lender " America 's Wholesale Lender '' is a dba name ( Countrywide Home Loans dba America 's Wholesale Lender ). XXXX denies being Lender, furthermore, I have never entered into any contract with XXXX XXXX. I have no DOT or Promissory Note which calls out XXXX XXXX as my Lender. No more time is allowed. Denied. You have no more time.
Product: Credit reporting or other personal consumer reports

This has been a 2 year ordeal dealing with credit bureaus I have tried numerous times requesting XXXX, TransUnion LLC, and XXXX to update their database because my profile has numerous inaccuracies and they still have not been able to provided a fully detailed credit report with the corrections I requested. I demand that ALL negative remarks be removed from my credit report ASAP. This is a violation of my rights under 15 USC 1681a ( d ) ( 1 ). If this matter is not rectified I will be forced to file a Lawsuit.
Product: Debt collection

Collection is not from original creditor, Ive already tried to fix this problem with the company.
Product: Credit card or prepaid card

My chase credit card was stolen on XX/XX/2020 and used in person ( actual physical chip ) at XXXX near my house to purchase two prepaid visa gift cards. The transaction was not flagged as suspicious despite this not being a typical charge I would make, my card not being signed on the back, and a tall white male using the card whilst I am a female. It is my belief that the card was returned to my possession so as not to alert me that it had been stolen. This tactic worked, because I was none the wiser and used the card several times after this fraudulent transaction. I noticed the charge on my mobile banking app a few days later, and immediately called Chase to report it. I thought at the time, that it had been hacked. They refunded the amount and I thought the case was closed. About one month later, the charge was re-billed. I contacted chase card services and was told that an investigation revealed that it was not fraudulent. I then contacted the merchant through which the charge was made, and they pulled video footage from the date and time the purchase was made. A person who is not me was clearly seen making this transaction. I called the police at that time and made a formal report claiming that my card was used without my consent by this person. I then told the police that I suspected it was a local man with which I had gone to high school with and had known criminal history. The detective assigned to the case informed me that he shared my suspicions and that this person would be charged with theft and identity theft. Chase card services has been nothing but rude and ruthless in their denials of my fraud claims, ultimately ruling five times that this credit card transaction was NOT fraudulent and I am responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report is wrong. 
It contains an account Discover Card Services which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and Discover puts it back on. 
Attached are the dates and case numbers of the contests I have called Discover numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with discover. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my XXXX report. 
I have exhausted my options in communicating with Discover and want this removed from my file.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Student loan

I have attempted to enroll in auto-pay multiple times via EdFinancial 's online portal and received emails from EdFinancial confirming this ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ), but my loans are still not enrolled in auto-pay. 

In an attempt to resolve this, on XX/XX/2023 I submitted a contact form on EdFinancial 's website ( XXXX XXXX XXXX  ) and emailed them at XXXX. 

In my message, I explained that I wanted auto-pay enabled, but was running into issues using the online portal. I specified the loans, the amount I want to auto-pay for each loan, and the last 4 digits of the bank account I have on file that I'd like auto-pay to draw from. In my request, I asked them to confirm receipt of my message, as well as confirm when my loans have successfully been enrolled in auto-pay and I am receiving the 0.25 % discount on my loan interest. 

Additionally, I asked stated that if I did not hear from them in 10 business days that I would file a complaint with the CFPB. 

Those 10 business days have passed and I am submitting this complaint for CFPB review. 

I did receive an email from EdFinancial on XX/XX/2023, but that was in response to a different message I sent on XX/XX/2023, to which I followed up to that message with all the information I provided in my message sent on XX/XX/2023, but have not heard back from that reply.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX and XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.
Product: Credit card

I checked on my capital one spark credit card account portal on XX/XX/XXXX if enrollment for a XXXX XXXX precheck was a rewards benefit for my credit card. It displayed a statement the it was covered. A month later, I called Capital One to verify that it was a covered benefit. The agent told me that a credit would be posted within two billing cycles. Today XX/XX/XXXX I called again and spoke with Capital One customer service. I was told, after a 58 minute conversation that the benefit was not available on my card ALTHOUGH the website indicated that it was a covered benefit. The benefit I expected to receive was for {$78.00}. The agent did not dispute that the web pages indicated coverage, just that the terms and conditions did not include XXXX as a benefit. 

I was convinced that it was a benefit as stated on my credit card rewards online account. I am attaching the web pages in sequence that I navigated the website. It is clearly stated as a benefit there!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently made a complaint against Experian. Now they have added a 7 year fraud alert without my permission. They have denied XXXX XXXX XXXX XXXX and their screening company the ability to do a background Check on me by not lifting fraud alert so that Credit Check and back ground check can be performed. Please contact XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, application number in first attempt XXXX, attempt second time application number is XXXX. Urgent response needed. I spoke with XXXX in Fraud alert for Experian Dept special Services on XXXX at XXXX XXXX. XXXX assured me she would take care of lifting the fraud alert so that verification for XXXX XXXX XXXX XXXX locates on XXXX XXXX XXXX VA could perform back ground check. XXXX has not taken of the matter as of yet. Please assist Urgent!!!! Response needed!
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Debt collection

XXXX claims I had service with them in XXXX but could not give specific dates for me. I did not live at the address when they claimed I had service and I have not used XXXX for phone or internet. 

XXXX XXXX claims I had service from XXXX to XXXX of XXXX but I did not live at the address of serviced listed. I explained to them that I applied for a rental lease and was denied and never lived there. 

XXXX XXXXXXXX claims I had service from XXXX to current but can not and will not provide documentation showing where I requested or started service. This is for an apartment complex I also did not live at.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXXXXXX Balance : {$29000.00}
Product: Student loan

ECMC IS WRONGFULLY REPORTING MY STUDENT LOANS ON MY CREDIT REPORT AND IS REFUSING TO CORRECT THE NEGATIVE STATUS. THESE ARE PAID IN FULL IN GOOD STANDING LOANS BUT REPORTING AS NEGATIVE AND MULTIPLE TIMES HURTING MY CREDIT IN A MAJOR WAY. MY NUMEROUS ATTEMPTS TO CONTACT ECMC WENT INGNORED AND THEY ARE CONTINUING TO WRONGFULLY AND NEGATIVELY REPORT THESE ACCOUNTS! 



1 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 2 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 3 ) ECMC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00} 4 ) ECMC Acct # : XXXX Credit Limit : XXXX XXXX XXXX/XXXX/2016 Date Opened : N/A Balance : {$0.00} Past Due : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXXXXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : CXXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Vehicle loan or lease

I have a car loan with Regional Acceptance. My car was totaled and I have all these fees in excess of my outstanding loan. I have asked multiple times to get a breakdown of what the fees are and they just say interest and other fees. I need to know how much I am being charged daily for the extensions I have as well and they dont have an answer for that either. They are terrible. Worst company ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}
Product: Money transfer, virtual currency, or money service

I noticed a transfer of {$1000.00} to Coinbase which I did not initiate on XX/XX/19. I contacted Coinbase support and they started an investigation and locked down my account. I have contacted them numerous times however they will not respond to my e-mails and when calling in simply tell me to e-mail the attached case. My account has been locked down for two weeks without any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I opened an account with XXXX XXXX Loans for a used ( XXXX ) XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again ( XXXX ) with my wife ( who handles our finances ), and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from XXXX and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by XXXX ) gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Today XX/XX/XXXX I received a bill for {$25.00} from XXXXChase which is already a part of an ongoing previously filed CFPB Compalint filed and still showing as Open and sent to the Creditor within my index of complaints. So I phoned that individual charged with that ongoing investigation at XXXX XXXX XXXX ext - XXXX whereupon I did my best to get either an explanation of this precise amount as not a single bill shows such a purchase for that amount ( {$25.00} ) on any or an unspecified date with an unspecified purchase. There are still two ( 2 ) unresolved disputes previously filed for {$18.00} ( XX/XX/XXXX posted ) and {$22.00} ( posted XX/XX/XXXX ) equaling {$41.00}. I was told that I needed to dispute that sum { {$25.00} } after numerous attempts at explaining to that investigator that I am positive I do not owe that sum and have no reference of such a purchase. I inquired if that sum was a part of his investigation but still can not gain enough insight as to what the fee is for except it has been said it is the difference between what I was previously billed and what is presently owed BUT WAIT there are two continuing UNRESOLVED DISPUTES for a total of {$41.00} to my best knowledge and belief so I contend I am actually owed a reimbursement of the difference between {$41.00} and {$25.00} or {$15.00}. All manner of ridiculous " dispute mechanisms were asserted by Customer Service whom I called after such direction from that Investigator Charged with the prior CFPB investigation, but none made sense and I could not attest to the facts she wished for me to allege as they didn't agree with and were in conflict with the TRUTHs which I again state hereinabove. So if there are pending disputes which " I am not obligated to pay until the conclusion of that investigation '' or " fees plus interest until the completion of that Dispute process '' why am I receiving a Statement demanding payment XX/XX/XXXX? For completely unspecified charges. THIS IS WRONG and a VIOLATION of the FCDRA I refuse to pay the unevidenced claim until such time as an account is provided which reasonably displays why that sum is due and all prior disputed sums either discharged or otherwise eliminated. Statement date is XX/XX/XXXX
Product: Debt collection

According to " FDCPA '' you are required to send me a written notice, with 5 days which you did not, called a " validation notice, '' that tells me the amount you thinks I owe, the name of the creditor, and how to dispute the debt in writing which you did not send and if you think you do please provide me a signed confirmation that I received such letter, if you can not provide this, delete Account Number : XXXX XXXX  from my credit report. It is a major violation of my consumer right per FDCPA