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

CFPB, XXXX XXXX XXXX and Transunion I am sending you this notice to formally let you know I'm not paying you a XXXXXXXX XXXX I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX  XXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. Transunion barely responds and XXXX spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXXXXXX XXXX  from me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX FINANCE 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 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 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

I am writing in response to your notice about an alleged debt : SOURCE RECEIVABLES M XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE INQUIRES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  inquires with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Credit card or prepaid card

In XXXX XXXX, the correspondent re-financed his house. Using equity from the interchange, the correspondent asked XXXX XXXX XXXX XXXX ( the escrow company ) to pay off his Citibank account in the amount of {$31000.00}. A first check was sent in XXXX XXXX. As this check was not cashed within thirty days, the correspondent asked the escrow company is cancel that check and re-issue another check. The second check was sent using XXXX or similar courier on or about XXXX XXXX XXXX. That check was cashed and deposited by Citibank on or about XXXX XXXX XXXX. 

The correspondent started checking his Citibank for the deposit for thirty days. When the deposit was not forthcoming, the correspondent then had a phone conversation with Citibank Payment Investigations. The resultant fax ( XXXX ) was sent XXXX XXXX XXXX. 

Subsequent digital and physical mail communications with Citibank indicate that the deposit was made in an incorrect account ( XXXX ). A subsequent digital communication indicted that the correspondent should ignore the letter sent on XXXX/XXXX/XXXX or words to that effect. 

After repeated efforts on the part of the correspondent to rectify this situation and with full and complete disclosure of all attached information, Citibank has refused to continue to communicate regarding this issue. 

The correspondent has continued to pay the monthly payments on the account to ensure the good state of his credit record. 

XXXX Original correspondence with Citibank regarding the paid off account dated XXXX XXXX XXXX includes ; a copy of the source check from escrow company and deposited check from Citibank. 

XXXX Copy of digital correspondence on XXXX XXXX XXXX where Citibank tells that they inadvertently deposited the check into the account of XXXX XXXX. 

Correspondence1 Correspondence2 A collection of the digital correspondence between XXXX and Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a very unprofessional fast talking representative today. He wasnt helpful at all and when I informed that I no longer wished to proceed with the credit repair process he got upset, and said that I would have to speak with my paralegal, whom I dont know nor who that is and he hung up the phone. The email address that I have for this representative is XXXX. I will be reporting this company to the media.
Product: Money transfer, virtual currency, or money service

Robinhood locked my account XXXX has stop my transactions between them Robinhood hasnt unlocked my account for some reason need to file something to let my account to be lifted by robinhood nothing to do with XXXX banking
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to delete the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The co-borrower and I have requested in 2 separate official occurrences to have escrow payments removed per being under 80 % LTV on the property. We have been denied twice, elevated to some level of management per the last submittal to remove escrow ( for a 3rd attempt, recently denied ). The first occurrence was denied due to not having an in-house appraisal on file ... This was erroneous as they just ordered an in-house appraisal to remove PMI insurance due to being under their requirement of 80 % LTV. Which was approved in XXXX of XXXX. The in-house appraisal order by PennyMac had a confirmed appraised value $ XXXX, currently mortgage balance of {$150000.00}, subsequently placing current LTV at 66.8 %. Thus, we submitted again ( 2 attempt ) to be denied again and elevated to management per our request as stated in the aforementioned for the 3rd review. We then were denied essentially a 3rd time as it was conveyed because the mortgage is deemed an investor mortgage and as a result, the original purchased price ( $ XXXX ) has to be used. Current LTV would then be placed at 85.9 % based on using the original purchase price. Hence, per their opinion, the mortgage and home value ( original purchase price of $ XXXX ) would not result in the removal of escrow payments, given the LTV guideline to remove escrow payments related to the perpetual requirement of paying one 's required real estate taxes for the borrower has not been met. My concern is their policy is not congruent with previous policy requirements. As they used the new appraised value to remove PMI but not for escrow. Certainly, feels egregious and not client friendly nor consist with one 's own policy, PennyMac 's policy to be clear ; to assess and opine on a tangible market value across their portfolio for various mark to market requirements/governance.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$5200.00}. 

By not replying in a timely manner to my initial letter on XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 

I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

Quality Loan Service Corporation - has no record of bankruptcy stay and or proceedings from XXXX or XXXX QLS received information after complaint filed XXXX -which raised more questions QLS - email provided in XXXX makes no mention of bankruptcy stay, notices or correspondence to or from any bankruptcy proceedings ( attorney etc ) QLS has not provided any documents correspondence with XXXX or XXXX - stating to proceed with foreclosure XXXX was out of business in XXXX according to SEC noticed I received - the request would have had to come form XXXX After QLS response raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid-no notary negligence The Trustee Deed Upon Sale as not being valid-notary obligation not meet-notary negligence QLS - stated below in email someone instructed them to foreclose while I was in bankruptcy stay- Who? and what date? and where is the letter? 
I am also forwarding information to bankruptcy fraud and all appropriate agencies Here is what Quality Loan Servicing emailed on XXXX XXXX, XXXX prior to massive research and discovery. 
It disappointing when a homeowner in trust agencies and people when signing the agreement. The trustee is to be neutral for all parties involved. QLS has stated very personal comments instead of assisting to correct its errors, and mistakes. 

XXXX XXXX, Quality was the trustee and therefore does not now and has never been in possession of your original Deed of Trust or Promissory Note. We do have a copy of the Deed of Trust, which I have attached for your review. As you can see, the original beneficiary of your Deed of Trust was XXXX XXXX Bank, XXXX. I have also attached a copy of the Assignment of Deed of Trust, by which XXXX XXXX assigned your Deed of Trust to XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. The assignment was done on XXXX XXXX, XXXX. 

Also on XXXX XXXX, XXXX, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust substituted Quality as trustee, as indicated by the attached Substitution of Trustee. 

Quality processed the foreclosure and held a sale on XXXX XXXX, XXXX and the property reverted to the beneficiary, XXXX Bank XXXX as trustee for XXXX Mortgage Pass-Through Certificates Series XXXX Trust. However, Quality was thereafter instructed by the beneficiary to rescind that sale, so it recorded a Notice of Rescission of Trustee 's Deed Upon Sale on XXXX XXXX, XXXX. Both of these documents are attached for your review. 

Quality thereafter was instructed to re-notice the sale and proceed with the foreclosure, which it did on XXXX XXXX, XXXX. By that time, XXXX XXXX XXXX, NA had merged with XXXX, which is why the Trustee 's Deed states that the property was conveyed to XXXX XXXX XXXX, XXXX XXXX as successor by merger to XXXX as trustee for XXXX XXXX. 

I have reviewed your foreclosure file and do not see any defects in the foreclosure process. Although Quality does not maintain a copy of the Note in its file, I acquired a copy of your Note from the lender, which I have attached for your review. 

My XXXX Number is XXXX.
Product: Credit card or prepaid card

I had tried using chase credit card to purchase something from XXXX, but when I got the order the sunglasses what I ordered did not look brand new and was pretty evident it was used where as the description on the site said new! 
I called up XXXX and they said return the product and we will issue a refund.The sunglasses were returned back and now XXXX says they will issue me a store credit forcing me to buy something from them where as, I as a customer dont want to buy anything from XXXX as I feel their products are not as per the mark they advertise on the website. 
I disputed the charge with chase asking them to get the money back on my credit card and I dont need a store credit as the customer service rep from XXXX informed me the money would be refunded.
Product: Credit reporting

the bankruptcy on my credit report for Experian and XXXX is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

This is my new complaint addressing the issue of incorrect credit reporting. I am submitting to dispute the inquiries listed in my file, which stem from this issue. The inquiries in question are not related to any transactions involving the acquisition of goods, services, or money that I have initiated or authorized. Therefore, I request that you remove these inquiries from my credit file as they are a result of erroneous credit report entries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. These inquiries are unfamiliar to me. Additionally, the information regarding these inquiries has been deleted by other bureaus, raising doubts about their accuracy. The reported history date on these inquiries is also unclear to me. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items that were opened without my knowledge, consent, or authority within four business days upon receiving ( 1 ) appropriate proof of my identity, ( 2 ) a copy of an identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transactions conducted by me.
Product: Student loan

XXXX attended XXXX College between XX/XX/XXXX and XX/XX/XXXX while he was in the XXXX. He reached out to the university via email, which told him that his XXXX XXXX XXXX would cover tuition. After enrollment, XXXX told him that his XXXX XXXX would not cover tuition, and that he had to take out federal loans. XXXX took out loans to cover tuition. XXXX encouraged XXXX to take out private loans as well, claiming the federal loans were insufficient to cover tuition. XXXX also presented a private loan as a refund to XXXX, who was unaware he would owe student loans by accepting the so-called refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter to have to inaccurate and fraudulent information removed from my credit report. I has been well over 30 days and nothing has been done about it. They sent me back a letter saying they don't believe it was me who sent in the letter.
Product: Credit card or prepaid card

Hello ... .My name is  XXXX   XXXX   .  I live at  XXXX   XXXX   XXXX   XXXX  Ma.  XXXX . I have a complaint regarding th e Sears branch of Citibank credit  card. The bank has been holding back checks that have been sent to them for payment that have been well within the due date and thus the next bill has late fees and fines. This happens continuously so that the consumer never has a chance to " catch up '' the fees just continue and the balance actually grows. I have always been a good customer of Sears for the las t thirty years  and had never encountered a problem like this until recently. I thought it may be an isolated issue but after speaking with my husband who has his own credit card account with them have come to find that he has been having the same problem. I did some online research and found hundreds of very similar complaints from other customers. Because of this behavior on their part, I am paying off the entire balance in full via certified letter so that I will have proof that they received the last payment well within the due date. My request of you is that someone in your office please do some research regarding the aforementioned complaint and any other complaints that you may have received about Sears credit card. What they are doing maybe legal but in no way is it ethical. I do n't think it should be allowed as I may be lucky enough to have the monetary resources to rid myself of them but others without the financial ability to do so are basically enslaved by them in a " company store '' manner. This type of a financial con game is completely and utterly unacceptable in this day and age.     Sincerely,  XXXX   XXXX