23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be d/b/a/ XXXX consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that Client Services , Inc.. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Client Services Inc In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX  the consumer is disputing this debt, Client Services LLC. You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

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

Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX  finally removed the accounts, EXPERIAN and XXXX  failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.
Product: Checking or savings account

I used the Huntington Bank online bill pay portal on XX/XX/2023 to make a {$1000.00} payment for flood insurance. Shortly after the date when the flood insurance payment was due I received a notice from the insurance company XXXX XXXX XXXX XXXX that the flood insurance policy was cancelled for non-payment. When I contacted XXXX they said the payment was never received. I then contacted Huntington Bank and they conducted an investigation. 

On XX/XX/2023 after the investigation Huntington provided me with a one page transaction report that included little information about the payment Huntington claims it sent. I provided the transition report to XXXX and they said the transaction report provided no useful information for them to be able to track the payment and they maintained that the never received the payment. 

I requested that Huntington provide me with either the cashed check they sent to XXXX or the electronic transfer information including the bank, routing number and account number for where Huntington sent the electronic payment. Huntington refuses to supply this information. Huntington also said they would credit my account for the {$1000.00} while the dispute was ongoing, but they failed to do so. I have now had to purchase another flood insurance policy at a higher cost. That policy will not take effect until XX/XX/2023. The house that is insured by the flood insurance policy is a Florida coastal house that is within 300 yards from the ocean, so the home will be exposed to possible flood damage without flood insurance for another month.
Product: Mortgage

Since late XXXX early XXXX I have been attempting to refinance my mortgage. In the beginning of this process I was getting communication from American Financing and then it started getting increasingly hard to get a hold of the loan processor or the underwriter to find out the status of my loan. I have been told XXXX different timelines of when I can close my loan, the last was supposed to be XX/XX/2021. I was also told not to pay my mortgage for XXXX and XXXX however I am getting late notices which is not only showing me that the process isn't started still but this going to affect my credit based on what my loan processor XXXX XXXX told me.
Product: Student loan

I requested a refund from EdFinancial for all of my payments made during the XXXX payment pause. XX/XX/XXXX {$18000.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} They told me they will submit the request. On XX/XX/XXXX I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. I have spoken with EdFinancial On XX/XX/XXXX and XX/XX/XXXX, on both occasions the agents told me that my refund request has been denied because the payment was made by a third party consolidator. I have filed a complaint on CFPB ( XXXX ) that was closed today by EdFinancial with the same information, they are unable to refund consolidation payments. 

I did not consolidate my federal student loan during the payment pause. I had a third party payoff the balance of my loan. 

EdFinancial states : " You may view more information about the XXXX XXXX at https : XXXX ''. It clearly says on that link that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' It does not state clearly anywhere on that website that a payment made during the payment pause from a third party consolidator, third party refinancer, or third party <fill in the XXXX can not be refunded. EdFinancial is not adhering to the guidance published by U.S. Department XXXX XXXX XXXX XXXX XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters to all 3 credit bureaus on XX/XX/XXXX regarding inaccurate and unknown information on my credit report. I began sending letters to these companies back in XX/XX/XXXX and it's been 85 days with no resolution from them. Again, I feel like my disputes are being ignored and I'm still being taken advantage of. Based on the FDCPA, 15 U.S.C. 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted because I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion, XXXX  and XXXX Credit Files 1. XXXXXXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  Transunion and XXXX Credit Files 4. XXXX 5. XXXX XXXX XXXX  and XXXX Credit Files 6. XXXX XXXXXXXX XXXX 7. XXXX XXXX XXXX Credit File 8. XXXX XXXX XXXX XXXX  Credit File 9. U S DEPARTMENT OF EDU XXXX Transunion Credit File 10. XXXX XXXX XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX 2020, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires that are not authorized by me on my credit report
Product: Vehicle loan or lease

Original tires with XXXX miles or 5 years warranty was driven for XXXX miles and GM Financial is charging me {$1100.00} for 4 new tires. 
Contract agreement was XXXX miles and tire must be faulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting fraudulent activity on my consumer report. I will attach a copy please remove this accounts that I'm not aware of. I don't recognize this business nor have I made any contract with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX pulled my consumer report on XX/XX/2023 and noticed Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove I will sanction legal action for remedy.

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA In major accordance with the Fair Credit Reporting Act. The accounts that I have listed below has disgracefully violated the Credit repair consumer rights that are legally mine via the United States Government. These accounts have violated my constitutional right ( 15 USC 1681 ) due to its invasion of my privacy and confidentiality. 

I have for a numerous amount of my time disputed these accounts via XXXX, XXXX, and Equifax : I request documentation as well from these companies stating the information that is being reported to the credit bureaus because I am not aware of these accounts nor have I received documentation. 

Charged Accounts Reported Inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HARD Inquires I do not recognize and didnt apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL INCORRECT AND SHOULD BE REMOVED I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX I ask that these incorrect addresses are removed as well
Product: Checking or savings account

Your company ( CHIME FINANCIAL INC ) ( CHIME MOBILE BANKING ) ROBs me of MY MONEY, I've called on many MANY OCCASIONS to RE-GAIN access to my account n NOTHING. I've been TOLD MY ACCOUNT WAS CLOSED DUE TO FRAUDULENT ACTIVITIES. I've asked for a FULL PRINT OUT of my activities from XX/XX/XXXX to XX/XX/XXXX it's been almost 4 weeks I have NOT received ANYTHING FROM UR BUSINESS. ALL MY DISPUTES WERE DENIED LESS THEN 24 HRS AFTER I CALLED. HAVING TO START FROM THE BEGINNING LIKE 8 TIMES, CAUSE THE REPRESENTATIVES WOULD DISCONNECT THE CALL. So everytime I called back I WAS NO CLOSER TO GETTIN THIS SITUATION RESOLVED. Not only was my disputes DENIED LESS then 24hrs later. I have yet to recieve ANY of my REQUESTED statements from XXXX XXXX to XXXX. XXXX. My account is CLOSING XX/XX/XXXX for reasons UNKNOWN to me XXXX NOW THIS... VERY FUNNY DISRESPECT? The FACT that there was MONEY in my account in XX/XX/XXXX here it is XXXX XXXX I GET ACCESS TO MY ACCOUNT THERES NO MONEY IN MY CHECKING, SAVINGS or CREDIT BUILDER ACCOUNTS. A TRANSFER OF XXXX XXXX XXXX was made OUT OF MY ACCOUNT, TO WHERE? UNKNOWN!!! NO LEDGER OR ACCOUNT ACTIVITY STATEMENT HAS BEEN SENT TO ME AS I REQUESTED... NOW THATS DISRESPECTFUL CONDUCT. NO ONE FROM YOUR BUSINESS HAS ATTEMPTED TO RESOLVE THIS. IM NOT WHAT THE NEXT STEP TO THIS WOULD BE. BUT HARASSMENT?! NOT IN THE LEAST I WOULD APPRECIATE N ANSWER BACK ON THIS DISRESPECTFUL CONDUCT. 
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Product: Checking or savings account

As a visiting XXXX, I have arrived in the United States on XX/XX/XXXX. Now I have legal status in the United States.On XX/XX/XXXX, I apply for a debit card of citi bank as my salary card. Citi bank locked my debit card from XX/XX/XXXX until now. I can't use this debit card for any payment. I urgently need to pay the rent now. 
This afternoon, I went to Citi bank ask for help. The staff told me only make phone call to solve this problem. From XXXX, I made several calls. They said I should provide verification information.I told them my US mobile phone number. They said this number is invalid.But the XXXX mobile phone number can not be reached. XXXX phone number was used when I create account. When I got a US mobile phone number, The bank staff updated my contact information. So there are two phone numbers registration. At last, they said that I can not provide valid verification information, I ask valid verification information refers to which, why US mobile phone number is invalid.They don't answerOnly repeat I should provide valid verification information.
Product: Debt collection

About 5 months ago I received a call from XXXX credit saying that I owe {$600.00} and they were a debt collector. I told them I do n't know that company and it seems like if I owe money to some creditor I would be getting bills for it and I never have. She wanted my bank info which I refused to give. She said I would be sued if I did n't pay. I asked for their address and told her to send me documents to prove I owe it. And if I see that I did I would send a money order. She said they could n't do that and I would hear from their lawyer. Well I looked up XXXX XXXX and saw a bunch of complaints and saying they are scammers. So I did n't worry about it. Well today I was left a recorded message that said this call is from Eaton Group Attorney 's and this call is from a debt collector for me to call back. Which I did n't yet. Should n't they show me proof that I owe this. I have no recollection of owing money to this company. I 'm not even sure if Eaton Group Attorney is talking about XXXX XXXX. ( For the question " Which of these best describes you issue ''? The answer is just that they threaten to sue me not that it 's an old debt because I have no idea what it is. ) Thank you
Product: Mortgage

I sold my residential property with the closing taking place on XX/XX/19. I provided a forwarding address for my mortgage lender, Suntrust Mortgage, to send me the funds accumulated in my escrow account. I never received the funds, so on XX/XX/19 I called Suntrust and was told a check had been mailed to me at my old address -- the property I had sold. I was told they would stop payment on that check and send me another, and that it could take up to ten business days. On XX/XX/19 I called again to say I had not received this new check. I was told it was mailed on XX/XX/19, and I should receive it within 5-7 business days from the check date. I had not received the check by XX/XX/19, so I called a third time and asked for a manager. I was put on 'hold ' for more than 45 minutes. When the manager finally took the call, he said a check had been mailed XX/XX/19, and I should receive it any day. There was no explanation for the earlier date of XX/XX/19 that was given to me on my prior call. It was now 63 days since my mortgage loan had been paid in full, purportedly one check had been sent, but to the wrong address, and a second check was now apparently floating in space. So I told the manager I wanted the escrow account balance, approximately {$4700.00}, sent to me via overnight mail to arrive no later than XX/XX/19, and if I did not receive it by then, I would be filing a complaint. It is now XX/XX/19, and I have not yet received my escrow account balance from Suntrust Mortgage for a loan that was paid in full on XX/XX/19
Product: Mortgage

Shellpoint claims the {$5.00} wrongful payment from XX/XX/21 has been rectified.
Product: Mortgage

Sold property at XXXX XXXX XXXX XXXX # XXXX XXXX AZ on XX/XX/XXXX. We have called the bank 5 times trying to get a refund of our escrow account as of today XX/XX/XXXX still no refund. From BMO bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in XXXX and it was dismissed in XX/XX/XXXX, however in XX/XX/XXXX it was updated to reflect in a current bankruptcy when it should show as dismissed. I contacted the bankruptcy court trustee secretary via phone and was advised that they did not report this information. SO the bankruptcy is accurate but it should show as dismissed. Please update records ASAP as it is affecting my quality of living which includes securing a job and residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inserting the same account numerous times to my credit report as a harassment tactic. I have asked XXXX, as well as XXXX and Experian to investigate these inaccuracies through certified mail on three attempts ; to no avail. XXXX shows the same XXXX account 3 times, while Experian shows the XXXX account 2 times. I have tried to resolve this numerous times. I am being denied for credit because my credit report shows there are too many collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has retaliated against me since I first lodged a complaint with the CFPB. Experian has continued to report the XXXX XXXX Account long after they were ordered to remove it. I have continually paid off all my credit cards and my score doesnt reflect my balances or ratios Experian sets forth in their own Paid Programs. Experian retaliatory nature in the last 3 years has consistently cost me huge interest rates compared to others in similar financial situations. I have had to use Banks that rely on XXXX because Experian is and always has been XXXX points below XXXX XXXX and XXXX. I had finally found an Employee that was willing to do the right thing and finally remove the XXXX XXXXXXXX account about 90 days ago and my Score went to XXXX and as soon as someone found out that employee helped me they immediately lowered my score to XXXX the XXXX and I paid off the balances again that lowered my score and I am still at a XXXX according to the decline letter that I just received from XXXX after 33 years banking with them. They have turned me down 4 times because of Experian reports. I have perfect credit and have never filed Bankruptcy or even been 30 days late! Ever! 
When you join Experian Credit Monitoring and pay every month and you follow all of their exact rules and hold their published ratios and have zero public records or lates or collection accounts and you have the same score you had in 2016 and have paid every account like clockwork and continually do so. Enough is enough!
Product: Credit card or prepaid card

I received a {$100.00} rebate card for a purchase made in XX/XX/XXXX from XXXX. Card is issued by XXXX. The card has an expiration of XX/XX/XXXX. I called the bank on XXXX to get a new card issued, however they proceeded to tell me that the balance is forfeited because the card was not used. I don't think it is legal for them to do that - I read on the CFPB that gift cards are good for 5 years. 

I opened a claim to have the balance reinstated and a new card mailed out. The representative told me someone would get back to me within a day or two and that was 9 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stop trying to profit off the consumer. I in no way had a contract with 2 companies. Portfolio Recovery needs to prove they bought the debt with a bill of sale and contract on XX/XX/2017. XXXX XXXX needs to identity they are still the true owners of this account. You charged it off so did you sell it? If you sold it to Portfolio then you cant collect 2 x. 

Fix my report. You don't understand when a consumer loses their job, you try to damage them even more. You have to produce proof of ownership. If you own it then update my credit report to reflect original creditor date. I had a contract and you can not change the contract terms. 

You've paid off 0 % of your collection amount. 
Balance {$590.00} Highest Balance {$590.00} Opened XX/XX/2017 ( 1 yr, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX