23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX XXXX Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Checking or savings account

I received a letter on XX/XX/XXXX from Chase Bank stating that they will be closing my following personal checking account and personal credit card accounts : XXXX, XXXX, XXXX, XXXX. 

The reason given on the letter is " due to inappropriate conduct with our employees ''. This action has left me deeply confused and concerned, as I maintain a very positive relationship with my local branch and have always endeavored to conduct myself professionally and respectfully. 

The only interaction that I can recall which may have contributed to this misunderstanding involved a phone conversation regarding a business credit card account. During that interaction, Chase had explicitly assured me they would not report a recent late payment, that I was unaware of, to the credit bureaus. Unfortunately, despite their assurance, Chase proceeded to report the late payment within days, which directly caused my mortgage application with another provider to fall through. 

Given the severe impact of this unexpected action - particularly during the recent XXXX XXXXXXXX XXXX, which had left me displaced - I admit I raised my voice during the call. However, I absolutely did not use any profanity, threats, or personally disrespectful language toward the employee. If my raised tone offended the employee, I sincerely apologize, as that was never my intention, especially given the stressful circumstances. The XXXX XXXXXXXX XXXX were devastating and caused severe trauma as I had to evacuate immediately. Taking a call from Chase in the middle of it, was a poor decision on my part. 

Outside of this isolated incident, my interactions with Chase employees have always been professional, courteous, and positive throughout the 8 years I have been a member. I maintain a very close and friendly relationship with my local branch manager and branch staff, as well as with the representatives who manage my business banking accounts. This abrupt decision by Chase does not reflect the longstanding relationship and respect that I have cultivated over the years. 

I kindly request the Consumer Financial Protection Bureaus assistance in investigating this matter and facilitating communication with Chase to reconsider their decision, given the significant impact it is having on both my personal and business financial stability. 

Thank you very much for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX Freedom debt relief negotiated with Customer Back to settle my outstanding debt of {$14000.00} for {$4300.00}. which was to be paid within 15 days of XX/XX/XXXX per a conversation with freedom debt they issued a certified to XXXX Bank for the settled amount. This check was cashed in XXXX of XXXX and put on the balance of the account instead of settling and closing this debt. Finally in late XX/XX/XXXX of XXXX i received a phone call from XXXX XXXX XXXX XXXX XXXX attempting to collect on this debt. I called Freedom Debt and since then they supposably have been in contact with XXXX Bank trying to resolve this issue. XX/XX/XXXX i received a letter from XXXX XXXX stating i agreed to a settlement of {$4500.00}. they have called me multiple times since.
Product: Debt collection

In XXXX, I sent a formal dispute letter to Credit Coll regarding an account they reported on my credit report. I cited violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), as I never received the required written notice of the debt within five ( 5 ) days of their initial communication. I also demanded they validate the debt and cease all collection activities, including reporting to credit bureaus, under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692c ( c ).
Product: Credit reporting or other personal consumer reports

I am writing to address a fraudulent account listed as " XXXX XXXX XXXX '' on my credit report. Despite submitting multiple disputes to the credit reporting agencies and filing reports with the Federal Trade Commission ( FTC ), this account remains on my report without resolution. I am requesting immediate removal of this account under the protections granted to me by the Fair Credit Reporting Act ( FCRA ).

Under Section 609 ( 15 U.S.C. 1681g ) of the FCRA, I have the right to request and obtain all information related to this account, including verification of the debt and the identity of the furnisher. Despite my repeated requests, no documentation or evidence has been provided to prove this account is valid or connected to me.

Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to investigate disputes within 30 days. However, even after several dispute submissions, no corrective action has been taken, and the account remains unverified. If the account can not be substantiated, it must be removed from my credit report as required by law.

Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers of information from reporting inaccurate or unverified data. I request that the reporting agency notify XXXX XXXX XXXX of this dispute and demand documentation validating their claim. If they fail to provide sufficient proof, this account must be deleted.

Given the possibility of identity theft, I have also exercised my rights under the FCRA ( 15 U.S.C. 1681c-2 ). I filed an FTC Identity Theft Report and have repeatedly provided the necessary information to support my claim. Despite these efforts, no resolution has been achieved.
Product: Credit reporting or other personal consumer reports

I am in tears breaking down over how difficult Experian makes it to simply talk to a live representative regarding filing a dispute relating to IDENTITY THEFT which should be a VERY SERIOUS SITUATION! I have been trying and reporting the SAME FALSE ACCOUNT on my credit report for nearly SIX YEARS that has continuously come back as " validated and true '' despite Experian and the collection agency NEVER PROVING ME PROOF OF ANY DOCUMENTS THAT WOULD UPHOLD THIS DECISION. I am here trying YET AGAIN to dispute this ILLEGALLY OPENED ACCOUNT in XXXX of XX/XX/XXXX and I paid MONEY OUT OF POCKET to file disputes physically by mail because you are now NOT ALLOWED TO FILE IDENTITY THEFT DISPUTES THROUGH THEIR ONLINE SYSTEM WHICH IS AN ILLEGAL AND PREDATORY SYSTEM TO THOSE WITH XXXX WHO CAN NOT CALL OVER THE PHONE! Even when I DO call the number provided and follow all of the correct steps their automated system tells me VERBATIM it will NOT transfer me to a live agent despite having the ability to and will HANG UP ON THE CUSTOMER! Meaning there is virtually NO WAY for a consumer to file a report with them as I can not do it by phone or online and by mail has XXXX ABILITY TO TRACK DISPUTE PROGRESS!! 

THIS IS AN EXTREMELY PREDATORY PRACTICE AND HAS GOT TO BE 100 % ILLEGAL THAT THEY ARE ABLE TO FALSELY CLAIM DEBTS ARE TRUE AND VALIDATED WITHOUT PROVIDING ANY PROOF OF THESE CLAIMS TO THE CONSUMER DISPUTING SAID CLAIM1
Product: Mortgage

Hello, I refinanced a loan from United Wholesale Mortgage ( serviced by XXXX XXXX ) on XX/XX/2021 and am due an escrow refund of {$4100.00}. According to XXXX, any remaining escrow balance must be refunded within 20 days of a mortgage loan being paid in full. As of XX/XX/2021, I have yet to receive these funds from the lender. 

When contacting the lender I am being told stories about how it takes 4 business days for them to place the check in the mail and how it takes an additional 7-10 days to be received by me. However, this time frame has now passed and the lender is refusing to issue another check until 30 days have passed from when the original check was supposedly printed. 

Additionally, when I contact the lender about these issues they seem not to care and act in such a way that shows they do not care about their customer 's monies. 

Attached is a letter from the lender confirming that my mortgage was paid in full on XX/XX/2021 and an escrow statement that shows an image of the check that was supposedly sent. 

Thank You, XXXX
Product: Student loan

My loans were forcibly put into disaster forbearance by my student loan servicer " XXXX '' ( due to living in the vicinity of the California Wildfires ). Within minutes of receiving the email notification I called them to find out what it was about. During that initial call, I was transferred to someone else to have the forbearance cancelled and removed. I was told it would take a week or two for the forbearance to be removed.

Two weeks later, the forbearance still had not been removed so I emailed them to ask about the status of my loans. It has now been a full month and I have received no communication and my loans are still in forbearance.

As a result of this forbearance I have lost my interest rate reduction which is provided on the condition of continuous automatic payments. While my loans have been in forbearance I have been aggressively paying them down to offset the interest rate increase that resulted from this predatory behavior on the part of my government and loan servicer.

I was in no way affected by the Wildfire Disaster and I am now being financially punished despite my honest efforts to avoid this forbearance and continue paying my student loans on their regular schedule. My credit score has also dropped significantly as a result of this behavior despite the fact that by every imaginable indicator my financial health and credit worthiness improved over the last month. The rule stating that student loan forbearance should not or does not affect your credit score is clearly simply not true.

This is predatory behavior by my loan servicing company and it is an absolute travesty that the government can force disaster forbearance on anyone in a geographic region without any input from the persons affected. I don't need your help and I will not allow my student loan servicing company to make windfall profits on the back of " disaster '' assistance.

How many hundreds of thousands or even millions of people in XXXX XXXXs are getting bilked at higher interest rates this month because of this unilateral action by the student loan industry?
Product: Credit reporting or other personal consumer reports

They have already closed my complaint without any further resolution. Their REMARKS from my recent credit report says : " reinvestigation in progress ''. However, they have already closed my complaint through this channel. I can't seem to understand the connection. When it's closed then reinvestigation is done. But when reinvestigation is still in progress, they shouldn't close it yet. This is so unfair and I don't see their results valid.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Lease have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/1930 XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : Best Buy Credit Services Best Buy Credit Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my XXXX  report on XXXX XXXX XXXX  without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Best Buy Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with Best Buy Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand. 

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.
Product: Credit reporting or other personal consumer reports

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 15 USC 1692g and FCRA section 623 Responsibilities of furnisher of information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1692g of the XXXX Fair Debt Collection Practices Act I request proof of the purchase agreement of alleged debts by the original creditor. 15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested the XXXX credit bureaus ( Equifax, XXXX, and XXXX to remove the incorrect name and addresses and they did not do it. The incorrect spelling name on my credit report is " XXXX '' and the incorrect addresses are as following : XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. All XXXX addresses are not my past or present address.
Product: Debt collection

The original debt amount is {$2900.00} due to a broken lease agreement. However, the lease was also under the name of XXXX XXXX XXXX. Even though she was an XXXX XXXX ; XXXX  ( leasing office ) still had her approved without a social security number. I made a security deposit of {$2900.00} before we moved in! 
XXXX and Hunter Warfield placed not only the full amount of a joint debt under my social security but also keeps charging interest every month. Now Hunter Warfield is trying to collect {$3700.00} and reporting that amount in my credit reports monthly. XXXX XXXX XXXX no longer lives in the U.S due to being deported and there is no way for them to collect any money from her. I agreed to pay 50 % of the debt in order for them to remove this from my records, however, their agents don't give me that option and are very rude over the phone. XXXX made a mistake of allowing someone without social security to rent an apartment with them, and I can only be held responsible for my share of the debt. 
I need them to either remove this collection from my credit report or just be fair and show correct amounts since was a joint lease. 
The correct amount I should have been charged is {$1400.00} Acc # XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, a form of XXXX XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX XXXX We are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked to XXXX once an official claim has been filed.
Product: Checking or savings account

Last week I became victim of an imposter scam. I received a phone call from somebody posing as a chase fraud customer service agent. This person informed me that a wire transfer of over {$5000.00} was attempted on my account as well as multiple XXXX transactions. This person was able to move my money from my savings account to my checking account, right before my eyes. I was on the phone with them and signed into the bank app and saw them do it ( it is clear on my act that i did not move the money ). I didnt give consent and they didnt tell me they were going to do it but I checked my account when they were telling me what had occurred. Caller ID said Chase and with them being able to move my funds without my assistance, I assumed it was a Chase representative after all. After about an hour and a half of discussion and the representative trying to make my account safer by turning on the two-step authenticator toggle button, and telling me different ways, this might have happened to my account any how to keep my act safe, they told me that I would need to help them do a manual override to reverse the XXXX payments that were pending. In essence, I was paying myself back the XXXX to override it. I felt uneasy about this so I used my XXXX XXXX phone to call the number back and in fact received the XXXX customer service Phone number. So again, I believed that I was talking to a XXXX representative after all. I followed through with the directions I was given and by the next morning, I was out {$4000.00}. I have tried to resolve this with XXXX and they said that because I sent the XXXX that theres unlikely any resolution to occur. However, they do acknowledge it was a scam and that it was fraud for this person to move my money from my savings to my checking. They said theyre sorry
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see this date and accounts that are in inaccuracies : 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 or other personal consumer reports

Jefferson Capital Systems is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is G C SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, G C SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) G C SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. G C SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where G C SERVICES is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. G C SERVICES. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!