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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected no removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a few letters off on XX/XX/2022. Here are the tracking numbers XXXX, XXXX, XXXX. Also I submitted to the FTC reference number XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party companies. 

These are clear violations of my federal protected consumer rights
Product: Debt collection

A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX and they transferred my new loan to LoanCare LLC. As I am accustomed to paying my mortgage ( previously with XXXX XXXX ) online within the grace period ( up to the XXXX of any month ) usually around the XXXX, I make a one-time bank transfer each month and never was charged any fee to do so. Today I find out that LoanCare will charge me a variable fee for this monthly ACH transfer and the fee is based on when I make my payment EVEN within the grace period. Fees are XXXX-XXXX day of the month, no fee ; XXXX-XXXX of the month {$7.00} and the XXXX-XXXX of the month it 's {$10.00}! I find this egregious, unfair and punitive, it 's punishing me for making my own decision on when to pay them and I should be able to pay up to the last day of the grace period if I choose without paying a tiered fee, or any fee for that matter for a simple ACH bank transfer. I do n't know if other loan services do this but I have never seen this before and have refinanced a few times in the last 6 years and no services made me pay these fees. Hope you can help me as I am stuck with this company unless I refinance again.
Product: Credit card

I am writing in regard to an interest fee of {$3.00} that was recently applied to my account, which I had already closed. The account was initially closed because of Capital One 's refusal to waive a late fee, despite my request. Now, after the account is closed, this small balance remains due solely because of the interest fee. 

Given the circumstances, and considering that the account is no longer active, I respectfully request that you waive this remaining interest charge. I believe this would be a fair resolution, as the balance stems from a situation where I already felt I was being treated unfairly. 

Please confirm in writing once the balance has been cleared, or if further action is required on my part. 

Thank you for your attention to this matter, and I look forward to your prompt response
Product: Mortgage

XX/XX/2023 I began the purchase of a new home. I chose KPL Select Mortgage INC, to begin the process of my mortgage. XXXX XXXX was the loan representative and XXXX XXXX his assistant. During the process of my mortgage there were several misrepresentations which were revealed mostly at the end when the paperwork came to sign. I was going to borrow just over half of the purchase price and finance the rest. During this time, I was quoted a loan amount with no knowledge of points for a buy down or that I would be told at the closing that an escrow was established for new Trust Deed Loan. The wording said I qualified for the new Trust Deed Loan without any financial impact ever discussed. I also received paperwork that I was offered 3 loans with different points and interest rates which had never been discussed prior. I am not familiar with a Trust Deed Loan and since I was putting almost 50 % down I didn't worry until XX/XX/2023 and I logged in now a different mortgage companies ' website, XXXX, that they had purchased my loan. I signed documents which conflicted with this information at the closing that said I was being service by a XXXX XXXX XXXX XXXX XXXX, though I had also signed a document which said XXXX XXXX  XXXX was the lender. During the loan process I was told I had no escrow, but at my close they added an untitled escrow amount on one of the documents for this " Trust Deed Loan '' of {$54.00}, along with other proposed property payments which were not going to be escrowed. This was the only document which hinted at a different monthly payment then the other documents. I did call XXXX XXXX about the discrepancies but he said that what we had discussed was true and there was no escrow and the loan was not going to be transferred to another company. I signed my closing documents on XXXX for the XX/XX/XXXX closing. This {$54.00} for 360 months was not clear on my documents which had conflicting information and represents {$19000.00} in payments for some product I received no information on and was not made aware of financial implications in the documents I signed. The monthly payment in all the documents did not include this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually followed up with the companies as well as the credit bureaus of trans union and XXXX  and they refuse to remove the information or provide any documentation to substantiate their position.
Product: Credit reporting or other personal consumer reports

This account has been opened without my consent and is the result of identity theft. I have not applied for any credit associated with this account, nor have I engaged in any transactions related to it. It is clear that this entry is fraudulent, and as such, it is damaging to my credit report and undermines my financial reputation.
Product: Credit reporting or other personal consumer reports

Request for Debt Validation : Account # 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  I am writing in response to your recent communication regarding a debt you claim I owe. I dispute this debt and request validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : Verification of the Debt : Proof that I am the legal and rightful owner of the debt in question.

Details of the Original Creditor : A complete breakdown of the original debt, including the creditors name and details of the original amount owed. 
Proof of Your Authorization : Documentation that establishes your right to collect this debt on behalf of the original creditor. 
Detailed Account Records : A complete accounting of the debt, including the balance, interest, fees, and how these were calculated.

Statute of Limitations : Confirmation of the date of the last payment made on the account to determine if the debt is within the statute of limitations for collection in my state.

Until this debt is validated, please cease all collection activities, including reporting this debt to any credit reporting agencies, as per the FDCPA. Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This letter is not an acknowledgment of the validity of the debt nor a promise to pay. It is a formal request for verification and validation of the debt you claim I owe.

If you can not provide sufficient proof to validate this debt, you are required to cease collection activities immediately and remove any related information from my credit reports. 

Please respond to this request within 30 days of receipt of this letter. Failure to do so will be taken as your inability to validate the debt, and I will consider this matter closed. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

My online account was locked due to suspicious activity, and I was given a number ( XXXX ) to call to unlock it. When I called, I was told the wait time was over an hour. It is unfair to expect customers to spend hours on hold, without knowing if the representative will be able to solve the problem, in order to access their own money. 

Many other people have reporting having this problem with Chase for years : https : //www.reddit.com/r/Chase/comments/foygeh/account_locked_for_suspicious_activity/
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( US DEPARTMENT OF EDU XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Debt collection

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1900.00} ]. 
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 you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Up on trying to obtain an application for a apartment my credit was ran, only to find that a number of accounts was one my report that does not belong to me or any one that I know. I contact those creditors make them aware that those accounts was not mines but only to get no cooperation from none, this is posing a major problem for me.
Product: Credit reporting or other personal consumer reports

I have repeatedly reached out to these creditors, CHASE and XXXX regarding the balance. Originally, I engaged in the debt management program, XXXX recommended by these same creditors. In XXXX, I had to delay one payment due to hardship, consulted with XXXX - and eventhough I resumed the normal plan within 19 days, I was severely penalized from that point forward. So, I decided to move to a more customer friendly loan repayment provider and selected XXXX. All debts were rolled into one and paid to the creditors. Then in XX/XX/XXXX, the late payments were posted on my account again. Ruining my credit so bad, I was unable to qualify for a home equity loan which was the goal. With a credit score less than 700, I was back where I started.
Product: Credit reporting or other personal consumer reports

Accounts was not verifed, I never received an updated credit report. I was not notifed of any method used. Payment method was not verified, false information is on report.
Product: Credit card

This is a follow up to original complaint XXXX Chase has only provided the credit card portion but has not refunded my ultimate rewards points XXXX despite the letter saying so. Can you refund the points asap? 
I have only got the dollar amount {$42.00} but not the ultimate rewards points This is the original complaint I had asked the Chase ultimate rewards to explain and investigate about the charge of XXXX points I used to book XXXX XXXX XXXX, Chase ultimate rewards reference XXXX Original book ID XXXX The advertising on the chase page is incorrect, you can't check in because there are no keys and no front desk and as a result, I have to book another hotel I had contacted ultimate rewards multiple times and each time they told me they are resolving the issue, it has been over a month The Chase response is You received a one-time courtesy credit Reference Number : XXXX Dear XXXX XXXX : We XXXX XXXX to your request for a refund of your reservation you purchased using your credit card account ending in XXXX. We appreciate the opportunity to assist you. You are welcome to share our resolution with the Better Business Bureau. 
Thank you for your patience while we reviewed your request for a refund of your reservation. We completed our review and decided to process a one-time courtesy refund of XXXX points and {$42.00} back to your Chase Sapphire credit card account. You can see the refund on chase.com and on your next billing statement. The total monetary value of the refund is {$120.00}.
Product: Debt collection

Jefferson Capital Systems , LLC at XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of { {$1600.00} }. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Consumer Loan

Portfolio Recovery has been calling my home for over 2 years, I have no business with them I already told them the person they are looking for does not live here but they call every day. I have no clue what type of loan it is because I am not the person they are looking for. I selected the options above because the web site wont aloe me to proceed if I do n't select an option but I am not the person they look for.
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 1681. 

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 seven 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

Hello, Hello, I have a collection on my report from XX/XX/XXXX. I moved to XXXX XXXX on XX/XX/XXXX and have not been back to XXXX. I dont know who or why my information is in the system but this was not me and I have NO knowledge of this. I have disputed this once before with credit karma and it was removed. However, it was decided to charge me again. This WAS NOT ME and please let me know what I need to provide to show I have been in XXXX  since XX/XX/XXXX. This is fraud possibly even identify theft. I have no knowledge of this. I am also filing a complaint with XXXX XXXX, XXXX XXXX and XXXX again.
Product: Money transfer, virtual currency, or money service

Hello its with cash app. I have direct deposit and received my Check on Wednesday @ XXXX. By XXXX my cash app had been charged {$350.00} and {$110.00} at a target In XXXXXXXX XXXX XXXX I didnt authorize or make this purchase I immediately locked my account and reported card stolen with cash app. I was told I had to let the pending transactions finish pending to dispute the charge. I had {$260.00} left in my cash app account the next morning while Im at work another {$350.00} transaction and and another {$110.00} transaction occurs which made me negative {$200.00} or {$200.00} something like that! Now I cant even got negative on cash app if you dont have the funds its declined period. So I contacted cash app and was told ok we can block the merchant and stop the pending transactions hmmm I jus called the day before and they couldnt do anything but once they see its negative oh they can help cause there money gone thats how I took it but needless to say I had my {$260.00} back immediately. But what about the other charges from day before? I was told ten business days to investigate. Ive submitted documents that I was at work the days of the purchase to be technical I had got off work a little after 4. But theres no way I can make it to NY and make these purchases. XX/XX/XXXX I was told my dispute was denied. Please help if you can Im currently working my XXXX off and cant afford to be robbed I get paid every two weeks and I have {$260.00} to last me the next two weeks. Jus to give a insight I bought a car last year and transmission went out its at the shop {$2000.00} to get out I have a car note {$330.00} and my house that I lived in last six seven years is up for foreclosure and the land lord never told us we got all documents in mail. I have a XXXX XXXX XXXX son thats starting high school soon. Im saying all this to say I CAN NOT AFFORD THIS LOST!! And Im so tired of cash app XXXX and Im determined to get my money back!!
Product: Debt collection

There is an entry on my XXXX credit report detailing a collection account for Receivables Management Systems. The Original Creditor is XXXX XXXX and dated XX/XX/2016. This account has been paid in full to the Original Creditor. I have requested both XXXX  and Receivables Management Systems remove the entry, per the Fair Credit Reporting Act. I have provided both with proof to substantiate my claim.
Product: Debt collection

I had a 6 month advertising agreement with XXXX for my XXXX XXXX XXXX. Communication with them was always by email. I told them to cancel my account and for 2 months they repeatedly sent me notices about my payment not processing. They actually billed me for 7 months and said it auto-renewed. 

They also changed the layout of the website and it longer featured my ads across the top. So they were not even providing what I had contracted for. 

I am now getting harassing calls from a girl named XXXX at a collection company called XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I Have told her she can't just call me on the phone and I need something in writing and I thought it had to be certified mail or return receipt. She stated she sent a letter, but I never received it. I have since researched the payment history ( attached ). 

She is threatening to turn me into the credit bureau 's. I do not owe Homes.com anything in fact I should be entitled to a refund of the 7 month 's extra billing. 

Payment History attached.
Product: Bank account or service

Good day. My dad XXXX XXXX had an account with Wells Fargo in XXXX GA XXXX XXXX XXXX XXXX XXXX GA. At the time my dad was diagnosed with XXXX. My dad used to go 1x a month to the branch and the Branch manager would take my dad rental income from XXXX tenants by money order. He never got a receipt and in fact instead of reflecting XXXX $ income the account started to get depleted. One day my dad went to the bank around XXXX time and the banker told my sister that they saw my dad withdraw XXXX $ in cash. WE were all scared including my husband, grandkids were at my mothers house my mom almost got a XXXX XXXX. And few days later they changed the story stating that he did n't take any money out. This employee was infatuated with my dad /mom accounts and I believe opened accounts knowing that my dad was not XXXX. We have asked for a reimbursement and for 2 years they have told us stories that they needed the money orders tracking nubmers which our tenants did n't keep record and my mom did n't think to make copies. WE are asking for XXXX $ back ASAP or we will expose them and run the local story on XXXX.I am attaching bank numbers for XXXX and then XXXX when WElls fargo decided to change the bank account for " identity theft " reasons. As well as the judges verdict for the employee that took place on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , TX XXXX   ( XXXX ) XXXX  Last Payment Made : : XX/XX/2016 High Balance : {$260.00} Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/2016 Date Paid : XX/XX/2016 XXXX  has been reporting a collection on my credit report since XX/XX/2016. Have always been current with XXXX  still am. I called and written to XXXX on several occasions only for them to state that they can not find this account in their system, thus can not issue a deletion letter or remove it from the report. XXXX keeps telling me to dispute with the bureaus but bureaus coming back stating " it was been verified and will report for up to 7 years '' ... who is lying and who is violation F.C.R.A. here ....