23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid off this credit card and it had a XXXX balance on the card- the company has continued to charge interest and late fees even though the card was at a XXXX balance - the company has since charged off the card and affected my credit. There should not have been a balance on this card as it was paid off to a XXXX balance. The company has not sent me any statements and has locked me out of the account. I want the company to remove this negative remark from my credit report and write off the balance as this is not something that is owed.
Product: Checking or savings account

I was at XXXX XXXX on XXXX XXXX Friday XX/XX/21 and around the time of XXXX I bought 3 drinks totaling {$44.00} from one of the bartenders. A couple days later I noticed the transaction was adjusted to {$240.00} on my banking statement. I never authorized nor signed for a {$200.00} tip and I remembered and identified the bartender who completed the transaction. I reached out to XXXX XXXX and informed them of this along with attaching images of the bartender ; and reached no response. I reached out to my bank to complete the fraud investigation and they also arent able to help me without the original receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( 1 ) CHLD SUPRT XXXX XXXX XXXX CO XXXX XXXX XXXX
Product: Mortgage

I contacted my loan company and asked for my MI to be removed. I have over 20 % equity in my home. They have raised my payment over {$300.00} dollars starting in XX/XX/2023. I can show proof of comparibles in my area. They said because of my FHA loan, I can not remove MI.
Product: Credit reporting or other personal consumer reports

To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted.

- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly.

- The consumer is then notified of the changes made.

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation.

- Detail the steps taken to verify the {$3900.00} debt amount.

- Provide contact details for the furnisher of this debt information.

- Report any updates or corrections made based on the investigation findings.

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified.

They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently came across the CFPBs lawsuit against Equifax and believe I was directly harmed by their deceptive practices. Despite repeatedly submitting my drivers license, Social Security card, and a utility bill to verify my identity, Equifax kept stalling, claiming they couldnt verify me. Meanwhile, they fraudulently verified disputed accounts without providing any proof, severely damaging my credit.

I have received multiple denials of credit based on Equifaxs inaccurate reporting, yet my earlier disputes were dismissed without proper investigation. Their actions violate the Fair Credit Reporting Act ( FCRA ) and mirror the very misconduct highlighted in the CFPBs case against them. 

I demand that the CFPB take action against Equifax and ensure they : Provide a detailed explanation of how they " verified '' my disputed accounts. 
Produce any documentation used to verify these accounts. 
Conduct a legitimate reinvestigation as required by law.

Permanently remove all inaccurate and unverifiable accounts from my credit report.

Equifaxs fraudulent tactics have caused me financial harm, and I urge the CFPB to hold them accountable. I appreciate your attention to this serious matter and look forward to your response.
Product: Debt collection

Chase states : the charges are valid because they represent digital cards. 

Fact : while gift cards were purchased, they do not even make up 20 % of what was disputed, and it was clearly stated in the dispute that Chase was being provided the amount including gift cards, and also without, in case the gift cards could not be returned, as I was not sure. There is over 80 % left unaccounted for by Chase. 

Chase was also advised and informed that the gift cards had not been redeemed when the dispute took place. The gift cards were used after Chase closed the dispute, in XXXX of XXXX. The first gift card was redeemed on XXXX. 

Chase states : that they confirmed that I received benefits from the purchase, yet omits the proof to back that statement up. 

Fact : the sole purpose of the dispute that I filled was that the goods and services that were paid for, were not provided by the market. Chase has repeatedly refused to provide proof that the deliveries were made. In the case of digital content, it would have been delivered to my email address. In the case of physical goods, it would have been delivered to my home. None of the documents establishing these deliveries occurred is private and privileged. It is my name, my address, my phone number, my email, and my signature. The only reason that Chase would decline to provide this is because such proof does not exist. 

Chase is also considered to be both advised and informed that the digital goods provided were for someone else, as copies of it was provided to Chase. The content is made for someone needed XXXX or XXXX, depending on the correct spelling of the name. I am not that person, and examples of what correct digital goods look like from another merchant was included for Chases reference and comparison, as in the correct example, my name is clearly used. In one case, the merchant clearly admits that what was provided was not meant for me. Chase declined the refund for that purchase. It is worth noting that the dispute was filed after the merchant failed to provide the remake, after stating that they would. By this point, the number of or amount of content that was incorrectly provided had exceeded my patience. 

Chase states that multiple small charges were refunded. 

Fact : these smaller amounts were never disputed. They are all either deposits or subscription fees, both of which are non refundable and were not disputed because of this. In the case of deposits being returned, Chase was repeatedly questioned why the deposits were being returned and not the remaining portion that was paid at a later date. In the case of the {$37.00} that was returned, it was a deposit. The remaining portion of {$960.00} is still owed.
Product: Mortgage

I had an FHA mortgage with XXXX for {$55000.00}, under FHA case number XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I believe my original lender transferred the loan. XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the Certificate holders of the XXXX, XXXX, Reperforming Loan Remic Trust Certificatesm, Series XXXX sued me to foreclose on my loan. The bank took a judgment against me for foreclosure. However, I never was served with a summons and complaint in this case. A special process server said that he served my son, however ; my son does not live with me at the home and has never received a complaint and summons. My attorney tried to vacate the foreclosure judgment, however, the court would not allow him to vacate the judgment, stating that it did not matter if he lived with me, because he was related to me, that means that the sheriff could serve him. The court also took the word of the process server, over mine. Needless to say, I was not able to present a defense on my behalf and they purchased my home for about {$15000.00} at the Sheriff 's Sale. As an FHA beneficiary, the bank was required to send out notice to me prior to foreclosure. They were required to offer me options ( like a forbearance, a modification, and other resources in order to help me save my home. ) The bank failed to work with me. In fact I even tried to negotiate with them before and after the sale of my home, but they have ignored me. They are not following the FHA rules 24 C.F.R. 203.604, 203.501, 203.605, 203.606. It appears that all they want to do is go to HUD and collect on the mortgage insurance without talking to me. This is not how it is supposed to work. My husband and I are pastors at the XXXX XXXX XXXX XXXX in XXXX, which is located a few blocks from the property. Please help us. We are still in our home at this point and do not want to be evicted.
Product: Checking or savings account

I am trying to connect my XXXX account to my PNC checking account but they are blocking access to it. They refuse to let me connect to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.
Product: Debt collection

I sent the below letter to Access Receivable Management XXXX XXXX XXXX XXXX to verify a medical debt and they didnt provide proper verification to verify debt. I didnt sign anything releasing my information to be released from XXXX XXXX to a third party which revealed my personal medical history. They are suppose to give me 30 days to dispute the validity of the debt which I never received ... this is improper collection tactics. 
... ... ... .. : : : : : : : : : : : : : : : After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2021 I purchased a phone on XXXX that was financed through a 3rd party named Affirm. The phone never arrived and XXXX states they applied a full refund to Affirm. Affirm processed a partial refund and then has continued to try and collect the remainder they say I owe. I received no product or money. How is this legal? I finally paid them the balance after months of harassment. I even had XXXX call them directly. This seems like it should violate consumer rights. Hopefully you can help sort this out.
Product: Student loan

On XX/XX/22, my husband and I contacted Aidvantage to setup payment plans for when our student loans resume after forbearance ends. We needed this documentation to send to our mortgage lender because we are trying to purchase our first home. We were given quotes about the payments ( {$260.00} for me and approx. {$500.00} for my husband ). We received documentation of the payments we were given via email on XX/XX/22. On XX/XX/22, we received different emails with much higher payments ( {$590.00} for me and {$620.00} for my husband ) than what was previously communicated. We both spent hours on the phone to find out that the representative enteres our income information in incorrectly. On XX/XX/22, we called again to request that they recalculate the payments. The reps that we spoke with did that and gave us new payments that we agreed to ( {$270.00} for me and {$360.00} for my husband ). They told us that we should have the information emailed to us the same day. We did not receive that information. So I called back today, XX/XX/22, to check the status of the documentation. The rep said that she had no record of the payment plans that we set up. She then proceeded to reprocess both of our my payments. My payment was close to the same as what I've received on XX/XX/22 ( {$270.00} ). My husband 's payment was nearly double the about that they gave us on XX/XX/22 ( {$730.00} ). I escalated the call to a supervisor ( XXXX XXXX ) and requested that she pull the call from yesterday. She confirmed that we were given incorrect information but stated that she could not get the payment any lower. No one was able to provide us with any type of documentation on any of this. After being in the phone for over 4 hours today, my husband looks in his email and finds a letter from Maximus ( we just found out today that Maximus ' dba is Aidvantage ). It was the letter confirming the {$360.00} payment plan that no one seemed to have any idea about. So this documentation proves that the plan was processed for that amount. Both of us suffer from severe anxiety. This whole situation has caused us immense amounts of stress which has put our physical and mental health in jeopardy. At this point there is still no resolution because I still have yet to receive documentation of my payments to give to my lender so that out file can go through underwriting. We have been given incorrect information multiple times. We have spent hours on the phone to get simple documentation. This has been egregiously mishandled and no one seems to care that this may jeopardize the purchase of our family home. This is unacceptable and I demand a resolution.
Product: Mortgage

Early in XXXX the escrowed insurance company was pulling out of FL & it took me a bit to procure new insurance. Insurance was paid by Mr. Cooper XX/XX/XXXX. XXXX months later I was informed because my name was not on the mortgage, we needed to submit documentation that the courts had awarded me the estate and changed the deed. Which I did on XX/XX/XXXX. Fully understandable and not an issue. 

The next statement showed the estate of my mother c/o of me, but they mispelled my name. I didn't think anything of it until they added {$6500.00} worth of force placed insurance onto my account in XXXX when doing the escrow audit. After multiple calls to multiple departments being told numerous time 7-10 business days to correct, nothing is corrected. 7-10 business days to correct their error in typing my name is insane. Then another 7-10 business days to possibly correct the {$6500.00} in forced insurance that should not have been there. In the meantime they have added {$540.00} per month in unnecessary insurance causing my payments to be 60 days late with unapplied funds. 

7-10 business days to fixe their errors in multiple ways is insane. Mr. Cooper should be held liable for the hours and stress they have caused. We are at the end of XXXX & still being told 7-10 business days to fix THEIR errors.
Product: Money transfer, virtual currency, or money service

PayPal put a 90 day freeze on my money despite being provided copies of the contracts and agreements. 

On XX/XX/2019, a opportunistic former client wrongfully reversed payment for services I performed for her using PayPals online dispute portal. Copies of the service records, drafts, and dates of service was provided to PayPal and correctly, ruled the dispute in our favor. Now the client is disputing through her credit card. This is an dispute between the client and PayPal only. I have the documents showing an agreement with client for the amount of {$500.00} refund, a signed contract, and a confirmation payment through PayPal ; yet, PayPal refuses to release the money owed to me for 90 days. Meanwhile, they get interest from my capital. How is this legally ethical?
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services LLC began servicing my mortgage in XX/XX/XXXX after it was sold from the prior servicer XXXX. First, XXXX has continued to incorrectly report to the wrong original loan amount of {$370000.00} as of XX/XX/XXXX. T.hey have document records that the original loan amount was {$390000.00} and not {$370000.00}. Secondly, Rushmore has continually reported the wrong outstanding balance owed each month to the credit report agencies. As of XX/XX/XXXX, Rushmore has reported my balance owed as {$360000.00} but has mailed a statement that shows my outstanding balance is {$360000.00}. Since, my original loan amount was {$390000.00} as of XX/XX/XXXX, I have paid a total of {$29000.00} toward the principal balance. Rushmore 's inaccurate reporting of the original loan amount as ( {$370000.00} ) and inaccurate outstanding balance as of ( {$360000.00} ), result in the CRA reporting that only 4 % of my mortgage has been paid since XXXX. THIS is wrong and has impacted my ability to obtain new credit. I have written the customer service department of Rushmore, who has continually not provided the correct information to CRA after I have disputed them three different times since XXXX.
Product: Debt collection

This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error : XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$5900.00} / BAL OWED : {$120.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR THE XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and XXXX  due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

I requested validation they did not properly validate. Sent via email. I never gave them permission to email me about this debt. This was paid. They did not show equipment returned in 2017. They did not show payments made. They reported to credit reporting company. This was paid in 2017.