23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an American Express gift card from my employer last XXXX. The initial balance was {$500.00} and I was able to use {$410.00}. At this point the card has stopped functioning and it is declined at every purchase opportunity I make. There is {$89.00} left on the card and I have tried to use it in person and online, and every time it is declined. I have tried reaching out to American Express, but received no response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account 's XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX, have violated my rights. 

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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I disputed the account and they wrote me back saying that they did they investingation and the information was correct and I sent back a form asking them to prove it and they never responded XX/XX/24 Duvera Billing Service
Product: Vehicle loan or lease

On XX/XX/year> I sent GM Financial via email my assertion that they knew of a lifter issue and that I joined two class action lawsuits vs. GM. They refused to respond or acknowledge the letter. 
On XX/XX/year> I sent via email and snail mail my strong concerns about the false amounts GM says I owe, the lack of any paperwork, my two lawsuits vs. GM, the XXXX system issues, the fact they, GM, just demands money with zero proof, zero bills, sales, receipts, nothing. 
On XX/XX/year> I am again sending via snail mail, to GM at XXXX XXXX in XXXX XXXX, the headquarters, demands for any paperwork on supposed sales, tow receipts, anything. 
They have made an obscene profit of XXXX, XXXX already on a defective truck. I spent over XXXX fixing a known issue by GM. 
I owe nothing, in fact they owe me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by Equifax, XXXX, and XXXX. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably XXXX from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, Equifax, XXXX, and XXXX have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with Equifax, XXXX, and XXXX. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of Equifax, XXXX, and XXXX are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that Equifax, XXXX, and XXXX fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, my husband and I had to call Chase bank due to someone getting a hold of our card information and spending {$5.00} at a XXXX in XXXX. We asked the lady if we can cancel both our cards and receive new ones in the mail. The lady said this would not be a problem and we will receive our cards in 1-2 business days. My husband received an email from Chase on XX/XX/2020, stating they will be refunding the money back to our account and I also received my new debit card in the mail yesterday. On XX/XX/2020, the same day I received my new card, I received a text stating that I deleted my number from the Chase mobile app. I went to log into my account on the mobile app and it said my account was locked due to suspicious activity and to call a number. I called the Chase number and that's when the lady told me Chase decided to close my checking and savings account and we could not open a new account with them. I asked why since we have never had a negative balance or had any problems with Chase. We were just on the phone the day before ordering new cards and everything seemed to be fine! The lady said she could not disclose any information as to why our accounts were closed but said we can go into a branch to withdraw our money. We spent an our at the branch waiting for our money because they had to call the representative we spoke with to verify it was okay to withdraw our money. They denied giving us our money and said we will have to wait 10 business days for a check to come in. I told the guy at Chase that we need our money now due to having to pay bills coming up or we will get a late fee and I had a direct depost coming in the next day! How are we suppose to survive and eat with {$0.00} to our name. The manager said " sorry. There is nothing we can do '' .We left and I ended up calling the Chase representatives again to see if someone can tell me what is going on. The representative told me the same thing the first lady told me that it was confidential and I will be getting a letter in the mail stating why my account has been closed. My husband then called a representative a few hours later and told them our situation and the lady said she can at least release our savings account money. She said to go to the branch, bring two forms of ID and have the people at Chase call them to verify they could release our savings account money. We waited 30 minutes just for the manager at Chase to tell us it was the branch 's decision to not give us our funds out of our savings because he could get fired for giving us OUR MONEY. We then later called a Chase representative again to keep trying to get some answers. Another lady proceeded to give us the same speech. I asked to speak to her supervisor and she told me " you will get the same response but sure hold on ''. I was on the phone with them for about an hour and the supervisor said she can't do anything and that we have to wait 10 business days to get our money. Mind you were are in the middle of a pandemic, I was laid off from my job due to COVID-19. I can't be without money for 10 business days or longer. I do not recommend anyone to bank with Chase!
Product: Credit reporting or other personal consumer reports

fraudulent inquiries continued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX XXXX Without Prejudice
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. 
National Credit Systems : XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 


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 or other personal consumer reports

Complaint to the CFPB Regarding Rocket Loan Marketplace I am filing a complaint against Rocket Loan Marketplace for violating the Consumer Financial Protection Act ( CFPA ). Specifically, Rocket Loan XXXX failed to respond to my inquiry regarding a Charge Off account ] within the required 30 days. 

On [ XX/XX/year> ], I contacted Rocket Loan XXXX with a concern about [ a charge off account ]. I send a letter requesting for a form 1099c and provided them with all the necessary information to investigate the matter.

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), creditors are required to provide a written response to a consumer inquiry within 30 days of receiving it. In this case, Rocket Loan XXXX failed to respond to my inquiry within the mandated timeframe, violating my rights under the CFPA.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) outlines the specific information a response should include, such as the steps taken to investigate the inquiry and the results of that investigation.

I request that the CFPB investigate Rocket Loan XXXX 's practices regarding consumer inquiries. Furthermore, I request that the CFPB : Require Rocket Loan Marketplace to respond to my original inquiry within a reasonable timeframe and provide a detailed explanation as outlined in 15 U.S.C. 1681i ( a ) ( 5 ).

Hold Rocket Loan XXXX accountable for any financial damages I may have incurred due to their delayed response. 
Thank you for your time and attention to this matter. I look forward to the CFPB 's investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. La. XXXX
Product: Mortgage

On Thursday, XX/XX/XXXX, I was served with a foreclosure notice from the XXXX XXXX XXXX XXXX XXXX for the property I own, located at XXXX XXXX XXXX XXXX XXXX PA XXXX. 

The lender is Select Portfolio Servicing of XXXX XXXX XXXX, Utah. I fell behind on my mortgage after being unemployed for the period XX/XX/XXXX to XX/XX/XXXX, when I began employment with XXXX XXXX. 

I notified the mortgage company that I was unemployed but had accepted the role with XXXX as of XX/XX/XXXX. I also informed them that I would send accelerated payments to bring my account up to date, once I began to receive my salary. 

In support of my promise to pay, I sent a certified check in the amount of {$2500.00} on XX/XX/XXXX as my first payment. However, the mortgage company returned this check to me, refusing to apply thus amount to my outstanding balance. 

Instead, they began the foreclosure process to steal my home, depriving me of my ability to provide for me and my family by taking away our residence. 

Subsequently, I sent checks in the following amounts from XX/XX/XXXX to the present : 1. {$2500.00} 2. {$2500.00} 3. {$3500.00} 4. {$15000.00} This includes the original check returned to me. and this totals {$23000.00}. In a separate letter, the mortgage company demanded payment of {$23000.00} by XX/XX/XXXX. 

I believe I've done enough to prevent my home from being foreclosed upon. However, I believe Select Portfolio Servicing is engaging in illegal and fraudulent behavior by initiating these proceedings. 

I request full reinstatement of my mortgage, the elimination of excessive fees charged by the company for unnecessary legal and business costs, and damages from the company and the law firm that prepared this illegal foreclosure filing against me. 

I also request a full investigation into the business practices of Select Portfolio Servicing to determine if other customers are bring defrauded like I have. 

I have filed similar complaints with : The U.S. Department of Justice, The PA State Attorney General 's Office and U.S. HUD. 

I can be reached by email at : XXXX or XXXX and by phone at XXXX or XXXX Rev. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following items require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and mailed fXXXX XXXX XXXX XXXX several times they wont allow me to pay off my balance due to a spouse steeling my credit card but I have gotten nowhere everyone I talk to Is disrespectful They are saying I need to get in contact with the third-party company that took over Ive been having no luck For months now The last investigation drop my credit score XXXX points Im in the process of trying to get a house for my kids Yes this account should be disputed
Product: Student loan

In the last 5 years, I have been employed as a XXXX, paying my student loans very regularly. Prior to that when in between jobs, finishing up a XXXX Degree and beginning my adventures in paying student loan debt, I was unfortunately misguided and put trust in a company called Navient, formerly known as XXXX. Essentially, I was steered into forbearance as I was only given XXXX options : pay the unaffordable amount they had requested or go into forbearance until I could make enough money for monthly payments as high as they had requested. This was before any program related to gradual repayment planning was offered. During this time, I did take on the forbearance option as I had no other choice, and I was n't exactly well-informed of the accrued capitalized interest that I was signing up for. 
Later when I was able to enter in a program with a steady job, I was eventually enrolled into a gradual repayment program, which put 75 % of the money I thought was going towards student loans into the interest. Meanwhile my student loan debt/interest accrued. When I inquired about any alternative programming ( income-based payments for example ) this past XX/XX/XXXX when my loan increased immensely again, they told me I had XXXX options : Forbearance ( which was suggested ), continue in my very costly ( but beneficial for Navient ) plan, or pay what I now owed, which was almost double the cost of my student loan payments. I did n't qualify for the income-based repayment plan. After reviewing the numbers with my father, we found that my loans have almost doubled since I have been making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified unauthorized credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2021 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US SM BUS ADMIN XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has account on my Equifax its fraudulent, I want this account removed from my credit report, this is not my account, my information was leaked on the dark web by XXXX, this account is a XXXX account Is for XXXX dollars, please remove this account I did file a federal trades commission identity theft report, my name has been used to open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXXCredit Card Account>>In regards to the reporting of of unverified and inaccurate information reporting on my Consumer Credit Report furnished by Transunion LLC>>Please BE advised that this is my second request regarding the the aforementioned account. The unverified account information remains on my consumer credit report furnished by your company in violation of Federal Law. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C. 1681n, allow for punitive damages for the willful noncompliance with the FCRA.>> Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.>> In the results of your first investigation submitted via your online Dispute Center, you stated the following>> The item you disputed has been updated, which may include an update to the disputed information.>> Who verified this account information as accurate? Who verified that the information reported '' is accurate? >> You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.>> The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.>> If you fail to comply with FCRA procedures for dealing with this disputed Public Record and  instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter. >> If your offices can not provide the proper verifiable documentation, I demand the aforementioned Public Record be deleted immediately.>> Transunion has continued to report the following unverified and inaccurate information : 1 ) 30-day late payments ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) >> 2 ) 60-day late payment ( XX/XX/XXXX ) >>