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

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being XXXX or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Product: Credit reporting, credit repair services, or other personal consumer reports

These consumer reporting agencies are reporting fraudulent and inaccurate information on my report and is violating my right to privacy under FCRA law 15 USC 1681b! 
There are reports showing that this account " XXXX XXXX XXXX XXXXXXXX '' has late payments which are inaccurate and each individual credit reporting has different late payment dates for this account which is inaccurate and fraudulent!
Product: Mortgage

I am a XXXX % XXXX veteran from the XXXX war. We purchased our home in XXXX, GA in XX/XX/XXXX. The original lender was Guaranteed Rate mortgage. In that same month ( XX/XX/XXXXXXXX  ), I filed for Homestead Tax exemption with my county, XXXX XXXX Georgia. The Homestead Tax exemption was approved ; however, I would have to wait until the next tax year started and appraisals were out ( XX/XX/XXXX ). I received my Homestead Exemption from XXXX XXXX tax assessor 's office on XX/XX/XXXX. I promptly faxed/emailed/and mailed Selene Finance Company a copy of this letter so that it would be applied to my mortgage and escrow account. After waiting until XX/XX/XXXX, I contacted Selene Finance to see if they have received my documents. They stated that they did not receive any documents. I then sent the documents again to Selene and they said they have all that they need to process this Homestead Exemption. XX/XX/XXXX, I contacted Selene Finance LP once again to see the status of my Homestead Exemption, as it was not reflecting on my mortgage statement. They stated that they needed to wait until " The taxes were released in XXXX for XXXX XXXX ''. I called my county tax assessor and county tax commissioners office this day, they stated that this information is false ; ALL TAX INFORMATION for XXXX had already been released -- hence the Homestead Exemption approval letter that I had received. I have spoken to supervisors, repeatedly from the Tax department, and also the Escrow department. They have no explanation as to why my Homestead Exemption has NOT been processed, they also have NO explanation as to why my mortgage is now {$1000.00} more a month. I can not afford to pay this mortgage on my income.
Product: Credit reporting or other personal consumer reports

This is my 4th time asking CFPB to help me dispute an account and requested from the credit bureau that is not just reporting inaccurate info but also it's charged off and this is not my account. I never received a 1099 C. I continue to get verified but no documents have been provided. My rights are being violated. I have included a copy of my driver license and social security card to validate my identity. I Filed a complaint with XXXX
Product: Mortgage

My mortgage company is Amerihome. On XX/XX/2021 a refund from escrow overage was issued in the amount of {$1500.00}. I have not received it. I have called many times to Amerihome about this with most unhelpful agents. 
2 weeks after it was issued I contacted them to say I have not received it. Was only told a " work order '' would be issued to research and stop the 1st check and send another one. I was also told that work order would be completed on XX/XX/XXXX. 
TodaXX/XX/2021 I called to get an update on the status and what a new check number would be and when it was sent. The CS rep said she would make a work order to research this issue and it would take another 7-10 business days. I explained this was already done and I would need to see a resolution and information on a new check issued. That was met with total resistance. 
They can not tell me the status of the original check # XXXX if it has been stopped which the work order was supposed to have done or so I have been led to believe, has it been cashed has it even been mailed? 
They have provided nothing but terrible non helpful customer service in helping resolve this. I am wanting my refund. It is a lot of money to this retired person. I have also started a search with the usps but to date they have not found anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian multiple times since XX/XX/2022 trying to get XXXX XXXX deleted from my report. I have also filed multiple disputes and they always come back certified as accurate. This last time on XX/XX/2022 ; I uploaded documents XXXX sent me which do not show that I have a legal obligation to pay this debt. It is not mine. They also did not provide all information they stated they had. Including a copy of my alleged drivers license that was used to secure the lease. I have received nothing showing i am responsible. Experian is giving me results within hours ( not even the full 30 days ), saying its valid. I do not feel they are properly investigating this dispute. XXXX and XXXX have both deleted it. I would also like the results of all of Experians investigations.
Product: Checking or savings account

While checking my personal report, which I acquired fromChexSystems, I noticed an Unknown Checking account made by your company XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. I did not authorized anyone employed by your company to make an inquiry and/or open the account under my information without my consent. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date of Birth ] Portfolio Recovery Associates [ Collection Agency Address, if known ] Date : [ Insert Date ] To Whom It May Concern, I am writing to formally dispute the alleged debt of {$240.00} associated with the account mentioned above, which is listed on my credit report under the original creditor XXXX XXXX XXXX XXXX  XXXX XXXX This dispute is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I request that you validate this debt.

Specifically, I request the following : 1. Proof of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, interest, fees, or charges applied.

3. Proof of your agencys authorization to collect this debt on behalf of the original creditor.

4. Proof of a contract with your agency, bearing my signature, that authorizes the collection of this alleged debt. 



Until you provide sufficient documentation to validate the debt, I request that you cease all collection activities, including reporting this account to credit bureaus such as XXXX, XXXX, and XXXX. 

Additionally, I have not authorized any release of my personal information to third parties. Sharing nonpublic personal information without authorization violates the Gramm-Leach-Bliley Act.

If you can not validate this debt, please remove this account from my credit reports immediately. Noncompliance will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office.

Please respond to this request in writing within 30 days of receiving this letter. I appreciate your cooperation in resolving this matter.

Sincerely, [ Your Full Name ] [ Your Contact Information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 XXXXXXXX XXXX indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.
Product: Mortgage

Our home was built in 2020 and we took possession in XXXX of that year. Shortly after this Freedom Mortgage purchased our mortgage. We were with Freedom for about 4 months when they contacted me and said a refinance was available to a lower rate. We started the process for the refinance and the monthly payment was significantly lower that what we were paying at the time so we went with it. My assumption, not knowing much about it and honestly, not reading all the paper work was the interest rate reduction coupled with what we had already paid the principal amount down to had lowered our payment that much. 

What I didn't realize is that Freedom had estimated our annual taxes for escrow to be {$1200.00} dollars for the entire year. This was the main reason our payment had dropped so much. There isn't a house in our county that is the size ours is that pays anywhere near {$1200.00} a year in property taxes. Our actual property taxes that we owe annually is generally between XXXX dollars. This gross underestimate on the part of Freedom resulted in our owing now close to 10,000 dollars in escrow fees to bring us back up to date in our escrow account.

Now admittedly, I understand that I should have asked more questions or read the fine print in all of those mortgage papers and there may not be anything you can do for my situation, but my concern is this is a common practice with Freedom or other mortgage companies. My concern is they are grossly underestimating the taxes in hopes that the buyer or refinance customer will not read all of the fine print and take the bait so to speak all in an effort to make a sale or refinance. The way that they estimated so grossly incorrect on our annual taxes is what makes me suspicious. 

I contacted the company to see what could be done and they said not much. They were willing to spread out the back escrow amount over 48 months so I am taking that option but nothing else could be done according to them. Thank you for your time and any help in this situation.
Product: Checking or savings account

I contacted TD bank to dispute a payment of {$160.00} with business XXXX. The seller declined doing my hair despite deposit being rendered, and refused to provide a refund. The deposit was sold to XXXX XXXX for my hair, and the seller refused to do my hair .TD bank has moved slowly and unfavorably to retrieve funds. This is an ongoing issue with this banking institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud alerts on my credit files with all 3 credit bureaus and I placed a freeze on my Equifax credit report along with locking my XXXX and XXXX. On XX/XX/2018 I was notified by XXXX   for an account that was flagged and placed on my credit report. This account was XXXX XXXX. I immediately disputed the account as fraudulent with all three bureaus. Equifax refuses to delete the fraudulent account even after submitting my identity theft report to them. I was never notified of this account by Equifax not was I ever sent a bill summary showing or a notice of my rights to dispute. I have disputed the account countless times with Equifax, I recently received mail from Equifax stating they wouldnt reinvestigate the account any further. I have also sent my Identity Theft report to XXXX XXXX. Equifax is now ignoring any further communication with me as a result of me disputing the account. I have sent certified mail to them of my identity theft report along with the letter the FTC told me to send including copy of credit report, drivers license, social security card and proof of residency. I do not have the right to be ignored by this credit reporting agency for thier poor job into the investigation of this account that is known the be from identity theft. I have submitted to them proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters to all 3 bureaus and final they have removed the false information from my consumer report since 2010. This account particular XXXX/XXXX- ( XXXX ) is in violation of 15usc 1692d. They have ruined my reputation for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Debt collection

I received a notice today from the courts. I looked it up and Portfolio Recovery / XXXX XXXX is suing me for a debt from XXXX. I saw this online. I never received any thing in the mail regarding any of this court stuff. Just this letter that came today that I missed. But it appears they are suing me. Statute of limitations is up. This is 9 years old.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX  for the amount of {$3000.00} XXXX XXXX  XXXX is fraudulent and I filed a FTC report. Please remove this account from my credit. 
15 USC 1681b Permissible Purpose.
Product: Vehicle loan or lease

My loan with this company has been paid off and ( despite countless phone calls ) they REFUSE to a ) send me the title and b ) report the loan as paid off to the credit bureaus.
Product: Mortgage

My home is being sold with a closing date of XXXX/XXXX/2017. I was sent a letter dated XXXX/XXXX/2017 saying my home loan was being transferred from XXXX Mortgage to Loancare a service link company effective XXXX/XXXX/2017. 

The closing title company called the new mortgage company about 7 days before closing to inform them that they would need a payoff statement from them on XXXX/XXXX/2017. This has not happened. I have contacted Loancare multiple times and been told that it may take XXXX10 business days before they are able to provide this, I have confirmed with them that interest is compounded daily and therefore this XXXX10 day delay will be costing me money because they are not able to give me a payoff statement. 

I have spoken with several individuals, several supervisors, and XXXX manager who do n't seem to care that my home closing is on XXXX/XXXX/2017 and simply say that it is bad timing, every time someone says they will call me back I do not get a call. There MUST be a way to create a loan payoff statement so that I am not charged beyond the date that I am willing to payoff my loan, if there is not IT IS THEFT!
Product: Debt collection

Credit Collection Services is attempting to collect for XXXX XXXX. 

XXXX XXXX is car insurance that I cancelledas I replaced ot with cheaper insurance with XXXX XXXX. 

I replied to the first collection letter disputing the accuracy of the account and they sent an Invoice. 

An invoice is not a proper validation of debt.
Product: Credit reporting or other personal consumer reports

I asked for the creditors to provide me with accurate info concerning these matters to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX XX/XX/2024 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against LVNV FUNDING LLC for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. LVNV FUNDING LLC has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXXXXXX XXXX for accounts XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with LVNV FUNDING LLC XXXX. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with LVNV FUNDING LLC proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. LVNV FUNDING LLC conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that LVNV FUNDING LLC take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If LVNV FUNDING LLC is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation. 

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had navy federal and my account got closed because of continued overdraft fees due to a delay in previous transactions taking to long to get cleared
Product: Debt collection

Dear ( TSI ) I recently received a debt collection notice from your office. I am writing to ve

rify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the origin
al creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.