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

I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX   SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. XXXX SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND EQUIFAX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. ****** ) RECEIVED A LETTER FROM XXXX  STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.
Product: Mortgage

My original mortgage was purchased by Wells Fargo a couple of months after I closed on my home. I have been paying my mortgage payments for almost six years. I have been making additional principle payments to get to 78 % of the original loan amount so that I can drop the FHA mortgage insurance. I have contacted Wells Fargo twice in the past year to inquire the amount I need to get the principle down to and the process to make sure the insurance payments stop on time. I contacted them a week ago and this time they told me if I want to stop the insurance payments I would need to make an additional payment of {$2400.00}. They also said that my mortgage may be changed to protect the investors. Since this is an FHA mortgage I didn't think they could change the terms of my mortgage. It looks like they want to continue to charge me insurance payments even after the FHA insurance has stopped. How can I make sure Wells Fargo is following the FHA guidelines and I am protected?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 161a2 these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are in violation of my rights pursuant to 18 USC 8, I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4 I did not give written or verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents for evidence
Product: Mortgage

Dear Consumer Financial Protection Bureau Representative : Several week ago, an official from Banco Popular de Puerto Rico ( BPPR ) called me with some alternatives for the refinance of my actual Convectional Mortgage with BPPR, using the Federal HARP Program.
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The bank official offered several alternatives with different scenarios ( years and mortgage rate on interests ). During the call, I request a couple of days to decide with my family among the different refinance alternatives proposed by the Bank official. He promised to call me again in two days, and I promised him that in two days I will decide among the different alternatives proposed. In facts, I was very interested in refinance my current mortgage for a new mortgage for 15 years at 3.50 interest rate. This is one the alternatives offered by the official.
<P/>
The official NEVER call again. I need to refinance urgently, because the mortgage interests are changing rapidly. <P/> JXXXX XXXX XXXXs de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX
Product: Credit reporting or other personal consumer reports

I notice on my credit report there are inquiries that I did not authorized. I believe i'm a victim of identity theft because of this and would like these inquires to be removed from my credit report. 

XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, my debit card was stolen. Someone used my debit card to send money on XXXX. The XXXX account holder is not me. It is from a guy. I call XXXX and dispute the transaction was unknown charge. XXXX open the claim and investigation almost 5-10 days. After their investigation, they said that payment is not made by me. They will refund money to my debit card but the refund was stuck on Chase bank. The reason is Chase had to close my account because chase said the payment is authorized by me. It is not unfair. XXXX said the money is ready to refund to me but when they send back money, Chase declined. I called chase department, they ask me to tell XXXX send me the check but XXXX cant do that because in XXXX policy, if the payment is unauthorized from the holder of the card was using that payment, then when XXXX refund money, they just have only way to send money back to the debit card was stolen. This transaction was so big for me. Because it is {$3600.00}
Product: Payday loan, title loan, or personal loan

I opened this account around XX/XX/2018 when i first started payments were going well until my checking account was closed. After my checking account closed moneylion reported a late payment. I tried changing my payment methods online there no way too. I called no answer. I kept on trying to make contact for months i even sent in a letter by mail with new payment details and no answer. I sent a check by mail balance unchanged. They recently liquidated my investment account thats part of the moneylion membership/loan and they said i would just pay {$63.00}. Ive tried contacting to pay this amount and after numerous tries i got on the phone after waiting 2 hours and they told me i had to wait 60 days to pay off the rest that they would contact me themselves. Which is absurd theyre charging interest and just scamming and they said theres no way to change payment method and pay off loan now they want to make interest and falsely report to credit. Ive looked them up and a lot of people are saying they got scammed as well. I am looking for lawyers to help me and i want this removed completely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian credit reporting agency on XX/XX/2023 because I had disputed some items on my report and the dispute came as accurate they reported it back as the creditors reported as being accurate so when I try to dispute the items again they stated that I can't dispute them again without documentation so I ask did the creditors provide documentation to prove the debt was accurate I was told from an Experian representative that a creditor ( DOES NOT ). have to provide documentation that the only thing they need to say that it's accurate so my question to them was me as a consumer needs to provide documentation as to why the debt collection is not valid but the creditor does not need to provide documentation the representative reply with yes. I also informed the representative that I was recording the call as well she said OK and I understand I asked her several times was the debt validated she said no because they do not need to provide documentation as a creditor. I asked for the debt to be removed since it was a total of 3 collections she said I need to call those creditors and ask them to have it removed even though they never proved it as being accurate.
Product: Student loan

My account right now is in deferment. I have been making payments and I noticed my overall amount I owe has gone up. I looked into it and saw they upped my interest rate to 10 % on my lower loan. I had no idea. My loans are in deferment because I 'm currently in school and they increase my interest rates during this process. These rates are so high I will never be able to afford these and they did all this as my loans were in deferment, making all the money I have been putting down completely pointless. They are trying to make this impossible for me to ever pay back. They can not increase my interest rates whenever they like to such high amounts that I cant even afford anymore.
Product: Mortgage

I can not reach ANYONE at 5th third bank. No ability to go online to even register without a " Pin Number '' which I do not have. I am not receiving any monthly statements on my HELOC.
Product: Checking or savings account

Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/ 2021 and XX/XX/ 2021. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XXXX XXXX, 2021 but I received no response to the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX sent a letter to me and to experian to remove a late payment from XX/XX/2020 and they openly admitted to making a mistake on my credit report. I have a document to prove it as well.
Product: Debt collection

This Debt was from back in 2002. It is was past the statute of limitations according to law. I would like for Portfolio Recovery Services to Cease ALL calls to my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.
Product: Debt collection

TO JEFFERSON CAPITAL YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST JEFFERSON CAPITAL BECAUSE THEY ARE THE ] COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.
Product: Checking or savings account

XX/XX/year> my bank account was overdrawn and incurred multiple late fees. I have contacted the bank to see if there was anything they could do for me since I am newly a XXXX veteran. I have not got a response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an inaccurate account reported on my credit file by Southwest Credit Systems. This account does not belong to me and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. 

Details of the Disputed Account : Creditor Name : Southwest Credit Systems Account Balance : {$56.00} Date Opened : XX/XX/XXXX Statement of Dispute : I have no knowledge of this account, nor did I authorize its opening. Under XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ), I request an immediate investigation into this matter. Additionally, XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) prohibits data furnishers from reporting inaccurate or unverified information. Any continued misreporting of this account is a violation of my rights. 

Actions Taken : On XX/XX/XXXX I contacted Southwest Credit Systems to dispute the validity of this account.

The company has failed to provide sufficient evidence verifying my liability for this debt. 
I have also submitted disputes with the credit bureaus under XXXX U.S.C. XXXX ( a ) ( 5 ) ( A ), which requires the removal of unverifiable information.
Product: Debt collection

Dear Hunter Warfield I recently received a debt collection notice from your office. I am writing to verify 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 original 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. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors 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
Product: Vehicle loan or lease

In XXXX of 2019, I had inquired about a new vehicle purchase at my local dealership. I had been in contact with a formal sales representative i worked with in the past. He acknowledged that for the purchase of the new vehicle that I would have minimal negative equity and the dealership would cover the rest. On XX/XX/2019 I made the purchase at the dealership. When signing the paperwork, the sales representative did not disclose how much negative equity would go into the new loan. Also, no further explanation of how much my payment would go up and why. I had been lied to or mislead with false advertisements and word of mouth by the sales team. On XX/XX/2019 I attempted to return the vehicle back to the dealership. But had been lied to that it could not be returned when in fact it could have been turned in by a manufacturer purchase deal. I attempted to go through the company on how to return the vehicle but no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a public reporting with Experian which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Experian for them to review and update my file and delete their public reporting to match XXXX XXXX. Experian refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. 
XXXX XXXX update reporting came to me on XX/XX/2020 Experian finalized their " investigation '' for my dispute and updated me with NO changes on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I sent notice to DISCOVER to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed DISCOVER that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with DISCOVER. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account ending XXXX )
Product: Credit card

I purchased a jacket on XXXX for around XXXX USD on XX/XX/year>, with order number XXXX. After placing the order, I contacted the seller to request a cancellation, but they informed me it had already been shipped. Upon receiving the item, I noticed it was not as described and had damage in the neck area. I promptly returned the item to the seller. Although the seller has received the returned item, they refused to issue a refund, citing their no-returns policy, which I hadn't noticed during the purchase. According to XXXX 's Money Back Guarantee, I believe I am entitled to a refund for receiving a damaged item. 

I also opened a dispute with Capital One with the case number XXXX, but they did not issue a refund either. They asked for additional documents which I provided, but I have not heard back from them. I am also attaching supporting documents here. 

Now, I find myself in a situation where I no longer have the item, yet I am still being charged for it. I am unsure how to proceed to recover the money I paid for an item I do not owe. Your assistance in resolving this matter would be greatly appreciated.
Product: Credit card or prepaid card

In late XXXX of 2020 I booked 2 tickets for round trip to XXXX for XX/XX/2020. When the global pandemic of COVID19 grounded all international flights I contacted the website ( XXXX ) where I purchased my tickets about a refund. They told me I had to request it from the airline, so I contacted the airline ( XXXX, who were the ones who charged my card ) and requested a refund. They told me I had to request it from XXXX. I was in the middle of this back and forth for months. I then reached out to Chase for assistance in getting a refund but my claim was denied and the charges were deemed valid Im not disputing the validity of the charges, Im requesting a refund because travel outside the US is not feasible at the moment or for the foreseeable future.
Product: Checking or savings account

PNC Bank in XXXX, North Carolina, has closed its doors and requiring locals to drive between 12 and 18 miles to go to an open branch. They are using Covid 19 as an excuse. Consequently, the elderly, the working poor and those without transportation are now precluded from conducting financial transactions. Exactly how can people deposit the stimulus checks when the bank is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/ account # XXXX was opened under my name without my knowledge or consent and was used and left a XXXX balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Vehicle loan or lease

I have called the multiple of times and they keep denying me. I have also asked to speak to the managers to resolve the issue. This happened XXXX months ago I don't know the exact date. I have been trying to work out a payment plan with the company. The new company is west lake portfolio. They are telling me. I still owe them the amount of money that I started with when I first bought the car. I have been paying on the car for almost XXXX years and I still owe XXXX XXXX dollars on the car. The car is now worth XXXX XXXX XXXX XXXX and XXXX XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion XXXX XXXX  CRA & # XXXX ; XXXX On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Method of Verification letter was mailed certified to Transunion XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Transunion on XX/XX/2020. They did not respond within the 15-day time limit. I mailed a 2nd certified letter to Transunion XX/XX/2020 requesting them to delete the inaccurate bankruptcy. On XX/XX/2020 I received a letter in the mail stating they are not removing the inaccurate bankruptcy and that they verified it as accurate. Transunion has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a validation letter including HIPAA authorization. 
XX/XX/XXXX I received a response from Professional finance stating they included complete billing statements, including payments. ( which they did not include any billing statements ) They FAILED to provide HIPAA Release form signed by me.

They are in direct violation of 15 USC 1692 ( g ) Section 809 ( b ) Failing to validate a debt as allowed to the debtor and they violated My rights under HIPAA, as I never signed a HIPAA release form. 

I sent a follow up letter in XX/XX/XXXX, and Ive received no response and the accounts are still reporting on my credit bureau. 

Ive attached all supporting documentation