23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. I called TransUnion and their customer service agents were horrible. I talked to 3 different people and basically was told they know what happened but basically to file a complaint because they were n't going to fix it. This is a serious violation of the FCRA, and I reserve the right to pursue further action. TransUnion may avoid such action by immediately deleting this listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided to XXXX, XXXX  and Transunion, proof that I have never been late on my XXXX  accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Product: Debt collection

This issue was restocked one in CFPB complaint against XXXX. After removing fraudulent overdraft charges, XXXX turned around and readded then intentionally knowing that the CFPB would recognize this as a resolved complaint, and not move forward. This is the debt collection agency that XXXX BANK did the {$130.00} of overdraft charges that were from transactions with NON SUFFICIENT FUNDS IN THE ACCOUNT AND THE DEFAULT SETTING WAS FOR REFUSE TRANSACTIONS WHERE THERE IS NOT SUFFICIENT FUNDS... ON A DEBIT ACCOUNT. " SPOTTING '' me the money IS A LOAN. I DID NOT APPROVE OF A LOAN OR THE UNAUTHORIZED TRANSACTIONS FROM XXXX AND XXXX THAT XXXX BANK APPROVED ON A ACCOUNT WITH INSUFFICIENT FUNDS
Product: Student loan

Mohela has not been sending me statement and also have delayed the processing of my student loan forgiveness. It has been over 12 weeks since the forms were sent back and showing that my company was approved and still I have not recieved any updates or any type of information.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of XXXX, but XXXX claims that we have a loan with them. We do not. We dispute any amount that XXXX says is due. XXXX failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) XXXX failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with XXXX or XXXX and XXXXXXXX XXXX alleged record is fictitious. We accept the absence of debt as the reason for XXXX 's failure to file the Form 1099-C with the IRS. If XXXX continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX XXXX and all of the XXXX agents who have called us despite our issuing a cease and desist order and notifying XXXX that we are on a Federal Do Not Call List. 

4 ) XXXX has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXX XXXX XXXX XXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court in XXXX, 5 US. XXXX is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making XXXXXXXX XXXX actions based on presumption and a crime. 

6 ) XXXX is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) XXXX made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand XXXX to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against XXXX with penalties.
Product: Mortgage

We have been working with Upstate Premier Mortgage for over a year and the broker, XXXX XXXX has promised closing daily until XXXX XXXX was hacked and delayed the closing because their system was shut down. I believe XXXX XXXX and his company have been involved in fraudulent activity. My personal checking account was also hacked and our credit has suffered immensely.
Product: Mortgage

I refinanced my mortgage through New American Funding in XXXX. At that time, my payment was set up for monthly autopay with funds being withdrawn on the XXXX of each month. 

This past XXXX, the payment was generated two days early - on the XXXX, which then put my account into overdraft. 

I called New American Funding on the XXXX to find out why the funds were pulled two days early. The customer service representative told me I would need to submit my question online and to include proof of the withdrawal. I sent an email to " XXXX '' and included a screen print of my checking account showing the early date the funds were pulled, and my account with a negative balance. That amount would have been higher had I not transferred funds from another account. 

New American Funding 's response : Thank you for your inquiry. Normally the transaction would not take place until the scheduled time and we are not sure why they tried to take it on the XXXX of XXXX. We have you set up for the XXXX every month. 

We have received your bank information and forwarded it to our Cash department for review. Please allow them until the XXXX of XXXX to complete their review and provide us with an update. 

I received no reply, so I sent another email on XX/XX/XXXX asking them to provide me with the findings from their cash departments review. I had hoped to have an answer by now. 

New American Funding 's response : Thank you for your attention to this matter. 

We have submitted a follow-up request to our Cashiering Department to research why the XX/XX/XXXX ACH debit was processed and cashed prior to the scheduled debit date. An update on this research will be available by XX/XX/XXXX. 

Once again, no reply. 

This has me very concerned. I authorized my payment to be set up for autopay to make it simpler for both New American Funding and for me. But pulling the funds prior to the date we had agreed upon is not right. Is it even legal? Will it happen again?
Product: Debt collection

National Credit Adjusters , LLC Subject : Cease and Desist Communication Dear Sir/Madam, I am writing to formally demand that National Credit Adjusters , LLC ( hereinafter referred to as " NCA '' ) immediately cease and desist any further communication with me in relation to the reference number XXXX. Failure to comply with this request will be considered an acceptance of XXXX XXXX XXXX Terms and Conditions. 

I would like to bring to your attention that, as of [ Sun, XXXX ], there is no existing contract or agreement between myself and NCA . Therefore, any attempt to contact me or pursue any form of collection or legal action without a valid contract or legal basis is a violation of my rights.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all communication with me regarding this matter. Pursuant to this right, I hereby demand that NCA immediately discontinue all communication with me, including but not limited to phone calls, letters, emails, text messages, and any other form of communication. 

Furthermore, I insist that NCA cease and desist any actions that may negatively affect my credit rating or reputation. This includes reporting any inaccurate or misleading information to credit reporting agencies or engaging in any other activity that violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Please be aware that any further communication from NCA in relation to the reference number mentioned above will be considered a willful violation of my rights. Such violations may result in legal action being pursued against NCA, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages under the FDCPA and other applicable laws. 

I expect a written confirmation within ten ( 10 ) days of receiving this letter, acknowledging your receipt of this cease and desist request and your commitment to comply with its terms. Failure to respond or comply will be considered evidence of your refusal to adhere to the law. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to ensure compliance with this cease and desist request. Any future communication from NCA in relation to the reference number mentioned above will be considered harassment and will be dealt with accordingly. 

Sincerely, [ By Accommodation : XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX major credit bureaus, XXXX, Experian, and XXXX, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early winter XXXX I bought a frig thru Sears with 5 % reduction and 30 day return. I exchanged frig for a larger one with same t/c. My Sears account became a CITI account somewhere along the process. Early Spring I bought a XXXX gas range on same account as frig. Both on one year warranty. XX/XX/XXXX the range exploded and burned my house 100 %. No pmts after this. My view was Sears owed me new products or return of funds. CITI labeled me bad and my credit went from XXXX to near XXXX. CITI said it was a SEARS issue. Sears went into bankruptcy and did not handle warranty.

When Sears finally settled its court time, CITI had long ago called me a flake and turned me to collection. 

I hired XXXX  to fix my rating which they failed to do. Now, my getting credit is not possible with a bad record and my age, XXXX. 

I NEED DIRECTION XXXX XXXX
Product: Mortgage

I have asked Wells Fargo to stop calling me. They are harassing me. I do not have a history of delinquency.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ). The information in question is as follows : - Account Number : XXXX - Account Type : Installment Account - Joint Account : Yes - Status : Closed - Original Loan Amount : {$19000.00} - Payment Status : Various discrepancies as noted below Disputed Items : 1. Account Status : - Experian : Shows the account as " Paid or paying as agreed, '' yet lists it as " Paid, was past due 90 days '' on XX/XX/XXXX. 
- XXXX : Indicates the account status as " OK '' for most months but lists " 60 days past due '' for several months in XXXX. 

2. Payment History : - There are inconsistencies in the payment history provided by different credit bureaus. Specifically, XXXX shows some months as " 60 days past due '' while Experian and XXXX show " OK '' for the same months. 

3.Date of Last Payment : - There is conflicting information regarding the date of the last payment, with one report indicating it was made on XX/XX/XXXX, while another states it was XX/XX/XXXX. 

Reason for Dispute : According to the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The discrepancies outlined above indicate a failure to maintain accurate and consistent information. Additionally, per 15 U.S. Code 1681i, any item found to be inaccurate or unverifiable after a reinvestigation must be promptly deleted or modified. 

Request : I request an immediate investigation into these discrepancies. If, after your investigation, the information can not be verified as accurate, I request that the inaccurate information be deleted from my credit report. 

Enclosed are copies of my credit report highlighting the disputed items for your reference. Please provide me with a written statement of the results of your investigation and a free copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Checking or savings account

In XXXX of this year, I opened a CitiBank Account Package ( checking and savings account ) under a promotion offering {$400.00} when {$15000.00} new money was deposited in combination into the savings and checking account and the balance was maintained for XXXX calendar days. I deposited {$15000.00} in combination into both accounts on XX/XX/18 and maintained the balance into XXXX. Citi Personal Bankers have confirmed for me over the phone that I have met the requirements of the promotion as of XX/XX/18 ; however, I still have not received the bonus. XXXX days have now passed since I met the requirements. When I spoke to Citi Personal Bankers, on multiple occasions they have told me that the terms state the bonus will be paid ON the XXXX day following meeting the requirements ; however, I shared that the disclosure on the webpage for the offer states " ... you can earn a {$400.00} 'Cash Bonus ' which will be credited to your new Eligible Checking Account WITHIN XXXX ( XXXX ) calendar days from the date you complete all offer requirements. '' The Citi Personal Bankers acknowledged this disclosure ; however, they stated they never see the bonus deposited prior to XXXX   days. 

Since the disclosure states the bonus " will be paid WITHIN XXXX days '', and not " AT XXXX days '', I'd like to file a UDAAP complaint since I was expecting the bonus sooner than day XXXX. At the current moment, I must maintain the account open in its current status with the funds unable to be withdrawn or otherwise risk getting monthly maintenance fees withdrawn for going below the balance threshold, since if I close the account, change it to a different account that has a lower balance threshold, etc. will mean I will not receive the bonus since Citi states the account must be in original form at time of paying the bonus.
Product: Debt collection

I received a robocall on XX/XX/XXXX claiming it was in regard to a 'legal matter '. I returned the call from ( XXXX ) XXXX and had to ask them the company name 'Alternative Resolutions '. I was told something to the effect that they were mediators on behalf of XXXX XXXX XXXX XXXX. I expressed concerns as I did not recognize that debt & there is no such creditor on any of my credit reports ( I am on a monitoring service ). 

They informed me they were not a collection agency but are working to determine if I would settle or if their client would need to sue me for judgment. I told them I didn't know what this was about. I was told it was about some company XXXX   or XXXX. 

I pressed for more information and was met with resistance unless I was willing to settle the alleged debt ( this was an attempt to re-age an account that may have fallen outside the Statute of Limitations ). I was hung up on multiple times by a XXXX XXXX as I professed this to be a mistake and/or outside the Statute of Limitations and the allowed reporting statutes under Federal Law. She told me this debt was from XX/XX/2015. I asked for information so I could contact the creditor, they told me if I was willing to settle they would put me in touch with them. 

I asked for their address so I could document my intentions with them. I also requested a copy of the credit contract and details of the account, they refused to provide anything to me. On my 5th call, a representative named XXXX XXXX finally gave me an amount of {$3600.00} they claim is owed to their client. 

They told me I am required to resolve this under binding arbitration and that there had been a no appearance default judgment issued in Arizona. I checked with the State and County no such judgment has been entered against me. During the various calls, I was provided with misleading information in some cases as if they were trying to collect a debt and at others as mediators as well as the original call that gave the implication of a legal firm attempting to serve me. 

This company violated the protections of FDCPA by way of ; Identify themselves and notify the consumer : I had to ask for the name of the company and they refused to provide me a mailing address Give the name and address of the original creditor : They gave the name, but not the address & refused to give me a way to request this in writing Notify the consumer of their right to dispute the debt ( Section 809 ) : They told me I had no right to dispute this and that there was a default judgment, when pressed on that claim, I was told the judgment was pending issue for no show. 

Provide verification of the debt : They told me I wasn't entitled to this information. When I pressed on that, they said it would be provided to my lawyer in discovery. 

This is a very deceptive practice, with the intent to scare people into paying something they may not owe. I suspect it to be a SCAM ... furthermore, it is scary the information they had on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

I refinanced my home. I paid off the existing loan before the 30-day late period, yet my credit score has been hit with a 30-day late on the account. It has been a month and it is still there. They are saying I am paid in full and never late, yet my report still shows it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # NA has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions and crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a to any 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

This is my follow up complaint i filed last XXXX  days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 {$2500.00}, {$9800.00}, {$9500.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.