23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt. 

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas. 

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I requested that CHASE BANK/Credit Card Company update the balance to XXXX on all my credit bureau XXXX XXXX after I settled and paid off a XXXX debt on ( XXXX ) separate credit cards that had already been written off, charged off, and out of XXXX  XXXX XXXX of limitations, despite paying off these in cash at a local Chase Bank. They have been giving me a run around from my numerous requests to update these two credit card balances to {$0.00}. I have disputed this XXXX times with no resolution from XXXX, XXXX, XXXX, and XXXX, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
Product: Bank account or service

Back on 2005, We refinanced our home loan with XXXX XXXX, and Fidelity NationalTitle Group was our title company, and we never got the HUD statement at the time of closing and when we finally received a copy of the HUD1, and disbursement ledger it shows with out our signatures and also it reflects that the sum of {$51000.00} as paid to us from the closings preceeds. We have not recollection of ever receiving or negotiating a check in this amount from Fidelity National, and the reason that I 'm filling a complaint is because Fidelity and XXXX XXXX wo n't help. 
I respectfully request a invesigation into this matter and demand a proof where the funds are. Please help me!
Product: Credit card

I purchased a wooden trunk while traveling in XXXX with my credit card thinking it would be covered by purchase protection. The merchant arranged the shipping to the USA. It arrived months late, broken, dirty, and damaged. I reached out to the merchant myself on multiple occasions and they did not respond. I filed a claim with chase when I returned from my trip, and they did not reimburse me as they should have. They also did not respond to multiple requests explaining why my claim was denied. Chase says they reached out to the merchant on my behalf, but they are not offering any purchase protection on their end as they promised me. I feel like I have been cheated and lied to regarding purchase protection.
Product: Checking or savings account

MM Svgs acct ending in XXXX was opened XX/XX/2021 per the bank 's promo code XXXX, which required depositing {$10000.00} into the account and maintaining that balance for 60 days, after which a {$100.00} promo bonus would be deposited to the account. Initial {$2500.00} deposit made on XX/XX/XXXX. Cust Svc Rep supervisor XXXX said on XX/XX/XXXX ok to make balance of deposit within a month. I made {$7500.00} deposit on XX/XX/XXXX and maintained the {$10000.00} balance till XX/XX/XXXX. I sent a Secure Msg using People 's United Bank online system on XX/XX/XXXX asking when {$100.00} promo would be paid to my acct. Received response next day that Cust Svc Rep would contact me. On XX/XX/XXXX CSR XXXX told me promo would not be paid because {$10000.00} deposit was made in two parts. I stated that requirement was no where in the promo Terms and Conditions and requested {$100.00} promo be deposited to my account. No action was done by the bank to meet this request.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my Capital One Account and noticed that the company closed two of my account with Open balances. I called the company and they advised me that they closed my account due to usage violations that are against Capital One 's Customer Agreement. I called them and explained that the adverse action they took against me violates my rights Under The Equal Credit Opportunity Act Section 1002.5 ( a ) ( c ). This states that IN THE ABSENCE OF EVIDENCE OF THE APPLICATS INABILITY OR UNWILLINGESS TO REPAY, they can deny me an extension of my credit. I have provided proof and documentation that shows I have never been late or missed a payment. Capital One also violated The Equal Credit Opp. Act Section 1002.5 ( a ). I requested my Credit Card Terms & Agreement Via internet Also by phone and was denied access. Capital One is in Violation of the Truth in Lending Act 15 USC 1602 K. Capital One never gave me adequate notice of the pertinent fact of the agreement that are clear a conspicuous and because of their failure to do so I couldn't understand its meaning. Capital One is in Violation of the Truth in Lending Act 15 USC 1601 ( a ). Informed use of credit. Capital One Failed to send a disclosure document that informed me of the cost of credit. Capital One is in Violation of The Truth in Lending Act 15 USC 1602 ( p ). I have not benefitted from this transaction with Capital One in any way. I have provided Proof of all claims and seek remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies XXXX  and Experian saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 the timely and efficient measures to prevent and address fraud on thier platform, leaving my account vulnerable and unprotected. Furthermore, thier 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: Vehicle loan or lease

In accordance with the fair credit reporting act, this creditor, Navy Federal Credit Union has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit car account under an open in consumer credit plan as late for any purpose.
Product: Debt collection

I have nothing to do with this debt collection or debt or invoice. They are calling random employees cell phone numbers trying to get someone to pay a " debt ''. I repeatedly told them to stop contacting me and to remove my number from a list and my cell phone to what they responded " good luck '' and that they will keep contacting me and not place me on a do not call list. They kept trying to bait me into saying that I knew something about this " debt ''. When in fact I am not related to or have anything to do with it. Even when I called the company directly to remove my number from there list I was given an extremely hard time about telling them to stop contacting my cell phone. 

The first rep thought it was funny to place me on hold and play music instead. Real piece of work this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled an account with XXXXXXXX XXXX XXXX. Disputed findings with Experian and Experian states their research and feedback from XXXX leaves account information unchanged. I called XXXX and they indicated they sent and/or will send correct reporting. As of today, the report shows I have a balance and collection is still active. 

Experian Dispute # XXXX Closed XX/XX/2022 I provided letters from XXXX showing account balance is XXXX and account is settled. 
Experian 's response on dispute is unchanged and unable to re-dispute because they consider this a duplicate request. 

XXXX Is still reporting : Status : Collection account. {$1.00}, XXXX past due as of XX/XX/2022.
Product: Credit card or prepaid card

Wed, XX/XX/XXXX at XXXX XXXX  On XX/XX/XXXX I acquired a prepaid debit card at my local grocery store for my child and registered the account via email. I never used it. The only information I have at this point is that the card ends in XXXX. Since that time I have received emails reporting my 'monthly statement is available ' but I have not been able to access the account to see what if any monthly charges have been made. 

Additionally, I lost the card and so did not have the XXXX digit number when attempting to log into my account or reset the password which never worked. ( For some reason the password information I had originally saved did not work. ) I have been unable to reset the password despite multiple attempts including on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I also called both of the XXXX numbers affiliated with serve ( XXXX & XXXX ) on these dates and they do not recognize my Social Security number so I am not able to request a password reset that way either. My statement reminders come in a no-reply email and there is no contact email for the company anywhere on the Internet ; neither is there any chat option. 

I have been unable to reach them for a year and I want to close the account. I DO NOT WANT this card/account. I am unable to reach anyone to cancel. Can not access a person/option via phone, no online chat available, no email available. I want to cancel and be refunded any money I loaded onto the card when I purchased it.
Product: Debt collection

I have been receiving a call every day from this phone number starting XXXX weeks ago. Every time I pick up the phone, either the other party hung up or not said a word. I searched on the internet and found that it is a debt collecting company. I do n't own any debts so I never bothered to call back. I also blocked incoming calls from this number because it is very annoying! At a result, they just leave me a XXXX second long empty voice mail everyday. Seems like many people on the internet have suffered through their harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain Equifax full credit report to dispute an item creating ecnomic hardship. 
I went to the website and tried to find the " disputes '' page, but " page not found. '' Or when I tried to login, the website refused to accept my password ( they were right ) so i had to change it ; then I logged in and still could not access my credit report to dispute an item. Then I logged out, tried logging in again, ended up again on a page " file not found. '' So I just tried to access the full credit report and ended up at the payment page. Allegedly credit reporting bureaus are providing free credit reports during the COVI19 pandemic, this is a scam to get people to pay for what was once a free service to dispute items on credit report and obtain full credit reports for this purpose.
Product: Credit reporting

I file a dispute with Equifax regarding some public record judgements that did not belong to me and they stated the information was verified by the courts and public record information. After speaking with the courts about the verification they stated that they do not verify information and that sometime the bureaus may send someone to verify but the only information they can verify is the name because they do not record addresses or personal information in most cases. 
I then spoke with XXXX XXXX at Equifax about how they verify information, he then stated they send it through the electronic system, my question to him was if its done electronic how can you verify it because personal information is not public record and that all the information such as name, address, date of birth and social security has to match up, he continue to say its public record, there was no real answer but they continue to use the same information that was previous disputed.
Product: Checking or savings account

An account was opened in my name with Chime. I received a debit card in the mail and called to cancel on XX/XX/XXXX. The account had XXXX balance and was closed..
Product: Debt collection

Regional finance from XXXX XXXX XXXX  took me to justice of the peace in XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and case was dismissed in my favor in XXXX for failure to prove or support debt and no paperwork on the debt. Since then I have moved to XXXX in XXXX. In XXXX a debt collector called and threatened me with having me arrested for fraud and identity theft and theft by deception. And now today I was called again they said I was delivered papers from court in XXXX XXXX and had a judgement against me for fraud, I never received any correspondence, or notice to attend court or of any pending charges or Judgements against me also they had my name and social but a completely incorrect birthdate and are saying they are having me arrested for fraud. They called from number XXXX XXXX debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and she laughed at me and said good luck in jail
Product: Credit card or prepaid card

Hello, I stayed in a hotel in XXXX, OH in XXXX of 2021, despite my digital receipt stating " breakfast for 2 is included in my stay '' it actually was not, I made a purchase on a third-party website it's called XXXX just prior to coming and addressed my disappointment to a front desk clerk who stated that information on what's included and what's not is often updated on a hotel website and this site XXXX failed to do so, he advised me to contact XXXX to resolve an issue. It was late night and I decided to email them expecting to receive a response by the next morning when I wake up but I never got a response. I did in fact email them 3 times but have gotten absolutely no response. Upon coming back to XXXX XXXX XXXX I felt really offended by them ignoring me and filed a dispute with Best Buy Credit Services who were requesting more evidence I even provided them with the hotel address and telephone for them to ensure I'm telling the truth but at the end, they said they can not recover money now because it has been too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXXimes challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX  year history it is not uniform across the board which it should be...
Product: Mortgage

This year I was in the process of transitioning all of my bank accounts from XXXX XXXX XXXX in North Dakota to a XXXX  in Rhode Island. During that time I successfully transitioned all of my payroll and auto bill pay processes to the new bank account, expect for one : a home mortgage that is managed by Lakeview Loan Servicing. 

While changing the bank information for my mortgage autopay on the Lakeview Loan Servicing website I inadvertently input the wrong bank account number into the websites field requiring bank information. Due to this error, my mortgage was not paid during the month of XXXX. After learning about this, I navigated to the Lakeview Loan Servicing website to attempt to make a manual payment, which I did. However, I was still unaware that my bank account information was erroneously entered on the website. I did not receive communication, either via postal mail or via email, from Lakeview Loan Servicing that my payments were unsuccessful. 

In XXXX I re-reviewed my bank statement and learned that my mortgage payment was not submitted. That is when I learned that my bank account information was erroneously added to my account. That is why on XX/XX/XXXX I called Lakeview Loan Servicing to work with the servicer to resolve my situation. On that date I made my XX/XX/year> mortgage payment. The customer service representative informed me to call back on XX/XX/XXXX to make the second mortgage payment. 

After contacting the servicer to make this second payment I was informed that I am not allowed to make a payment online because my previously attempted payments were not successful. Instead, I am required to submit a payment via XXXX XXXX for XXXX consecutive months. The Lakeview Loan Servicing website does not feature instructions for making these payments. When I asked a customer service representative to email me the instructions, I was informed that it was not possible to do so.
Product: Student loan

I have been repaying on my private student loans for the last 6 years and when economic hardship fell upon my family, I had defaulted on XXXX my smaller loans. The loan did get paid off but this has effected my credit score as well as my parents and when trying to talk with representatives from the private loan institutions no one is willing to talk or help take care of any of issues or terms of repayment to ease the monthly financial burden. There are no options and the debt burden on myself as well as my parents who are cosigners is effecting everything in our lives. When asked if the terms could be changed or allowed for my cosigner parents to be released from my loans after so many consecutive on time payments, the idea was completly dismissed. Its so frustrating and upsetting that there is no relief or willingness to help elevate the burden that so many people are facing with student loan debt. How are you to repay your loans when the whole system is set up for you to most likely fail, the uncertainties of life can not be managed and accounted always and its unfair for students trying to better their lives and living situations to be stifled so much from being able to live. It 's no longer just that individual persons problem it is a problem that is effecting many aspects of families as well as the economic growth of a generation that ca n't truly establish themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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: Debt collection

XXXX XXXX threatened to sue me for a debt. This was not even owed by me. I got numerous emails threatening to sue and calling themselves investigators just to appear threatening.
Product: Consumer Loan

Lobel Financial increased the amount showing for a charge-off on my credit report from {$6900.00} to {$12000.00} without reason. During a phone conversation with XXXX in the legal department on XXXX at XXXX she explained that I had paid the balance of the vehicle down to {$6900.00} and the vehicle was sold at auction for {$3500.00} which meant the balance should never had doubled on my credit report. I never received a notice that the vehicle would be sold at auction and the vehicle was returned in XXXX of XXXX. Also, they never sent me a surplus deficiency letter, so I did n't know if they required me to pay an additional balance. The information that Lobel Financial is reporting on my credit report is inaccurate and must be removed according to being in violation of the FCRA. I would like to have this removed from my credit report because I feel that Lobel is being deceptive.
Product: Credit reporting or other personal consumer reports

Experian has blocked the last 28 years of my perfect credit history it is only showing in my file but not being reported at all, I have had over 15 credit cards but this report only let 's me see these accounts none of these accounts are being reported when my Experian is pulled but they keep emailing me asking me to pay a monthly fee and they will report everything This is fraud period I earned all the credit I have had over 28 years and I am demanding that these accounts start to show again this is a scam to get me to pay them monthly to report accurate info totally unexceptable!! 
My accounts are on Experian soon as I log in I just need to click to open them up they are being blocked from reports!!!
Product: Debt collection

Ive asked this company to stop calling me and that Ill pay it when I get the money. They call me at Lea 3 times a week.