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

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of 2018 of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations.

You failed to investigate this account properly and your neglect has violated my rights.

I am demanding a deletion of the Following account
.

Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX  XXXX  I never heard of Im a XXXX XXXX  XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXXXXXX {$550.00} {$350.00} 158 % Revolving Negative XX/XX/XXXXXXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Debt collection

I believe one of my family used my information to acquire cable internet from two different companies. I had recently turned XXXX at the time of this transaction. I was still finishing up my XXXX XXXX of high school. I didn't have a job. how can I sign up for two different cable providers? Became aware of this claim from XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx. 
XXXX XXXX XX/XX/year> Mike Carlson Motor Co XXXX XXXX XXXX XXXX, Tx XXXX Subject : Cease and Desist Communication Regarding Alleged Debt Dear Mike Carlson Motor Co, This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter.

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I'm a veteran I have already used my VA benefits to buy one home, so I decided to use it to buy another home with Rocket Mortgage. I submitted all the necessary bank statements and proof of Income, along with all other requested documents by Rocket Mortgage, so they sent me out a Pre-Approval Letter. The Pre-Approval Letter was to be updated to an Approval Letter after Underwriting had verified all the support documents and signed off on the loan. Shortly after I received an Approval Letter stating it was signed off by Underwriting and a {$1000.00} dollar guaranteed to close document as well. After I received that letter, I found a house after I identify the house, I received a call from XXXX Money of Rocket Mortgage stated that my Approval was being retracted because my income was growing too fast for 2022. So, I ask what does that mean? XXXX, said that was what she was told by Underwriting she told me to call Customer Service which I did, and they stated the same reason. My Income is in the form of a Clergy Housing Allowance which was verified by my Employer, Bank Statements, Three years of Tax Returns along with XXXX XXXX XXXX XXXX as per the IRS guidelines. This has damaged my credit and my reputation along with causing me undue hardship due to a loss of potential Income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX in 2020. It was in the shop more than 4+ times for the same problem, so the vehicle went back under the AZ Lemon Law. Chrysler Capital paid me for the return of the vehicle. Chrysler sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. XXXX is still showing the account as open with a $ 10+K balance. Chrysler gave me a letter to give to XXXX to have the credit report corrected.
Product: Debt collection

My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXX Bank and Portfolio Recovery Associates. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Product: Mortgage

As per conversation with my mortgage servicing company ( Carrington Mortgage Services , LLC ) on XX/XX/2021, I qualified for the COVID19 FHA Standalone Loan Modification, no documents required. As of then I have been calling on a weekly basis the loss mitigation department & every representative says the same. Its in review & waiting on the title. Although on XX/XX/XXXX with a conversation with a representative advised that they have had the title since XX/XX/2021. Called again on XX/XX/2021 & the representative said it is in review & they do not have the title. 
I am in a position to resume my mortgage payments but I can not get anyone at Carrington to finalize my loan modification.
Product: Credit card or prepaid card

The selections stated are not accurate but the best answer with the selections given. 
TD Bank Retail Services is doing the financing for XXXX. 48 months no interest, minimum payments. XXXX requirements is your Billing and Mailing address must be the same. That is not possible as the community I live in does NOT receive XXXX mail. They will not accept XXXX XXXX. I call XXXX and there is nothing they could do. Also due to COVID-19 I am not in primary residence. The TV was not for my primary home either. I was told to call TD Bank and have them update my address. TD Bank Retail Services Number XXXX. You try calling to see if you can get through. How can they be in business if they don't pick up the phone and assist their customers? No email either. Only XXXX. I spoke with XXXX # XXXX. The only person I spoke with he called me and advised me to place the order and then change the address. 
from XXXX on hold each time 4-5 hours, NEVER spoke with someone, always disconnected. TD bank could no update my address until I have an account. The only way to have an account was to place the order. I was told by TD Bank to place the order and the call back to amend the address. I called and called 5 times all on hold 5-8 hours and NEVER speaking with someone from XXXX. The items were shipped before I could speak with anyone. I am 125 miles away form the shipping address and out of state. Many restrictions on leaving and entering states ( NY, NJ & PA ) Also the TV was too big to fit in my car and drive it back 125 miles. The address was finally updated after the fact. I had to get some to return the items for XXXX shipping. Not an easy task at all. Also the delivery was restricted so I could not change the delivery address nor could XXXX. I called many TD offices, and department and nobody could help me except that department " TD Bank Retail Services ''. They did not have an internal number to call so a few kind individuals called on their line while I was on hold. Again could not speak with anyone. I had to wait until the products were retuned so I could re-order. Now I have the bill with the incorrect amounts with late fee. I want a refund of the late fee. I have been on hold now for 2 1/2 and I am hanging up. I have contacted TD Bank again thought XXXX now was well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for two years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.
Product: Student loan

On XX/XX/XXXX I noticed on my credit report a 90 late payment notice that was the 1st time I noticed the name Navient, after calling them i found out that they took over my loan XX/XX/XXXX, but no one from Navient reached out to me to setup payments arrangements no agreements was signed nothing until I reached out to them on XX/XX/XXXX and then I gave them my phone number and email address, I asked if there was away to remove the negative reporting on my and report allow me to make payments to bring my account current since XX/XX/XXXX was the 1st time I spoke to someone from Navient, customer service had no response for why no one reached out to me sooner expect that they didn't have my contact info on file, I asked to speak to a supervisor and since XX/XX/XXXX to now XX/XX/XXXX I have been unable to speak to a supervisor about my account, I want to be able to make payment arrangement that I can afford and at the same time since I made the initial contact remove the negative 90 day late payment off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote to XXXX XXXX, Equifax, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX 2 ) I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
3 ) I work at XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is an address on my credit report where Ive never lived
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company to let them know I do NOT agree with the false reporting of these accounts and this is still reporting on all of my credit reports. Per FCRA 15 USC 1681 my privacy rights have been violated I demand an immediate response or I will be contacting my Texas State Attorney General and federal courts. 
SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00} I believe it was reporting in error.
Product: Mortgage

The borrower 's was notified of a Trustee Sale scheduled on XX/XX/2016. They received a notice on/before XX/XX/2016. When they contacted the lender to request Mortgage Assistance on XX/XX/2016, they were informed by the lender that they needed 37 days prior to the Sale date to consider any mortgage assistance options. Consequently, the borrower asked the representative why were n't they provided the notice at least 37 days before the Sale date so they have had enough time to request mortgage assistance. The representative said that that was something that they were not required to do and that the Sale date will go through as scheduled unless there was a purchase offer submitted for the property, and even if there was, they may not be able to postpone the Sale date.
Product: Debt collection

I would like this debt removed from my credit reports. I am disputing owing any and all debts to them. I am also revoking all rights of them communicating with me through email/text/calls. 
12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) : These regulations prohibit collection agencies from furnishing false or misleading information to credit reporting agencies. You can dispute the collection if it contains inaccurate details. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I would also like to request a debt validation and purchase agreement from the original creditor. I also want them to furnish proof that they are licensed and bonded. 
The debt has not been accurately reported so It needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I deposited a check to my XXXX XXXX XXXX checking account amounting to $ XXXX on XX/XX/XXXX from my XXXX checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted XXXX and they said I have no stop payments but XXXX XXXX XXXX is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at XXXX has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to XXXX XXXX XXXX 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at XXXX, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by XXXX XXXX XXXX 's fraud. My credit score is XXXX, now it dropped to XXXX.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of Fraud and Identity Theft [ as defined pursuant to 15 USC 1681a ( q ) ( 3 ) and 18 U.S.Code 1028 ]. On XX/XX/year>, XX/XX/year>, and XX/XX/year>, consumer reporting agency, Experian failed to provide the supporting documentation and verification under 15 U.S.C. 1681i - FCRA 611 ( a ) ( 7 ) documentation regarding procedures, proof, and identity of the person ( s ) reporting this account. The following account is fraudulent and being reported in unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous, damaging information was not removed from my credit file. XXXX, XXXX, Equifax did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Product: Credit card or prepaid card

Capital One ; In XX/XX/XXXXpromised to process my refund in amount of {$400.00} in a certain time frame of 7-10 days, Capital One, has not delivered on their promise as to date, they have reported negative account information, and have not contractually the obligation of full disclosure, including A/R and A/P of account and has not disclosed in tax information, original contractual agreement, insurance polices etc.. which mean contract is void by their breach/ failure to perform.
Product: Checking or savings account

I had a free account for a long time. 

One day i checked my account and find that they started charging charging me a platform fee, without my knowledge or permission. 

This fee is being withdrawn from my account without my knowledge or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -EXPERIAN BUSINESS CRED XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I WAS CHARGED A HIGHER INTEREST RATE BY HONDA FINANCIAL SERVICES BECAUSE I AM XXXX AND WAS DISCRIMINATED AGAINST AND WAS ALSO CHARGED GAP INSURANCE WITHOUT MY CONSENT AND TOLD I HAD TO HAVE IT IF I WANTED THE CAR. THIS ALL HAPPENED AT XXXX XXXX OF XXXX.
Product: Debt collection

The company didn't send me what I asked for in the letter of cease and desist and the letter of verification. They sent me a bill with an address I never lived at. ( Proof is in the attachments ) To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided.

None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Checking or savings account

Chime had my money hostage since Friday I sent all documents needed no one is helping the rep hung up on me I need the money to take care of my kids I dont have no money for gas or food This is causing me a very hard ship I cant get in touch with XXXX This is horrible
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 violated the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely 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 losses and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, Equifax, AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX  IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, Equifax, AND XXXX or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help