23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. RE : your client XXXX XXXX XXXX, XXXX. Reference XXXX From : XXXX XXXX. Please take notice that on XX/XX/, I filed 4 multiple 25 + page comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX  which have been assigned 4 separate case numbers which I will seek to be resolved in hearings with separate arbitrators. XXXX was served on XX/XX/XXXX  with all my 4 individual case filings and XXXX  other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees as my consumer fees have been paid what is due. The arbitration cases relate to every one of my 4 XXXX accounts, including those that I have received notice that have been assigned to you as a Debt Collector, Including your files with reference numbers XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant in 4 separate cases. I strongly suggest that you promptly recommend to your client that you proceed with your own claims in its own separate arbitration demand filings, the forum required by the arbitration clause written by XXXX. I demand arbitration! I will not tolerate any frivolous attempts to litigate disputes in courts and I will automatically and permanently STAY any attempts to bypass arbitration by XXXX  filing court complaints. Lets Arbitrate! Sincerely XXXX XXXX
Product: Checking or savings account

I am a student. I have a student checking account. The Union Bank website claims that there is no charge for a student checking account. 

Now, a total of FIVE TIMES, I have been charged a monthly maintenance fee for my student checking account. Once in XX/XX/XXXX, and again in Summer XXXX, Fall of XXXX, and twice in Winter of XXXX. For the first FOUR TIMES, I went into the Union Bank branch nearest to me to rectify the situation. Every time, the teller apologized and reversed the charge, promised it wouldn't happen again. 

Without fail, the charge reappears, at the start of the next month. 

This time, I was not able to access a local branch, so I called a service line. The line transferred me to a representative, and, midway through my explaining the issue, the call disconnected. I then called again, and nothing could get me through to a representative. Being generous, and calling these issues technical difficulties, I am still beyond frustrated that a customer is unable to connect with people who can keep their money from being STOLEN. 

{$50.00} dollars doesn't seem like a lot to most folks in finance, so let me spell it out : {$50.00} is eating for a week and a half. {$50.00} is having enough to keep the utilities running -- imagine you have a midterm ( the grade of which will determine your ability to achieve post-graduate education ), try getting ready without POWER. 

This is theft, and the most degrading and frustrating part is that I've done my best to RESOLVE IT, FIVE TIMES.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file : XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 
The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

There was an unlawful eviction, where I was never notified or any court dates, and had already moved ohtnof the residence.There is also another amount that I do not owe due to surrendering the property. I do not owe these debts
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 {$4900.00}, {$1300.00}, {$18000.00}.

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/XXXXand 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 XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in Equifax shows as XXXX then in XXXX it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to Equifax and XXXX into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

I noticed my XXXX score had dropped from XXXX to XXXX. I was able to get a credit report and noticed that a debt ( {$390.00} ) was presented to the credit bureau. I did some research and found out that a collections agency called XXXX XXXX presented the debt.. The case was open in XX/XX/XXXX. I have never received an email, mail through the USPS or a phone call. However, I'm receiving continuous off the wall phone messages from people offering a pre-approved {$250000.00} dollar loan as well as individuals seeking out a " wall cover person '' The numbers are not local, so I ignore the calls. If XXXX XXXX is using an alias to contact me I don't know. I have never heard of Convergent Outsourcing and have never been contacted personally. I have contacted them ( XX/XX/XXXX ) and explained, as I'm doing now, and have not heard back from them ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding an inaccurate and unverifiable entry on my Equifax credit report. The entry in question is related to a XXXX XXXX account, which should no longer be reported for the following reasons : 1. The account has expired This debt is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ) and should have been removed from my credit file.

2. The debt was never verified I previously requested validation of this debt from both Equifax and the original creditor, yet no proof was ever provided to confirm that this debt is mine or that it was reported accurately. 

Since this information is outdated and unverifiable, it is a violation of the FCRA for it to remain on my credit report. I am formally requesting that Equifax immediately remove this erroneous entry from my file. 

Please investigate this matter and provide a resolution as soon as possible. If necessary, I can provide further details to assist with the investigation. 

Desired Resolution : Immediate removal of the XXXX XXXX entry from my Equifax credit report. 

Thank you for your time and assistance. 

I am filing this complaint because [ XXXX XXXX has failed to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes for XXXX XXXX for 7 years. I want to bring to your attention that both Equifax and XXXX have faced legal action for similar violations. Specifically : Equifax & TransUnion Settlements : These credit bureaus have been sued for failing to properly investigate consumer disputes and for reporting inaccurate information. Recent CFPB Enforcement : In XXXX, the CFPB took action against [ Equifax/TransUnion ] for failing to meet their obligations under the FCRA, including failing to remove errors even after consumers provided proof. XXXX Equifax Data Breach Lawsuit : Equifax has also been held accountable for negligence in handling consumer data, which further underscores the importance of thorough and accurate reporting. Given this history of legal violations, I am requesting that [ Equifax/TransUnion ] promptly and thoroughly investigate my dispute in compliance with the FCRA. If the disputed information can not be verified as accurate, it must be removed immediately per federal law. I expect a response and resolution within the required 30-day period. Failure to comply may result in further legal action or escalation to the appropriate regulatory authorities.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and found the following account ( s ) to be inaccurate and incomplete : I demanded Experian and XXXX as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on Experian and XXXX consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing XXXX are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the Family Educational Rights and Privacy Act ( FERPA ) XXXX DEPT OF EDUCATION Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by XXXX is damaging my name. 
Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans
Product: Money transfer, virtual currency, or money service

I received a text message saying there was fraud detected on my account. I replied with " no '' basically saying it was fraud that I didn't try to make that transaction. Then I received a call from what was a spoofed number. It was the customer service number on the back of my chase card. They knew my name, and were able to send me one time pass codes whenever I asked for proof. So I followed the steps they told me. They told me to attempt to send a wire transfer of {$7900.00}, and that it would fail. It was just to confirm that my accounts had been blocked. It went through, by the time I was able to call my actual bank. ( Jp Morgan ) they said it had processed already. They're attempting a recall, but they don't think I'll be able to get my funds back. I think its enough proof that I put the memo of the transfer as " refund '' or so to show that I believed I'd be getting my money back. They asked for basically similar questions as the bank for the verification process. Such as account number, date of birth, adress, last 4 of social, etc. This happened on XX/XX/2023. I also called my bank on XX/XX/2023. The bank it was sent to was called XXXX XXXX. It said the adress was in Florida, and that the money was being sent to a XXXX XXXX. The caller said I needed to put it under that name to basically make it easier to track.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

The homeowner has filed for a loan modification over the past 3 years. She has been denied loan modification based on the fact that she earns too much money. The homeowner 's mortgage is going to increase 35 % in the next 60 days which will force her into default. The bank 's denial to modify this loan is both arbitrary and capricious.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I submitted the request through Transunion 's online option to remove the fraud alert. I provided a copy of my driver 's license and a copy of a recent utility bill. I tried accessing my account on XX/XX/2022 and received a suspended message. As of today XX/XX/2022, it has still not be removed. I tried to access my account online and it shows my account has been suspended ; therefore, I do not have access to any of my information. This morning, XX/XX/2022, I called and spoke with XXXX  ( ID # XXXX ), she told me she could not assist with resetting my online account or removing the fraud alert and suggested I speak with the Fraud dept. I was transferred to XXXX, who stated I should be able to do it online. I stressed to her that I can't even access my account right now. She said it shows that I have access to my account and continued to tell me how to do it online. I let her that I can not access my account online and can not make any changes/updates. XXXX insists I should be able to do it myself online. I then demanded the removal of the fraud alert immediately. For starters, the phone number provided in the alert is incorrect. I have no affiliation to the number listed for lenders to call and so that I can begin applying to lenders w/o this being an issue. She said she couldn't remove it and provided an " escalated fraud '' telephone number for me to call XXXX for assistance. This number takes me back to the main line where I received the run around again. 

I've attached a copy of the webpage I see when I attempt to login that the representatives from Transunion claim is not there and the email I received on XX/XX/2022 when I first tried to access my account.
Product: Credit reporting or other personal consumer reports

I was contacted by Caine & Weiner by phone on or around XX/XX/2024. I explained that I noticed they were reporting to the XXXX a dent in the amount of {$370.00}. I requested the purchase agreement between them and XXXX and their debt XXXX license. They assured me that they would in fact be removing this account from my credit report as a XXXX time courtesy. As of XX/XX/2024 this account is still reporting.
Product: Mortgage

My complaint is with Weichert for my mortgage loan. The property has doubled in value since my original purchase. I paid Weichert to send their appraiser to appraise the property for the updated value in an effort to have XXXX XXXX removed from the mortgage. The appraisal was never given to me until I requested months later. The values of comparable properties were properties half the size of what I own. My neighboring comparable properties are selling to date at double what I owe on my loan. Weichert insists I have to fill out their rebuttal form to dispute the appraisal. I have called 6 times over the last XXXX months to request the form and am told it takes XXXX weeks to arrive. The form never arrives. I even changed my mailing address because Weichert said the form was returned to them. I also requested a copy of the property deed. The deed arrived no problem but the required form never arrives to date. I am also told they Weichert is not permitted to email the form and only will mail it. This is a consumer scam to force me to continue paying XXXX on my mortgage while Weichert plays games with me when I repeatedly request this form. I am reporting this company as fraudulent and practicing deceptive lending activities because when a property qualifies for PMI to be removed it should not be impossible to achieve. I hope the government shuts this financial services company down for fraud and someone should file a class action lawsuit. I have been lied to regarding this form for almost a year and all the customer service employees are trained to pretend they are following up on your complaint. Very deceptive business practices.