23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Account number ending in XXXX RE : Notice of Violation of the Card Holder Agreement Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the XXXX major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 
I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 
This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. 3. A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX Account number ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX account XXXX XXXX payment account as verified. I have attached and have shown them as well the mistakes they made! I was never late and they have listed me 30 days late in XX/XX/XXXX and then 90 days late in XX/XX/XXXX... HOW CAN THIS HAPPEN??!!

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Mortgage

Made a payment and the bank chose not to apply the payment to the mortgage.
Product: Vehicle loan or lease

<p>I have two vehicles financed with RBFCU. My goal was to pay off both of these vehicles ( about XXXX owed on each vehicle ). I was eager to pay these off since I'm refinancing my home. My lender needed my debt to income reduced in order to accomplish my goals for the loan.</p> <p>In the early days of XXXX, I tried to make the payments for the total payoff amounts for each loan. For some reason, this was not possible through the online portal which I use to make payments on these loans every month. It forced me to call in order to process a payment. After a few days of attempts, I finally was able to wait on hold long enough to get someone to XXXX XXXX XX/XX/XXXX, I spoke with a rep that determined the total payoff amount for each loan. She told me the interest would have to be two days in the future since that's the amount of time the ACH payments would take to go through. I agree. I then see the total amounts taken from my checking account to payoff each loan. So, those accounts should be closed, right? WRONG! </p> <p>Two weeks later, today, XX/XX/XXXX, my mortgage lender informs me there is still an amount owed on one of these loans. To my surprise, I log into my RBFCU account, and sure enough. It is still open and has an amount still owed of ~ {$1400.00}. Even more to my surprise, there is an additional amount of money in my savings account that is that amount. </p> <p>I quickly make a payment from the savings account to the car loan account in order to pay it off in hopes of moving forward with my mortgage loan. However, this has caused a lot of hassle and could potentially cause me to not be able to close this month. If I can't close this month, I have to pay another month of higher interest, rates could slip, etc etc. </p> <p>The fact is, my payment was wrongfully routed at the discretion of a bank employee to an account I didn't advise. This is ( significant ) costing me money in the form of interest and potentially other fees, ESPECIALLY if mortgage rates increase.</p>
Product: Checking or savings account

Chase Bank Support on XXXX has been EXTREMELY unprofessional. Providing contradictory information as well as having multiple specialists provide incorrect information regarding emergency stimulus relief. Something must be done to hold this company accountable. Ill be switching banks.
Product: Student loan

XXXX   XXXX     Navient refused to continue my forebearance due to my being  XXXX  ; Now my SSD check is being offset by 15 % for defaulted student loans ;  Navient says I may  not have forebearance ... .HELP
Product: Debt collection

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that the following disputed accounts be completely deleted from my Credit report. Again, I was a victim of identity theft and this is my third CFPB Complaint to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. With accordance with the FCRA section 605b I am looking forward for the removal of the Following account from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never took out any loan with company or agency that the   XXXX   XXXX   XXXX   collects on behalf of. I was attending college at the   XXXX   XXXX   XXXX   when my  GI Bill erred   and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the   XXXX   XXXX   XXXX    sent the debt straight to collections at t he State of Maryland 's    XXXX   XXXX   XXXX    <P/> I have tried to dispute this debt as being unfair under the FCRA. The   XXXX   XXXX   XXXX    tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. T he State of Maryland    XXXX   XXXX   XXXX   continues to report this as a collections account to Experian and  XXXX .  <P/> Had t he State of Maryland done  the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately.  <P/> I have tried to resolve this issue with   XXXX   XXXX   XXXX   on multiple occasion but was not able to. There is a  XXXX  balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Product: Checking or savings account

I file a dispute 2 months ago to bank of america for fraud. Even ask for a reconsideration. I've send supporting documents and still haven't been able to get reburist for my funds. I've call everyday and been getting the same answer still pending. I was in XXXX and someone use my funds. They are giving me the run around and I'm about to lose my house over lack of funds and that not cool.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX that they had a data breach and gave me 2 years of coverage with Experian. On XX/XX/XXXX there was an inquiry saying it was for XXXX XXXX XXXXXXXX but I do not have any accounts with them or applied for any type of credit with them. Experian told me to contact you to inform you of this activity. Below is the inquiry information. 

Alert Type : Inquiry - New Inquiry Found On : XX/XX/2024 Why am I receiving this? 
Experian XXXX monitors your credit to detect signs of identity theft. You have a new credit inquiry on your credit report. When you apply for new credit or a loan, and the creditor/lender views your report as part of their decision-making process, it's called an inquiry. 
Additional Info Details SourceEXPERIAN Alert XXXX Inquiry XXXX NameXXXX XXXX XXXXXXXX Phone XXXX XXXX XXXX XXXX Business XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you recognize or authorized this activity, no action is required. What if I don't recognize this activity? 

Don't worry, there are steps you can take! 

Contact the creditor - this may clear up what's happening Review your credit report for new activity Dispute the account information on your credit report
Product: Debt collection

XXXX waived debt due to moving in regards to COVID-19 and they refused to take back equipment when offered so debt is not valid. 


The collection company intentionally broke their website to make it harder for me to dispute debt within 30-days. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XX/XX/XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )
Product: Student loan

Hello, My name is XXXX XXXX, XXXX XXXX who is currently in the process of repaying back my school loans. The federal student loans have resumed its payment this past year in 2023, and I've been paying my payments on time through EdFinancial. Every time I pay, the payment reverses and the site claims that I did not pay, therefore accumulating interest. I've done research through several online forums and have seen I'm not the only XXXX, therefore referencing me to complain to the CFPB for desperate measures. I've tried contacting XXXXdFinancial but to no avail have they been able to help me. Please let me know my options whether that is to get EdFinancial to stop playing games with its customers, they have already made XXXX  and XXXX  off the backs of XXXX  's future generation- setting us up for failure at this rate if they keep it up. I'm upset, irritated, desperate for help, you name it. Thanks for your time and hope you can help me solve this problem! I don't think they can reverse the interest, that's not my concern. I would like to fricken fix their payment system and let these things go through!! My bank said it's not an issue on their end!!! 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

need to re-verify dates Discovery Card fradulent activity
Product: Credit card

I applied for no interest financing with XXXX XXXX and they directed me to Sychrony bank for credit approval. I have a credit score above XXXX, only one credit card with a {$0.00} balance and I have never been late on any payments, yet I was denied. 
Scychrony requested a selfie video and a copy of my drivers license. 
I was very uncomfortable making a video and think this is unnecessary since they require a copy of your id. 

Now I have this hard inquiry on my credit and a denial. I have never been denied credit and this does not make sense. This appears to be discrimination because I do not have any negative marks on my credit report and there is no reason to deny someone with an excellent credit score. 
I called them and they would not give me an explanation of the denial.
Product: Checking or savings account

Shortly after my CD matured, I called the bank, BMO NA, requesting that my account ( XXXX ) be closed and that they send me my money, {$5200.00}. I was told I would receive my check in the mail within XXXX days. XXXX weeks and no check later, I called BMO. The agent said, whoops, we didn't put your apartment number on the envelope. ( Of course I'd been receiving their promotional materials regularly with no problem ). I was told by the agent that BMO would put a stop order on the check and I should receive a new one in XXXX days. ( No, he said, we can't fed-ex it or send it wirelessly, it has to be snail mailed, because it's far less secure. But hey, it's not their money anymore, right? ) Nearly XXXX weeks later and no check. I called again only to be told, whoops, you need to fill out a form before you can get your check, and the form will be emailed to you within XXXX hours. Furthermore, I was told, it would take up to 60 days to receive my check. Bottom line, BMO has deprived me of use of my money, for reinvestment or other purposes, for XXXX months after cashing in my CD. If BMO can't handle a simple reimbursement transaction like this, they should not be allowed to operate.
Product: Consumer Loan

To whom it may concern TOTAL FINANCE AC, LLC located at XXXX. XXXX IL XXXX ( XXXX ) XXXX. 
My purpose is so that everyone gets informed and know these people are frauds. 
My name is XXXX and I have a big issue with this financial group. The problems started when they could n't show me my payments and with the overall balance. For a little over 2 years now I 've been with them. I have also have asked to speak with a manager but they have denied me that privilege and only handed me to speak with someone on the phone but I needed someone in person so they can explain to me my issues. I have a feeling that they did fraud since beginning of my contract, They also do n't explain anything through the process of signing the contract. I 'm not the only one, I asked several of the costumers they also felt as XXXX as me. Please, I ask you to help me because I feel deceived by this financier since my contract. Thank you You can contact me at ( XXXX ) XXXX. Or Email : XXXX Sincerely, XXXX
Product: Mortgage

My wife and I have been separated since XX/XX/XXXX. I was waiting for her to be medicare eligible before filing for divorce. we entered into mediation counseling in XX/XX/XXXX and the mediator suggested that we each file bankruptcy in order to deal with our debt.. And of course once she filed, the debt cascaded to me and I was forced to do the same and since I was forced into retirement XXXX and found a job at XXXX my previous income I was unable to stay out of bankruptcy. She then decided to abandon our jointly owned Townhome that she was living in ( not the original plan she was going to continue to live there ), she stopped payments in XXXX XXXX and then notified the bank accordingly but continued to live there for sometime. Even after she moved to a different living space, she continued to pay heat in order to protect the home from freezing and then she notified the bank when she could not longer afford to pay the bill. We continued to receive statements from Nationstar Mortgage ( Originally XXXX ) Loan Number XXXX stating that we now owed ( {$29000.00} ) as of XX/XX/XXXX plus the Condo fees of around {$7500.00} in arrears. The outstanding balance is {$84000.00}. 
In XXXX XXXX I learned that we were the owners of a '' Zombie '' home. This prompted me to re-enter the home to check its condition since we were still responsible for the property. We learned that front door lock was broken off and replaced, when a key was available for the price of a phone call. The Bank had assigned a care taking company which was supposed to turnoff the water. However they were inept and the building suffered XXXX major water leaks which I found when I reentered. 
I then found renters for the price of the Maintenance Fees plus utilities but naturally before they could move in I had to fix the leaks, rip out and repair the garage ceiling ( to get at the broken pipes and replace the locks, thankfully I had the skills to do so. This included cutting out the damaged split copper pipe and soldering in new sections. It required XXXX of us us working over 40 hours to make the place livable.. A significant portion of the garage ceiling needed to be removed, the leaks fixed and the ceiling replaced. The Townhome is finally scheduled for a Sheriffs sale on XXXX/XXXX/XXXX. The home has been cared for and given back to the bank in much better condition than they themselves allowed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account # XXXX XXXX XXXX XXXX - {$4100.00} Account # XXXX - Portfolio Recovery Association {$730.00}

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( 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 of crimes which antedates the report by more than seven years. 

15 USC 16818-s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues not reporting my XXXX XXXX Account after removing it from my Equifax Credit Profile on or about XX/XX/2021. This despite XXXX XXXX  XXXX continually reports the XXXX account as an active current account that belongs to me. Equifax removed my XXXX XXXX  XXXX account on or about XX/XX/2021 and never provided a reason and refuses to investigate why the XXXX XXXX XXXX XXXX isn't reporting despite XXXX XXXX  XXXX reporting to XXXX and XXXX every month having recently updated on XX/XX/2021. At one time a representative told me she would " manually '' put my XXXX XXXX account back on my Equifax Profile and assured me it would start reporting by the end of XX/XX/2021. That never occurred and the account STILL isn't reporting on my Equifax Credit Profile. I personally think I'll just go away if they continue lying to me in hopes I'll just get tired of fighting them and their incompetence. I'm NOT going away.
Product: Credit card or prepaid card

My credit card was charged with transactions that are NOT mine. Mostly in the form of cash advances which I don't use. The bank has declined my dispute, please help me. TD is not protecting my credit / funds and it is destroying my credit and spending money I dont have. They have told me It is my responsibility to request camera footage from bank ATMs. I need guidance so this stops and to recover from the fraudulent transactions. Please help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Vehicle loan or lease

On XXXX, I sold my lease end XXXX XXXXXXXX XXXXXXXX XXXX back to original dealership XXXX XXXXXXXX in XXXX XXXX XXXX XXXX sent a check dated XXXX to Open XXXX XXXX XXXX AZ per instructions from Chrysler Capital ( I was told ). Check was cashed XXXX. Ever since that time, Chrysler Capital still has not shown vehicle lease as paid with XXXX balance. XXXX sent me copy of cancelled check which I have faxed three times and emailed twice to Chrysler Capital who states either haven't received or that payoff check must be in Chrysler Capital 's name. But I keep seeing items that Open Lease is one of the distributors of the Lease End for Chrysler. I do not know how to get Chrysler to resolve this matter. Please assist in finalizing this sale and show Chrysler Capital as paid off.
Product: Credit reporting or other personal consumer reports

So this company has said that I owe the stat right now they're saying that I got this debt in 2019, which is completely an accurate. They refuse to assist me with removing this from my credit report, when in fact, they refuse to provide any type of legal documentation showing ownership of this debt by myself I have reached out to them via USPS mail and asked them for verification of the debt. They refused to reply back to me.