23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XXXX payment was due, on XX/XX/XXXX. When XXXX rolled around we noticed that our XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XXXX to make our XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that XXXX is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing 30 and 60 days past due, for XXXX and XXXX. 

We in good faith, did exactly what we had been advised by the rep in XXXX and made no payments until XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been closed with no outcome or response from XXXX XXXX. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.
Product: Debt collection

I am filing this complaint against Lueder, Larkin & Hunter, LLC, a debt collection law firm, for practices that I believe violate the Fair Debt Collection Practices Act ( FDCPA ). The firm is attempting to collect on an outstanding XXXX XXXX ( XXXX  ) debt associated with my property in XXXX, Georgia. 

Unreasonable Payment Deadlines ( FDCPA 1692f ) : On XX/XX/year>, the firm issued a payoff letter with a balance of {$5300.00}, requiring payment within just three business days. This unreasonably short deadline made it difficult to comply and contributed to additional charges.

Lack of Clarity and Transparency in Charges ( FDCPA 1692e ) : The firm repeatedly added charges, including {$350.00} in " miscellaneous charges '' and {$1400.00} in " attorneys fees, '' without providing a detailed, itemized breakdown. This lack of transparency made it impossible to verify the accuracy of these amounts.

Delayed and Inconsistent Communication ( FDCPA 1692c ) : Despite my prompt payments and follow-ups, the firm delayed confirming receipts and issuing updated payoff letters. These delays directly caused additional interest and penalties.

Potential Misrepresentation of Legal Consequences ( FDCPA 1692e ( 5 ) ) : The firm repeatedly referenced liens and lawsuits while my payments were actively being processed, creating unnecessary stress and pressure to pay balances that were not clearly justified.

I have attached the following : ( 1 ) Correspondence with the firm demonstrating unreasonable deadlines and delayed responses.

( 2 ) Payoff letters and payment confirmations showing shifting balances and lack of transparency.
Product: Mortgage

I want to have a mortgage with Chase. I have got a commitment letter. However, the rate is rather high as I compared with XXXX. I asked Chase if he can give me the same rate as XXXX. Chase said that is the best rate he can offer me. So I decided to switch to XXXX. 
I have paid {$500.00} for the application disclosure including appraisal fee. But when I want to have the appraisal copy, he can not give me because the appraisal itself has not been done yet. I am now using XXXX to get my mortgage done. 
I have requested through email on XX/XX/XXXX. Chase 's lender gave me so many nonsense explanation, such as ... 
1. He will ask the underwriter to send me the copy. 
2. He said give him a few days more. 
3. He said the appraisal is in the commitment letter. 
4. He said he never charge the appraisal fee. 
5. He asked me to contact processor do one for me. 
6. On XX/XX/XXXX email, he said to me not to worry and will order the appraisal very soon. 
My question is can I get my money back from Chase because I know that they can not give me the copy. 

Thanks.
Product: Mortgage

I closed on a Home Equity Line of Credit ( HELOC ) with a {$70000.00} limit with Huntington Bank on XX/XX/XXXX. I have never had a balance against this HELOC. The balance has always been {$0.00} ( zero dollars ). 
The next month I received a payment statement with a {$40000.00} balance. A payment of over {$300.00} was due. 
Immediately realizing this was a mistake, I called the toll free number on my monthly statement. The person I spoke with told me I had to go to a local Huntington Bank Branch to take care of the problem. I told them I applied for this HELOC online through Lending Tree and that there is not a Huntington Bank branch anywhere near the town I live in. 
I had to look up a Huntington Bank branch number in XXXX, WV. I called them and after XXXX or XXXX days the branch in XXXX told me everything was taken care of and there was never should have been a balance and never a payment due. 
The next month I get another statement charging me interest. Again. I called and this time the person on the phone from the toll free number on monthly statement read my notes. Put me on hold and came back to tell me everything was once again taken care of. 
Today, XX/XX/XXXX I received another letter from Huntington Bank. Charging interest when there never was a balance. 
I spent an hour on the phone with Huntington Bank today. Total time dealing with their error is going on four hours. 
My credit is getting ruined due to Huntington Bank 's error. 
Please help XXXX XXXX cell XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}. 
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.
Product: Debt collection

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete. 

Additionally, under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies. 

To assist in your investigation, I am requesting the following : XXXX. A complete payment history, including all payments made, missed, and the corresponding dates. 
XXXX. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off. 
XXXX. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within XXXX days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report. 

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the XXXX XXXX, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received notification of debt XX/XX/XXXXXXXX  Sent response in writing ( attached document ) by USPS Certified Mail with return receipt signed by their agent on XX/XX/XXXXXXXX  requesting validation of debt per 15 USC 1692g Sec. 809 ( b ) of FDCPA within 30 days. No response. 
Open FTC case XXXX on XX/XX/XXXX and they requested validation of the debt. I advised that validation request had been sent but response not received. They advised me to send letter to credit bureau to remove collection and notify collection company of the FTC investigation. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Javitch Block LLC filed debt claim case in XXXX XXXX, XXXX XXXX, XXXX XXXX on XX/XX/XXXX. They showed cause was installment contract with XXXXXXXX XXXX XXXX  signed on XX/XX/XXXXXXXX  for {$5500.00}. No original contract, no signature page, no other details. I forwarded this information to FTC and they again requested full validation to investigate. 
I responded to court on XX/XX/XXXXXXXX  with a defendants answer - debt claim case ( attached ) again stating an affirmative defense that the plantiff was subject to FDCPA 15 USC 1692 Sec 809 ( b ) and a debt validation request was sent within 7 days of initial contact but they did not respond within 30 days. I again stated my plea that this is not my account, I am a victim of identity theft and provided details of my filing, stated I did not have a contact with this collector or this bank, and stated the have not validated the debt nor shown their right to collect upon in in this court. 

on XX/XX/XXXX I received a packet from plantiff that included approx 30 pages of white paper with black redacted blocks showing only one line of code with my name and address. No original creditor name, no original signature, no details of my personal information, no proper debt validation. 

On XX/XX/XXXX, I drafted a motion to dismiss for the court. I am to appear for pre-trail readiness in which I intend to show that the plantiff did not provide validation as requested or any actionable data to help FTC to investigate this claim. I am not an attorney so I am very uncertain what will follow ( attached ). 

Court scheduled XX/XX/XXXXXXXX  at XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX  Account # ending XXXX, has violated my rights. 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

There are several errors on my Equifax and XXXX credit reports. on my Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX ) XXXX XXXX XXXX XX/XX/XXXXXXXX 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: 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 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Somewhere XXXX & XX/XX/2018 I called XXXX XXXX to Place a complaint due to they report me delinquent on my credit report when I was never late my payments were made thru a 3rd party company from the dealership I made all payments and I have proof I disputed on credit report look like it was ok. I was denied a promotion due my credit was low due to fraudulent being reported and my credit card companies were now lower credit limits as I was be seen as risk when I pay my bills on time now this has cause undo stress financial loss of income as well as my credit taking a big hit. I consult with attorney whom told to try and handle it before doing intent to sue now it's doing the same thing again as its providing from getting new apartment and the embarrassment that comes along with this illegal reporting wrongful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Golden One stole XXXX from me and had been improperly reporting my credit card pavement as late as they had when I paid to it in the wrong account now I have found out they purposely done this things. I have been with this bank for over 20 years and this company as reported me negatively to the credit agency. In fact I had a identity theft on my account and this company tried to turned it around on me. In fact this company had wrongly report myself to the adult protection agency claiming I was trying steal money from my boss who rarely even pays my work balance. In fact this company told the adult protection agency XXXX that my account was overdrawn they have been given out my bank information to anyone and for that have violated their own policies. In fact they have not resolved the problem and now the company is has the adult agency investigating me based on a lie their company told out vindication ans spite. False reports are a crime and so is giving the adult agency personal business is not something that this company should have done. This company has been racist to me since I have been with them and tent are stil racist,  practicing lies and undermining me a a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion and LCI in regards to incorrect information on my credit report. I received a letter stating i needed to go to the courts to get this corrected. Under FCRA, they are required to verify the source of the information and ensure accuracy. The courts did not provide them this information so I'm not sure how they are make the statement the courts need it fixed. The information is inaccurate and needs to be removed.
Product: Money transfer, virtual currency, or money service

Cash App : XX/XX/year> {$25.00} paid XX/XX/year> {$50.00} declined XX/XX/year> {$62.00} declined These are the initial transactions I don't recognize. I contacted Cash App. I gave them this info. Cash App then abruptly closed my account without notice, without an exact reason. The reason given from Cash App to me on several occasions was the following : " Your Cash App account was closed because of activity that goes against our terms of service. '' However, when I challenged them on the " activity '' they were referring to, I was stonewalled. They're reps were unable to give me an answer on what it was that I did to have my account closed. During the time this happened, I had just gone through a divorce due to XXXX. My ex had drained our joint account with our regular bank, & this was the debt card I was able to get & use at that time. It was very convenient. I still have XXXX in Cash App but am unable to get it out bc I cant attach my new bank to my closed cash app. 
No one at Cash App will assist. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

i ordered something via XXXX a week ago and for four days, XXXX  like address dnt exist, so i called amex to disoute and cancel and they were no help, going only XXXX can help.
Product: Vehicle loan or lease

I have sent several letters and phone call to Santander consumer USA. In regards to this matter. Back in XXXX and XXXX I was injured and spent a month and half in the hospital. At this time do to the circumstance I had my mother reach out to Santander consumer USA to make payment on my account. They told her that could not speak to hear because she was not on the account. This cause my account to have two late payments. I was never late for a whole year. I trying get a approve first time home buyer and I don't want this matter to cause me to be denied.
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 account RECEIVABLE ( ORIGINAL CREDITOR : XXXX )
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XX/XX/XXXXXXXX  with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of 1974 states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
I've also reached out to dept of EdXXXX  to remove all accounts due to the FERPA It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$950.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT COMENITYBANK/VICTORIA {$340.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$490.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX are reporting on my credit report and Experian has investigated and told me to reach out the company reporting. I haven't heard back, violation of FDCPA/FCRA and I do not recognize the accounts. It's been past the 30 days allowable timeframe and experian is still reporting the accounts, which is in violation of FCRA. They also recently reported this account XXXX and I had no knowledge. This is unfair reporting and not accurate representation of my situation.
Product: Credit reporting or other personal consumer reports

XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. The folowing accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX BANK XXXX, XXXX XXXX XXXX - XXXX, BANK XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX : XXXX actually belongs to me. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.