23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations.

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me.

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
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 ( XXXX ), 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my computer was hacked and my personal information ( including my banking information ) was compromised. After i had woken up for tge day, I noticed my Chime checking account was charged {$990.00}. Someone had accessed my browser through my personal computer and bought a XXXX XXXX XXXX under my name and had it shipped to XXXX, California. I have lived in Kentucky my entire life. I was able to see this because the order was made on my account through the XXXX XXXX, which I got confirmation for the order via my email. Unfortunately, it was too late to cancel the order, as XXXX makes you unable to cancel an order after 1 hour has passed, at that time, I was asleep. I was told by the merchant they would intercept the package and they did not. I have filed a dispute on my behalf to Chime, which was denied the same day. Since then I have filed 9 rebuttals against the denial, and all of them have come back denied once again. I have given them several forms of evidence including personal information, screenshots of the order, and even a police report. It does not seem to matter what i try, they are not on my side. I am contacting the CFPB in hopes that I can have my money returned from this fraudulent case of events.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport and social security card for your files. I am constantly having a hard time being able to have someone help me when I call. They asking me security questions from stuff I cant remember 2 years ago. Please put these documents in your files so it can be easy for me to talk to someone if I ever have to call again.
Product: Checking or savings account

Starting XX/XX/XXXX through XX/XX/XXXX hackers broke into my Chase Business Checking account and began making online purchases and funds transfers. On Saturday, they tried to make charges on my debit cards. Chase Fraud alerts caught and stopped them. Later, they started transfers from Chase Quickpay from 4 of my 5 Chase accounts in small increments ranging from {$50.00} to {$1000.00} attempting to take out over {$6000.00}. I have filed a claim with Chase. My cards, phone and computer were in my posession the entire time.

I have filed a police report and a claim with the bank. My main complaint is about the lack of response of the bank and their failure to communicate internally to their staff or to customers about the risks. After going online, I see that thefts like this are very common. Yet, Chase delayed 2 days after notification to file a report, and did not train bank staff on how to handle these claims. They froze my accounts to protect the assets, but talked about sending a letter through the mail in several business days.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX for Inaccurate Late Payment Reporting Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally report and dispute the inaccurate reporting of late payments by XXXX a XXXX  XXXX service provider. Despite canceling my service and paying off the remaining balance, they continue to report a late payment on my credit report, which is detrimental to my credit standing. The account details are as follows : Account Number : XXXX Violations and Consumer Law References : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 : This mandates furnishers of information to credit reporting agencies to report accurate information. XXXX continuous reporting of late payments on a settled account is a direct violation of this section. The supposed missed payment occurred as a required step in the service cancelation process, but as a way of retaliation, they have been reporting it as a missed payment on my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : By reporting a debt inaccurately, XXXX is engaging in misleading practices that may constitute a violation under the FDCPA, which protects consumers from false and deceptive collection practices.
Product: Debt collection

XXXX XXXX XXXX are attempting to collect a XX/XX/XXXX judgment that was XXXX in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I purchased online from XXXX XXXX XXXX using PayPal to pay in the amount of {$48.00}. The website appeared to be XXXX XXXX outlet clothing but is XXXX scam/counterfeit site, one of many this company advertises on XXXX. I did not receive an order acknowledgment from the vendor directly but learned from PayPal 's email of the transaction that the company 's name is XXXX. My VISA has been charged by PayPal on XX/XX/21. I attempted to contact the vendor but they have no phone number, nor customer service number or email to contact them. The vendor 's website contact form does not work. I suspected from the email that they were a scam site and called PayPal customer service immediately on XX/XX/21 to stop the transaction. I also contacted the real XXXX XXXX via XXXX and they confirmed that the XXXX is not theirs. PayPal 's customer service representative indicated that because the transaction had already gone through, they had no way of knowing that it was a counterfeit site and I had to file a dispute online. On XX/XX/XXXX I immediately went to my PayPal account and filed CASE ID XXXX through PayPal 's online resolution center to dispute the transaction. I considered the transaction unauthorized because PayPal did not give me other options to check. According to PayPal 's Buyer Protection plan advertised on their website, I had 180 days to let them know if the item is defective or counterfeit. I received an email on XXXX at XXXX XXXX EST indicating that my dispute case had been denied and filed an appeal. On XXXX, I received another email from XXXX indicating that my appeal had been refused. PayPal is not honoring their advertised buyer protection ( paypal.com/ph/webapps/mpp/paypal-buyer-protection ) and by honoring these transactions is actively encouraging sale of counterfeit items and fraudulent credit card charges to consumers. I have contacted my VISA company to dispute the transaction in the hope that they can research the problem accurately and reverse this transaction. I have also contacted the Attorney General 's Office in my state to file a similar complaint. Consumers should have some protection from e-commerce fraud and this company should be investigated by the FBI as well for their illegitimate/counterfeit websites.
Product: Credit card or prepaid card

Capital One had a breach last year as part of its using web and security services hosted by XXXX. They haven't learned anything from this breach! On XX/XX/2020 I placed an order on XXXX using my husband 's account, which has my credit card as one of the cards attached. As I was checking out, XXXX suggested I use my {$23.00} in available rewards to make my purchase. This means that XXXX has access to see my Capital One credit card account. This access is an invasion of my privacy and Capital One is allowing it to happen! If XXXX can have access to my credit card information, they may also have access to my checking, savings and credit report that Capital One has. This is very disturbing and shows that Capital One is very lax on security. XXXX will take everything it has access to and they need to be regulated. 
Thank you for any help and regulation you can put forth regarding this matter.
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 confidentially under 15 USC 1681. 

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 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 XXXXXXXX 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.

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 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 reporting to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I applied and received approval for an education loan from Citizens Bank National Association to refinance my existing XXXX federal student loans. After executing the loan documents online, I was informed that the new loan would be funded on XXXX XXXX. On XXXX XXXX, I logged in to the Citizens Bank web portal to discover that Citizens Bank had created a loan account naming me as the debtor, and assigned the servicing of the loan to a third party. I checked the third party servicer 's records to discover that their records matched those of Citizens Bank, and that there was a debt in my name for the amount I initially agreed to. Interest had begun to accrue on this purported loan as of XXXX XXXX. 

I then checked my existing federal loan servicing account ( the " Original Loan '' ) to discover that the Original Loan was still outstanding and that according to their records, I was still responsible to make payments to them. 

I called Citizens Bank to figure out how I ended up with XXXX outstanding loans, and their representatives explained that it could take up to two months for my Original Loan to be repaid. The representatives claimed that a check had been mailed to my Original Loan servicer, but they had not been in direct contact with the Original Loan servicer, and I have not seen any records to confirm that the check had been mailed to the proper address. I was not informed that they would be charging me interest for a loan while their check was in transit, notwithstanding the fact that no actual funds had been funded on my behalf by Citizens Bank, and in effect, I was being charged interest by Citizens Bank for the repayment of funds that have yet to be credited on my behalf ( their check being purportedly in transit, but not yet redeemed ). 

I asked Citizens Bank 's representatives to defer interest on the purported loan that they made to me until funds were received by my Original Loan servicer. The refused, citing two separate provisions of the promissory note I had allegedly agreed to, claiming that these provisions together entitled them to charge me interest for up to 60 days without ever making a disbursement of funds. In other words, they said that they were entitled to charge me interest for a loan that has yet to be credited to me.
Product: Student loan

I am a XXXX of students with XXXX for over a decade. I was assured multiple times by multiple people at FedLoan Servicing that I was signed up, on-track, and making payments towards the Public Service Loan Forgiveness ( PSLF ) I am eligible for. In fact, the only reason I am with this loan service at all is because I signed up for this loan forgiveness opportunity. But then I received an email on XX/XX/XXXX alerting me that my payments would no longer count towards my loan forgiveness if I did not update to a different repayment plan. I emailed and called customer service ( several times ) for next steps, only to eventually learn that I have not been signed up for the forgiveness plan since XX/XX/XXXX! Therefore, they told me none of my payments had counted! If that's true, I will end up needing to pay off my entire student loan before I would be eligible for forgiveness! But I had been reassured so many times that it was alright. When I went back to school in XX/XX/XXXX, my loans automatically deferred. I called back then in a panic thinking that this might ruin my loan forgiveness, but the representative then assured me that wasn't the case and even passed me on to a PSLF specialist to be sure. The customer representative I spoke to on XX/XX/XXXX, although professional, did not have anything to say for the company or for my astonishment and complaints other than he can not speak for someone else. How can it suddenly change like that? Why do none of my previous payments count anymore? Why did several representatives all assure me I was on track if I wasn't? I feel scammed and betrayed by this company.
Product: Mortgage

I have attempted for over 1 year to get my escrow account removed since First Continental Mortgage 100 % completely messed up my escrow account since they did not properly do an assessment in early XXXX. I am done with this and this complaint BETTER BE HEARD AND SOMETHING BETTER BE DONE ABOUT IT THIS TIME FROM THE CFPB!!! This is my second complaint and NOTHING was done the first time. I was told by First Continental Mortgage that I could have my escrow account removed after XXXX XXXX and after SEVERAL attempts they still have not removed it. I have been forced to make late payments of {$120.00} for the last 3 months now and this needs to be credited back and the escrow accounts needs to removed or the CFPB and First Continental Mortgage are going to be responsible for a Veteran losing his home. LAST CHANCE, GET THIS ESCROW ACCOUNT REMOVED!!! Also take not I made a mortgage payment on XX/XX/XXXX and the automated system did not account for the late payment and I am unable to make any type of payment online and or on the phone again so I better NOT get a 30 day late payment due to the late payment not being apart of the automated system when they took my payment. This mortgage servicing company is XXXX! and if this better be resolved IMMEDIATELY!! REOMVE THE XXXX ESCROW ACCOUNT FOR THE 100TH TIME!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX Account Number : XXXX I never received any type of validation and I noticed that it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. And even if I had, how can the history go from XXXX  to XXXX and right back to XXXX???? This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here.

Thank you.

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

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX