23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1. XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX claiming account has been placed with XXXX for collection sent. 
2. Called Chase : told since I did not have the full account number that I need to call XXXX regarding the letter received. 
3. Called XXXX.Told the collection is regarding an XXXX Credit card. Told them I was unaware of any unpaid charges. Asked what was purchased. Told statements would be mailed to me. 
4. XX/XX/XXXX, 2nd letter from XXXX with payment options sent. 
5. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX ext. XXXX. Told I would receive them in 7-10 days. 
6. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX. Told media was received on XX/XX/XXXX by them and she did not know why I had not relieved them yet but I should soon. 
7. XX/XX/XXXX called XXXX because I had not received copies of statements Talked with XXXX XXXX. I told her I was disputing the charges. I was ransferred to Chase Bank document recovery and spoke to XXXX ( XXXX ). Told I should receive statements in 7-10 days. 
8. XX/XX/XXXX received copy of statements showing a charge for XXXX XXXX XXXX on XX/XX/XXXX for {$100.00} and several months of late charges. 
9. Looked for receipt on my XXXX XXXX account to confirm I did not make the charge. I have receipt number XXXX dated XX/XX/XXXX showing I paid my XXXX XXXX with my XXXX XXXX XXXX. 
10. XX/XX/XXXX called Chase bank to try and resolve issue with this charge I did not make. Talked to XXXX ( XXXX ) explained I paid my XXXX XXXX with an XXXX XXXX XXXX on the XX/XX/XXXX and I did not pay it a second time, the next day, on the XX/XX/XXXX with the Chase card. I was told my dispute was declined XX/XX/XXXX. I explained I was trying to settle this prior to filing a complaint with the Consumer Financial Protection Bureau. She suggested I talk to a Senior Service Specialist and transferred me to XXXX ( XXXX ). He offered to " accept {$70.00} to make this go away. '' I responded that I did not make this charge and I am filing a complaint with CFPB if we can not resolve it. He told me I have to write a letter to XXXX XXXX XXXX to further dispute the charge.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Information Under 15 U.S.C. 1681o Dear Sir/Madam, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your negligent noncompliance with your obligations that have caused damage to my credit report. Negative items appear on my credit report that have not been properly verified, are inaccurate, or should not be reflected according to current regulations. 

I formally request the immediate removal of the following negative items from my credit profile : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX 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 TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since the information reported is negatively affecting my credit profile inappropriately, I demand an investigation and the removal of the items listed above. If I do not receive a correction within 30 days, I reserve the right to pursue legal action for noncompliance with the FCRA, including seeking compensation for the damages caused. 

Thank you for your prompt attention to this matter, and I look forward to receiving written confirmation of the removal of the listed items. Please feel free to contact me at the provided address or email.
Product: Mortgage

I called XXXX in XXXX XXXX in WA to try and secure a conventional loan using their physicians loan program. While working with the one of the XXXX branch managers, XXXX XXXX XXXX, told me he would hook me up with a way better loan than XXXX XXXX  could offer because I sounded like a 'good guy '. The manager assured me the both he and his loan guy where once professional athletes, which made them very trustworthy. I was confused by this but decided to give his recommendation a try given how hard it is to buy a home in XXXX, WA, every advantage helps. The person he recommended me to worked for another loan company called Caliber Loans, his name was XXXX XXXX XXXX ID # XXXX. I told him I wanted a physicians loan and he assured me that they offered a physicians loan product so I proceeded to give him all of my financial information and allow him to run my credit. A day later after my credit had been ran the XXXX XXXX informed me they no longer provide a Physician 's Loan program and instead tried to push me towards a jumbo loan with low % down with a second loan at a very high rate in order to fund the first. XXXX lied directly to me about the types of loans he would be able to fund. My wife and I are well qualified buyers and very discouraged by this whole process. This is fraud and I want these fraudsters held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent a letter to Experian to investigate and update XXXX accounts that are reporting inaccurately. 

They responded in XX/XX/2023- stating that the XXXX accounts have been " updated ''. 

I received my credit report and they did nothing to correct or update the accounts. 

First off, these XXXX accounts Have NEVER been late, they are student loan accounts which have been in deferment so it's impossible that they were late. 

They are reporting on all three accounts a payment status of " XXXX was past due 180 days or more ''. Which this is completely an FCRA VIOLATION because a payment status is to reflect the CURRENT PAYMENT STATUS which is " PAID AS AGREED ''. 

Considering they sent me a response stating they were going to update all three accounts and it is completely wrong information being reported, THIS NEEDS TO BE UPDATED TO PAID AS AGREED IMMEDIATELY. 

If this is not changed, I will be forced to exercise my legal rights for their blatant disregard for XXXX XXXX. 

Ive attached the credit reports with the payment status highlighted for your reference, my initial letter requesting the update, and their response showing they said they updated them
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX app and other report providers.
Product: Checking or savings account

Direct deposit did not go into my account and I called numerous times and spent more than 3 hours on hold and got no representation from the company Capital One about this issue then they just lie online and say it will be a couple of hours that was 24 hours ago very poor info from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.
Product: Debt collection

Company sent a notice with only a Doctors name, no information about services or dates, and an amount of {$200.00} I requested an explanation and they sent me a ripped off payment coupon marked up with highlighter, red pen writing all over it, and different information! 
There is obviously confusion about this bill and they are nor providing a verification of debt!
Product: Debt collection

This collection company called my sisters phone number and left a voicemail. When we called them back they were stating they are a lawyer office and were going to garnish my wages for a debt from XX/XX/XXXX. When I started asking questions she said she could not give me details on the loan. I asked who she worked for and she said an attorney in Delaware. She proceeded to call me ignorant and stupid because I kept asking questions about the original company as well as the company she worked for. She informed me they would be sending information to my employer tomorrow XX/XX/XXXX to start garnishing my wages. She called from XXXX ( XXXX XXXX XXXX and when I asked for her supervisor she refused saying she is the supervisor. I advised her I have not received any information regarding this debt and I would not be paying anything until I receive proof. She again proceeded to call me ignorant several more times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this
Product: Checking or savings account

My Simple checking and savings account was transferred to BBVA USA upon Simple going out of business. The online enrollment did not work and my efforts to establish a login to access my account to were locked. The customer service number directs to an automated system that hangs up XXXX in my experience XXXX approximately 75 % of the time. When a customer service agent is connected, they have all pretended they could not hear me or anything I was saying. They lie, then hang up. I have no access to my accounts and no means to directly address the issue with XXXX.
Product: Payday loan, title loan, or personal loan

I was out of work because my previous employer closed its doors and went bankrupt. The company 's failure, and my unemployment, were due solely to the COVID-19 pandemic. 

Avant sent emails offering payment plans and saying that if I made a payment there would not be negative reporting. Two days after this email I got my first paycheck at my new job and paid Avant to date. Nonetheless Avant reported me 60 days delinquent. 

My pre-COVID-unemployment and post-unemployment payment history was perfect. I attach the email and proof of payment.
Product: Credit reporting or other personal consumer reports

I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the debitor, XXXX for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.
Product: Credit card or prepaid card

I received my US Bank reliacard card that was issued by unemployment. When I tried to activate it on XX/XX/2020 it said " something you entered is incorrect ''. So I called the number and after I put the last 4 numbers of my card as well as social security number it says my balance, but when I tried to activate it using the automated system it sent me to customer service. The rep said on XX/XX/2020, I need to call unemployment for validation of account. I called unemployment XX/XX/2020 and spoke with the rep and she reviewed my account over and over and showed no issues. It showed payment trans number and she advised me once that number posts to my account it's out of their hands and it's on reliacard. I called all weekend and kept getting disconnected. Finllally spoke with someone today XX/XX/2020 and she was a supervisor. She said my account is closed for unknown reasons. I asked to be issued a new card and she said she could not. But how can I check a balance on a closed account as well how can they keep accepting money on a closed account. The supervisor advised me to closed my PUA account and start a new claim. I spoke with my district state senator today as well and she said to ABSOLUTELY NOT close the account. And said what the rep advised me to do is highly unacceptable. She said why can't they just issue a new card. I said She can't on a closed account. I advised then she should not be able to accept money as well as I should not be able to check balance. I just want to be able to use my funds.
Product: Debt collection

Cavalry Portfolio Issues XX/XX/2018 On the evening of XX/XX/2018 I called Cavalry Portfolio Services ( XXXX ) XXXX to verify that my defaulted XXXX XXXX account placed with them for collection was paid off in a negotiated settlement. The balance due was around {$900.00} and we agreed to a settlement of {$600.00}. 

Here is the conversation that occurred during the call : I told the Representative that I was still getting letters saying that the bill isnt settled. During the phone conversation the Representative said they didnt have any records of the bill being settled. The Representative than added that the only thing he can see is that a payment was returned for {$94.00} because of NSF. I asked for details about that payment, but he couldnt provide any details. I than ask how is it possible for a collection agency not have any records of our settlement agreement, payments received, but just a returned payment of {$94.00} for NSF, but no details on what the payment was for? His response was that if I wanted any information about the account I need to call XXXX XXXX XXXX ( XXXX ) XXXX. 

The following telephone conversation took place with XXXX XXXX XXXX : Their representative XXXX XXXX stated my balance was {$410.00} and they were willing to settle for {$280.00}. I asked if there were any records of any past agreements or payments in my file? Ms. XXXX sad, there wasnt anything. I than ask could I pay {$94.00} to settle the account? She stated, let me consult with my Supervisor. She came back with a counter offer of {$240.00}. I told her that the most I would pay is {$94.00}, but I know I dont owe anything. At this point her Supervisor XXXX XXXX took over the conversation. 

I asked Mr. XXXX can he see any settlement offers or payments in my file? He asked me how did I get their number? I told him the Representative from Cavalry Portfolio Services. I told him that I had reached a settlement offer with Cavalry Portfolio Service for {$600.00}. He again stated, there wasnt anything in the records.
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 Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I have sent Experian XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Product: Credit card or prepaid card

XXXX AMOUNTS DEPOSITED See copies of paycheck stubs below totaling {$4900.00}. 

AMOUNTS WITHDRAWN Attached to the claim forms page XX/XX/XXXX Page # 2, these amounts totaled {$4000.00}, but the statement for XXXX was not resent by Money Network and there was almost another {$10000.00}. withdrawn during XX/XX/XXXX. 

REPORTEDFRAUD WITHDRAWALS VERBALLY : on or about XX/XX/XXXX. I was saving the money to do XXXX Shopping and my card was declined. I called Money Network. 

XX/XX/XXXX Letter from Money Network was sent to me requesting a claim form. The letter and request were received by me after the 10 days allotted for the reply. 

XX/XX/XXXX Claim denial from Money Network was sent to me XX/XX/XXXX Copy of my Letter and claim form which was returned to Money Network by me, as it took me a while to get all the information together. 

XX/XX/XXXX copy of Letter from Money Network advising I would have to file an APPEAL for REDETERMINATION OF CLAIM, along with a copy of the envelope from Money Network Exhibit # 4. This was the 2nd time the form was requested, and again the letter was not received by me timely and only gave me 10 days to reply. 

XX/XX/XXXX copy of my letter to MONEY NETWORK, stating it was an appeal for determination of a claim, including a copy of their envelope EXHIBIT # 4 containing their letter showing the actual dates I received it, which was XX/XX/XXXX. ; along with my XX/XX/XXXX letter which I sent to Money Network responding within 10 working days of when I received the envelope. 

XX/XX/XXXX Copy of Letter from Money Network acknowledging verbal notification of the dispute, although I had sent a comprehensive written APPEAL for REDETERMINATION of CLAIM. 

XX/XX/XXXX Customer Dispute Form was completed and returned by FAX & USPS Mail for which I have delivery confirmation. I asked them for the documentation used to reach their findings. 

Since then my repeated phone calls and attempts to reach a resolution and settlement have gone on and on with no results. Phone calls are unanswered, or I am told someone will get back to me and no one has. 

The XXXX reports are disparaging, and show this is apparently the normal operating procedure for Money Network. There have been numerous complaints filed with the XXXX, and the same with the CFPB.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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: Credit reporting or other personal consumer reports

I sent letters on XXXXXXXX  XXXX and XXXX - the last didn't received the requested information. I have included a summary of the letter.Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXXXXXX XXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account XXXX XXXX  with account number XXXX I disputed this account and nothing was sent to me to legally verify this account Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided to completion of your investigation. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from inaccurate and unfair information in their credit reports. Under the FCRA, Consumers have the right to dispute inaccurate information on their credit reporting agency can not verify it.The FCRA also requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receiving them. If the credit reporting agency can not verify the accuracy of the disputed information, it must remove it from the consumer 's credit report.If a credit reporting agency refuses to remove inaccurate information from a consumer 's credit report, the consumer may sue the credit reporting agency for damages.
Product: Credit reporting or other personal consumer reports

Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX I forwarded correspondence demanding that you block and delete fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identiable information was compromised, leading to unauthorized accounts being opened in my name. TO DATE YOU HAVE FAILED TO REMOVE THE BELOW ITEMS AND ARE IN VIOLATION OF THE LAW.

THIS IS MY SECOND formal request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : TXXXX 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  As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written conrmation from your office once the fraudulent accounts have been blocked and removed.