23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/XXXX. Real Time Resolutions ( RTR ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. RTR Claims that they are servicing the debt for XXXX XXXX XXXX ( XXXX XXXX XXXX ) since XX/XX/XXXX. However, the servicing agreement between XXXX XXXX XXXX and RTR was executed on XX/XX/XXXX. Regardless, both XXXX XXXX XXXX  and RTR claim to be collecting on the  alleged debt owed. I have contacted both RTR and XXXX XXXX XXXX on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both RTR and XXXX XXXX XXXX. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. 

Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither RTR nor XXXX XXXX XXXX filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both RTR and XXXX XXXX XXXX, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. RTR and XXXX XXXX XXXX are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Product: Credit card or prepaid card

I purchased a flight ticket scheduled on XX/XX/2020 using Chase credit card on XXXX XXXX, 2020. My flight was cancelled due to COVID-19 pandemic. Merchant is XX/XX/XXXX ( from which I purchased ), and XXXX is airline company. Per a supervisor of XXXX 's instruction, I requested a refund online on XXXX XXXX, 2020 ( I have a screenshot ). Meantime, I also filed a dispute with Chase in late XXXX, 2020 as I did not receive the service through Chase online secure message system. Chase replied on XX/XX/ 2020 to request any supporting documents, which I faxed for several occasions up to the end of XXXX, 2020, including an email from XXXX confirming that a refund of {$280.00} was made on XX/XX/2020. However, Chase keeps refusing to refund me. All documents will be sent to CFPB upon request from Chase. I have all documents but too large to attach on this online form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my trans union report on XX/XX/XXXX. Two weeks later I legally changed my name. On XX/XX/XXXX, I attempted to apply for a mortgage. However, they were unable to pull my report because of the fraud alert. I contacted three times and requested that they remove the fraud alert. They informed me that an alert has not been placed and they refused to provide any sort of assistance. Until this problem is resolved I am unable to obtain a mortgage. They have failed to resolve my issue.
Product: Checking or savings account

My business checks were stolen and my account with US Bank was hacked. Someone used my account to pay XXXX {$94.00} on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$320.00} on XX/XX/XXXX. 

After spending XXXX hours on the phone on XX/XX/XXXX with US Bank and talking to XXXX different representatives, I was told XXXX fraud claims had been opened. US Bank returned the {$94.00} from XXXX a week ago. Since it has been 26 days since I opened the fraud claims, and the {$320.00} had not been returned, I called US Bank again. 

Apparently they opened XXXX fraud claims on XXXX and none on XXXX. I asked them to open a claim for the missing {$320.00} with XXXX and I was told because it was a " contracted payment '' they could not file it as fraud. I was then told by their XXXX XXXX XXXX, XXXX, that because this was a CCD transaction there was no way to get my money back and that I needed to call XXXX myself. US Bank did a " stop payment '' to the merchant to reject any additional charges on XX/XX/XXXX, but can not seem to find a way to return my money. 

I'm out {$320.00} because this bank thinks they are NOT responsible for allowing someone else to set up a payment using my bank account number for my business account. I did NOT approve this transaction nor was I ever contacted via email or text to ensure I authorized this {$320.00} payment.
Product: Credit card or prepaid card

Target  has reported a fraudulently opened account on my credit ... It went to charge off and damaged my credit. Numerous attempts to request Target  to validate this account went ignored, they have NOT provided in writing any copies of the original application or payments that they supposedly received on this account. I have been disputing this with them for 6+ months now only get ignored and finally I spoke with a person on XX/XX/XXXX, who offered me settlement on the account in lieu of deletion. Even though this was NOT my account I agree to pay so they could delete. After they received the payment they refuse to delete this account and this is hurting my report in great deal ... I provided to them all I could police report, copy of my ids and ss card so they could compare it to what they have and know it is identity theft. But they ignore, arrogant and negligent have NOT provided me any proof validating ownership of this account and only took money that did not belong to them ...
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Mortgage

I am writing a complaint with Freedom Mortgage. They reached out to us to refinance our home. They came to our home 2 months ago and we signed the closing papers and a Notary signed and stamped papers as well as myself and my husband. They called about 4 days later said they sent the wrong papers. So my husband is out of town during the week for work he took a Friday off and thats the last time someone came out or even tried to get a hold of us. I have been calling and emailing the company for 2 months now. They told us a few times during me reaching out to them and that to not make out XXXX house payment because they messed up and they also spelled my last name different then my husbands. So for months I have been speaking to so many different people and I have everything wrote down with all info and names. So then after I keep calling and emailing they then said that they would have to start the process over but we had to make XXXX payment no matter what so we did they also said it wont go against his credit cause this wasnt our fault and that they were starting the process over. So again didnt reach out to me so I have reached out to them more then all I have already said. So again today I called and said no one has reached out to us and its almost the XXXX of the month and once that hits we have to start over again. This is all on their part and then he says we have to make XXXX payment and then they will start over again so this has been going on for months and I have tried to reach out to them more then I should of had to. So we decided that we were gon na go thru another company and because of Freedom Mortgage we can not because they said we were late on XXXX payment so it dropped husbands credit score XXXX points. I have never Dealt with a company like that before. No one is ever on the same page and you have a ton of different people telling you different things and none of them have even Spoke with each other about the situation. There is so much more information that would be better to speak with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/XXXX, I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, XXXX, and Equifax ( complaint ID : XXXX ). 

Today, XX/XX/XXXX, I received an email claiming the XXXX XXXX XXXX branch of XXXX had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

XXXX, as well as XXXX and Equifax, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it. 

In accordance with the Fair Credit Reporting Act, XXXX, through XXXX XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978. 

XXXX has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

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

Remove XXXX XXXX XXXX XXXX XXXX Ca. XXXX. This is not my address.
Product: Credit reporting or other personal consumer reports

Explained to each company I did not request credit with them and that they were supposed to contact me personally when a credit application was submitted as I have been through a situation similar to this before and my credit report states this.
Product: Credit reporting or other personal consumer reports

Beginning on or around XXXX 2024, I notified XXXX of inaccurate and illegal reporting. The company responded without addressing my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022.
Product: Debt collection

Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at Experian, XXXX and XXXX, I am writing to express my deep concern over Experian, XXXX, XXXX furthermore known as " the XXXX bureaus '' failure to investigate my mailed-in disputes, resulting in a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have received a response letter from " the XXXX bureaus '' indicating that my mailed-in dispute request " does not appear to have been sent directly by [ me ] or to be authorized by [ me ], '' which is not only inaccurate but also constitutes a failure to investigate my disputes as required by the FCRA. 
Let me be clear : I have never used a credit repair company or any third party to submit disputes on my behalf. I am the sole author and sender of each dispute I submit to " the XXXX bureaus '', and I have provided notarized documentation along with identification to prove my identity. There should be no ambiguity regarding the legitimacy of my mailed-in disputes. 
According to FCRA 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their credit report, the credit reporting agency must conduct a free reinvestigation to determine whether the disputed information is inaccurate. " The XXXX bureaus '' refusal to investigate my mailed-in disputes on the grounds that they " do not appear to have been sent directly by [ me ] '' is a clear violation of this provision. 
" The XXXX bureaus '' ongoing practice of sending letters that delay the investigation process by questioning the authenticity of my disputes is unacceptable and constitutes a significant breach of my rights under the FCRA. By failing to conduct a timely and thorough investigation into my disputes, " the XXXX bureaus '' is causing unnecessary delays, which impacts my creditworthiness and financial well-being. 
I demand that " the XXXX bureaus '' promptly address this issue by : 1. Opening and investigating every mailed-in dispute that I submit upon receipt.

2. Stopping the practice of sending letters that question the legitimacy of my disputes without valid grounds.

3. Complying with FCRA regulations that mandate the investigation of disputes submitted by consumers. 
If " the XXXX bureaus '' fails to comply with these demands and continues to violate my rights under the FCRA, I will take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies to enforce my rights. 
Thank you for your immediate attention to this matter. I expect a response confirming that " the XXXX bureaus '' has corrected its practices and will properly investigate my mailed-in disputes in accordance with FCRA requirements. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Direct express charged me {$27.00} for fees but can't explain what fees, also {$180.00} was taken out of my account without my knowledge or permission. They claimed that they did an investigation and denied me my money, I asked for an appeal they said I can't. I also asked what steps did they take in the investigation they couldn't tell me all they did was compile the information I gave them stapled the paper together and called it an investigation. What happened to pulling video from that day at the ATM?
Product: Credit card

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX  XXXX, AK XXXX XXXX XXXX XXXX XXXX, AE XXXXXXXX XXXX XXXX Balance : {$98.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I provided proper documentation from the XXXX XXXX task force and requested that adverse information be blocked from my file due to XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX XXXX, I can't add anew bank withdrawal balance to my XXXX account. I have called the customer service representative many times, but the problem has not been resolved. Please help me, thank you! 
" I am now linked with a new bank, prompting that mobile phone verification is required, but the verification page does not display my mobile phone number, so I can not complete the mobile phone verification and the new bank can not be linked ''
Product: Credit reporting or other personal consumer reports

For the past 6 months I have tried to obtain information from these companies to validate the accuracy of their findings. That have yet to send me any information on my request
Product: Debt collection

got judgement from me by check garnishment from my job. thought it was paid in full. not heard from them in 9 months all of a sudden my bank account has been drained no contact from them in any way shape or form. now my bank account is frozen and i have no money to cover my bills and no warnings once so ever.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter to TransUnion but TransUnion says that " it didnt appear '' that I sent the letter and that they wont process my request. 

This is a common stall tactic as they said the very same on a XX/XX/2022 mailing in response to a different matter.
Product: Checking or savings account

I deposited a check 7 days ago waited the 7 days for it to clear, once it did I used some of my money to pay bills and debt but card was flagged for fraud they sent a text message asking if it was me I replied yes then they called me and asked me if I made the charges I said yes, she said ok everything 's good but they proceeded to flag my account as fraudulent and froze my account so I called talked to a rep and we went over every charge and I verified them and he said my account is good I can use my card so I tried and it didn't work so I called again and they proceeded to tell me that my account is frozen and while they investigate even tho I told them multiple times I made those charges and told me that I can't use my money and there's nothing o can do so I asked why they said they don't have that information so I said can u tell me the actual charge considered fraudulent they told me no they can't I asked for there name they would only give me a first name and would not provide a employee id then hung up on me so I called numerous times asked for the same information, everytime was meet with the same answer
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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : 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.