23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On        XXXX   XXXX   XXXX    I requested a payoff of my   XXXX    XXXX   XXXX  that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from  Chrysler valid through  XXXX   XXXX ,  XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on  XXXX   XXXX  and was advised that the cashiers check had cleared on the  XXXX  of  XXXX . I received a bill of sale from Chrysler Capital the week of  XXXX   XXXX  along with the original title transferring ownership to me. On  XXXX   XXXX  my mortgage broker proceeded to pull my credit and we found that  Chrysler  had reported me late for the  XXXX  payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take  24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On  XXXX   XXXX ,  XXXX  I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to  4 different supervisors/managers and each one to ld me the  XXXX  department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be  24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the "  XXXX  '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Product: Credit reporting or other personal consumer reports

I had no idea I cell phone account through XXXX that was opened in my name in XXXX of XXXX. I've have phone service through XXXX  for several years. I found out about the fraudulent account by logging into my XXXX  account to pay my cable bill one day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXXXXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.
Product: Debt collection

I am being harrassed multiple times daily by Navient Corporation looking for someone who has defaulted on student loans. Navient is now also calling my son, my daughter-in-law, my daughter-in-law 's mother and her father. They are also using false phone numbers to make these calls. They have been told to stop but refuse to do so. All of us have told them we do not know the whereabouts of the person they are trying to reach. The most recent calls were today, XXXX XXXX  2017. I can provide phone logs of the hundreds of calls to my cell phone and my home if you should need them. On one call back to Navient requesting that they cease calling me, a representative stated " we will never stop calling until we get our money ''. I desperately request your assistance to make them stop calling me and my family. They begin at XXXX and continue until XXXX every single day. None of us, including myself has EVER done business with Navient, has ever borrowed money from Navient and wants nothing to do with Navient!
Product: Checking or savings account

I made XXXX deposits in XX/XX/2023 I opened my account in XX/XX/2023 the only deposits I have been able to make totaling XXXX dollars. I have had no clue that they clear I had no notification. Nothing till I checked my account and forgot I had made those deposits I go to the ATM and decline I tried to go login online no access I did get a letter stating that funds are on hold due to suspicious transactions I never knew anything about the investigation on my account didn't know account was froze until everything started to get returned my car payment overdraft returned stating due to hold on my account. 
If the checks cleared they have a law called XXXX rule and it's way past that hold time. I have been lied to told excuses after excuses about why I was even lied to a discriminated against. It's alarming for the fact they are my bank and should be protecting me all the returns have lost my car due to non payment goanna lose slot if they can't resolve this. 
I was told to into the branch and sign a affidavit taking responsibility that turn into oh no we need all parties to come in and sign. If they was going to go onto the bank they could have without me but they endorsed the checks because of their moving situation I accepted the payment t for the construction clean up of the old property they sold to XXXX company these people are millionaires and have moved on with their life. So in the end XXXX reachable but I would assume the bank XXXX would have had a better chance than me by now its been over 6 months now. I have been basically told we dont know if youre a lying to my face and I was told to contact a person I. XXXX department who is never ever available not one has returned XXXX of my calls messages nothing I have talk to. Complaints department who promised to call me back never has I been waiting since XXXX this is frustrating. And wrong I feel like they are expecting me to give up by ignoring me so they can keep I the money. No one is looking to file for a return because there is no fraud being committed I refuse to allow thus bank to steal from me I have sent complaint to bbb they recently closed case due to the person responded and they said nothing about nothing I have called them they to have yet to call me like they say they would now they just say we need all partys signatures well you already have them the checks cleared from. The paying bank without any doubt but now my bank is doubting me its wrong g and they need to release my funds at once and close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These 2 Collection Agencies both Violated ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g and ( FCRA ) 15 U.S.C. 1681 Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g, debt collectors are required to provide a debt validation notice within five days of their initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt within 30 days. Despite my formal request for validation, [ Collection Agency Name ( s ) ] has failed to provide sufficient evidence that these debts are valid and legally enforceable. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : According to the FCRA, all information provided to credit reporting agencies must be accurate, complete, and verifiable. Under 611 of the FCRA, consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. I have disputed these collections accounts with the credit bureaus, yet the collection agencies have not provided adequate verification, which is required to continue reporting these debts. Failure to verify such debts mandates their removal from my credit report
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Mortgage

The solar installation was canceled in XX/XX/2023 by XXXX XXXX because the township wouldn't issue a building permit and they have refused to properly notify Mosaic of the cancelation so the loan can be properly canceled by Mosaic. Accordingly the loan remains on my credit report effecting my credit score as an outstanding debt.
Product: Debt collection

I sent letter LVNV requesting that they validate not verify debt they are attempting to collect. I specifically asked for signed aggrement and other suppportimg documentation. They provide me with billing statements which does not prove I am obligated to pay them anything. They have report delinquent information to credit bureaus asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete ASAP.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent a letter to XXXX about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to Equifax w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.
Product: Debt collection

I get phone calls morning XXXX  and night. I have told them to stop so many calls but they still call even on Sunday in the morning. I had two calls in a row on a Sunday morning from XXXX XXXX. I received 9 calls on Saturday. I receive about 9 during the week day every day as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I have been waiting on funds from my account to be returned to me since XX/XX/year>. I have been told that theres no time frame on receiving that check
Product: Credit reporting or other personal consumer reports

XXXX XXXX I am a victim of several credit data breaches including major credit bureaus Transunion,! XXXX and a company reporting to XXXX ( XXXX ). I have an email explaining what and how it happened ( proof ). Ive noticed several inaccuracies violating codes 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

On XX/XX/2020 the district manager " XXXX " contacted me and I was explaining that I was at work and why I haven't made a payment this month when for no reason got loud with me over the phone in wich I hung up. He repeatedly called my phone over and over from several numbers even found some type of way to make it seem like my employer with the # XXXX witch would never do because of a no phone policy at work. Then someone proceeded to run my credit from the company the same day without my approval. I have all the documents to take legal action if necessary!
Product: Mortgage

I have applied residential mortgage loan to Wells Fargo bank for the refinancing. I submitted all the documents per their instruction on XX/XX/2020. After that, Bank loan officer, XXXX XXXX asked me to pay appraisal fee ( {$610.00} ). On XX/XX/2020, I received a declined letter. During the process, I never communicated with the loan officer or underwriter at all. Due to their unfair and unreasonable business practice, I requested the refund of appraisal fee to the loan officer by email. Right after that she called, saying she is going to request the refund to the bank. After that, I received a call from XXXX XXXX, Executive Resolution Specialist on XX/XX/2020. She said the bank can not refund no matter what. They only pre-approve the loan for purchase case. 
I am former bank loan officer. I have been in the financial industry over 30 years. I never experienced this kind of unreasonable business practice. It is worse than small residential mortgage brokerage company. They don't have business ethics. I think their loan processing system needs to be fixed. It is totally wrong. 
( Now that I am filing the complaint to CFPB, they sent some document copies with letter to me to cover their XXXX dated XX/XX/2020 ).
Product: Debt collection

Please accept this as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await the requested proof.
Product: Mortgage

Today, XXXX XXXX, XXXX, one day after the auction of the unsecured debt ninety months past due related to the XXXX Deed of Trust which Bank of America has represented to me no principal balance exists, I have had to deal with a man driving a blue XXXX XXXX claiming his client bought my property and home. After he tried to open my front door without knocking, I told him to leave as he is trespassing and not to come back. I also informed him his client may have bought a debt, but he did not buy this property as this property was not used as collateral to secure the debt once incurred under the terms of the XXXX Deed of Trust and to contact Bank of America to get the details related to the XXXX Deed of Trust, California Homeowners Bills of Rights, Fair Debt Collection Practices Act, and Adverse Possession. 
Additionally, Bank of America has committed multiple acts of fraud related to this account, including dual tracking. But for dual tracking, I would not be subjected to the unwanted traffic upon my property and disruption of my quality of life. It is because of dual tracking, the recording of the Notice of Default, subsequent Notice of Trustee Sale and the Trusstee 's auction, I can get no rest nor peace, night or day. 
All previously mentioned resolutions are desired and required, including a brand new home built on the subject property complete with landscaping as it is no longer a place of peace, security, and tranquility.
Product: Credit card or prepaid card

Discover Financial Services LLC failed to validate their account and Discover Financial Services LLC have no knowledge of who opened the alleged account. AGENT NAME ( Fraud and dispute department ) requested the authorized representative for IDENTITY THEFT VICTIM to sign the name 3 times on documents provided by Discover Financial Services LLC and send in identification on an account that is listed as closed & charge off. ( IDENTITY THEFT VICTIM ) is a victim of identity theft and will not disclose any private information without proof of a previous contractual agreement with Discover Financial Services ; signed wet-ink. Discover Financial Services LLC received insurance payments each time the account was charged off. AGENT NAME was informed that the call was being monitored and recorded also. Discover Financial Services LLC failed validated their alleged account.

Discover Financial services LLCs representatives failed to request an address, phone number, answers to security questions or anything that could actually identify IDENTITY THEFT VICTIM. 

Discover Financial Services LLC is NOW conducting fraudulent credit practices by updating information on IDENTITY THEFT VICTIM 's credit file without verification of data. Discover Financial Services LLC has also been proven to be a fraudulent card member service company that violates its alleged clients rights. 

On XX/XX/2021 an email was received from AGENT NAME of the Executive Office of Customer Advocacy. Identity theft victim has no idea who the email came from. Only the CEO of Discover Financial Services received an email. This email will also be added to the proof of failed validation attempts from Discover financial services. 

all supporting documents will be uploaded per requests.