23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a Business Purpose loan that was done through XXXX XXXX, serviced by XXXX XXXX. BSI Financial purchased the loan XX/XX/2019. 
I adjust our auto-payment to the XXXX for XXXX because our tenant late was going to pay rent late - due to being laid for the Virus. 
After payment, I got a late fee for 10 % of my typical mortgage payment - because our payment was considered late by the XXXX. I never agreed to a late fee being imposed by the XXXX in my original loan agreement. I also never agreed that it would be 10 % of my payment. 
BSI can not purchase my loan and then change the terms of my loan the have to abide by the original agreement.
Product: Credit reporting or other personal consumer reports

**Formal Dispute of Inaccurate XXXX XXXX XXXX the XXXX XXXX Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about XXXX failure to properly investigate consumer disputes. 

In a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law. 

I formally request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account XXXX. Provide all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as required by law.

Given the CFPBs recent findings, I expect XXXX to address this dispute with the highest level of diligence and in full compliance with legal requirements. 

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation. 

Sincerely, XXXX XXXX
Product: Debt collection

I've sent out an Affidavit of Truth and Cease and Desist on XX/XX/2021. 
The response was incorrect according to the law. I then proceeded to send a Notice of Default and Opportunity to Cure on XX/XX/2021, which has been ignored. 

BULL CITY FINANCIAL SOLUTIONS , INC, is in violation of laws listed under the FDCPA. 

The law also states An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Product: Checking or savings account

Truist took control of my checking account and locked me out, not allowing me to make deposits or withdrawls, or ability to use my own money.
Product: Checking or savings account

I received a government ppp assisted loan approved by SBA. US bank received the funds from lender. The funds were made available by the ach department and available foe use I. My account all day. I went to the bank so that I could get a money order to pay Office rent. The branch teller required information about the loans which I gave. The teller placed a hold on the funds and put my account in the negative. Told me ach department had to verify the funds when in fact the ach department is the one who released the funds. I called customer service they were unsure why the hold was placed at the branch level but made available by the ach department. This practice of holding ach loans isnt listed in their fee schedule nor listed in the account. My loan was processed and approved by the sba government entity. I have payroll and office rent to finally pay but the bank wants to control the money. Us bank removed the funds from my account and I do not have access to the funds. They placed a 7 day hold which no one could explain why and was told to come back another day.
Product: Money transfer, virtual currency, or money service

Some time before XX/XX/2021 I activated a cashback offer from XXXX XXXX that would grant 20 % cashback on purchases over {$50.00}. The offer was set to expire XX/XX/2021. 
I received a notification sometime between XX/XX/2021 and XX/XX/2021 stating that my offer was about to expire, and made a note to myself to shop for glasses and contacts. 

On XX/XX/2021 I made XXXX purchases to to XXXX XXXX in the amounts of {$5.00}, {$100.00} and {$38.00}. The receipts all show the transaction as paid on XX/XX/2021, The processing of the transactions show as cleared on XX/XX/2021. I expected a cashback of {$20.00} to reflect in my account. 

On XX/XX/2021 while skimming through new offers in the GPay app I noticed another XXXX XXXX offer and activated it. Then went to check on the status of the cashback for the previous offer. It was not there. I attempted to contact support through the app several times over the next few days, and I was not successful. 

On XXXX I was able to get a hold of support via the browser, TO which I feel like I have gotten the run around. They have told me that there wasn't a XXXX XXXX offer then. I responded showing it listed as an offer in XXXX. https : XXXX # The_Offer They then told me that I activated it on XX/XX/XXXX. I reiterated that I activated a separate second offer on that date. and that I was looking for help with the offer that expired on XX/XX/2021, not the one expiring on XX/XX/2021. And I referred back to the fact that I got a notification for the expiring offer and to the link showing the offer listed in XXXX showing the expiration of XX/XX/2021. 
I then asked for a list of all offer that I had activated in the past, they pointed me to the list of currently activated offers I reiterated that I wanted to see all the offers I had previously activated not just the ones that are currently active. 
I asked for a transcript of the chat conversation to be sent, it was not and I can't attach it.
Product: Vehicle loan or lease

As the Consumer/creditor, Navy Federal Credit Union is in violation for several federal laws of conspiring with two other companies " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of XXXX, XXXX, XXXX towing company '' and " XXXX XXXX XXXXXXXX '' a Storage company based in XXXX, PA '' to steal my property a XXXX XXXX XXXXXXXX XXXX XXXX XXXX Navy Federal violated my privacy under 15 USC 6802 obligations with respect to disclosure of personal identification which they violated by giving my personal information to a third party to steal property without due process and the another company to store my property for ransom which is a violation and they conspired under 18 US code subsection 894 to punish any person for the non-repayment; for collection of extensions of credit by extraordinary means so they utilized a third party to try to extort money from me for non-repayment of an obligation when payment was made in full by negotiable instrument certified and sent in the mail without return, to their remittance processing center. And 15 USC 1692 ( g ) by not Validating the debt By Affidavit of Judgement when ask by Affidavit and Notice. Navy Federal along with its representatives violated federal law 15 USC 1692 ( f ) by breaching the peace when they were told not to take the vehicle but stole it anyway. Along with these violations Navy federal is in violation of the tender of payment law under : North Carolina general statute subsection 25-3-603 tender of payment ( a ) if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused there is discharge to the extent of the amount of the tender of the obligation of an endorser or accommodation pardon having a right of recourse with respect to the obligation to which the tender relates.

Navy Federal has violated this federal law of tender of payment with a negotiable instrument this has put Navy Federal in Dis-honor UCC 3-502 And also in violation UCC 3-501 of a presentment.

The above info was to give some background. on what's going on and what was violated.

I also in my many notices/Affidavits correspondences, " with no rebuttal '' with Navy Federal Credit Union I asked that all adverse negative information be erased from my credit report because payment was made and not excepted which put them in Dis-Honor.

The documents you're asking for below has already been submitted to Navy Federal Credit union in an administrative process by affidavit and no rebuttal. what i want to know is what is your response to them for not complying with those sad notices\ Affidavits documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX.
Product: Debt collection

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. I am quite miffed that you have included the following information on my credit report : 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. Please delete these fraudulent account on my credit file immediately.
Product: Credit card or prepaid card

I made an agreement with Discover card over 4 years ago to be put on a monthly payment plan which would allow me to pay off my balance within 2-3 years and still allow me to keep my account open. However, Discover closed my account without notifying me even though I had not missed any of the arranged payments in over a year. I continued making payments because they told me they suspended charging me any additional interest as long as minimum payments were made. It has now been 4 years and although I have paid over {$2400.00} to date, I found out today that my original balance of {$1900.00} has only gone down to {$1700.00}. 

This is the very definition of fraud and predatory lending practices and I would like to get assistance to have the debt reported accurately as paid in full.
Product: Mortgage

We obtained a mortgage to purchase a new home from   XXXX   XXXX   XXXX   ( a mortgage broker ),   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX     to purchase our home at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX . The mortgage was sold to Amerihome Mortgage   XXXX   XXXX  ,  XXXX , NJ  XXXX . At the time of the mortgage sale to Amerihome we believed we had an escrow waiver from   XXXX   for the hazard insurance and real estate taxes. As it turns out, we only had the hazard insurance escrow waiver. On   XX/XX/XXXX ,  I paid the   XXXX   XXXX   XXXX     XX/XX/XXXX  R eal Estate Tax by electronic transfer in the amount of {$3600.00}. I later learned the Amerihome also paid the real estate tax in the same amount. I tried to ask Amerihome to request the refund from the   XXXX   XXXX   XXXX   for the overpayment so we did not have an escrow shortfall. On  XX/XX/XXXX , a supervisor at Ame rihome names  XXXX , promised verbally that they had initiated the refund and that the escrow shortfall would be correct then. As of today 's date that has not happened despite numerous calls to Amerihome and emailing them using their secure message system. My account number is   XXXX  . I can not initiate the refund reques t from the City bec ause I do n't want it to appear as a tax delinquency but Amerihome promised they would. I am totally current on my mortgage and also paid down the principa l in  XX/XX/XXXX   by {$370000.00} as the proceeds from my prior home 's sale.
Product: Debt collection

XXXX XXXX XXXX is reporting to my credit reports a debt that they claim is written off. They have not provided me the proper tax forms ( 1099-c ) in timely manner so I can file the charge off as income not have they my wet signature on any type of document authorizing them to publish my personal information ( the debt in question, my identifying information, etc ) to any third party ( i.e. the credit bureaus ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

PER THE DEPT OF VETERANS AFFAIRS-CONSTRUCTION AND VALUATION. THE APPRAISAL FEE OF {$1000.00} HAS NOT BEEN PAID TO THE APPRAISER, XXXX  DAYS LATE, SO THEY SUGGRSTED TO FILE ( VA CONTACT XXXX. 

XXXX TOTALING {$1000.00} PAID TO XXXX XXXX ( XXXX ). VA XXXX # XXXX ADDRESSED APPRAISED XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

In XX/XX/2020 XXXX  XXXX  solicited me by email to sign up for online sports betting. 
My XXXX XXXX Credit card account had a XXXX  balance. 
I signed up under their promotional and deposited {$500.00} using my XXXX Credit Card. 
I added another {$100.00} a few weeks later using the same card. ( For a total of {$600.00} deposited into my XXXX account from the XXXX Credit Card ) I attempted to place a bet but was prohibited by the XXXX program allegedly because they could not identify my geographical location. 
I did not successfully place any bets using the XXXX program. 
I received my XXXX XXXX Credit Card Statement in XX/XX/2020. 
The XXXX XXXX Statement showed two transactions - one for {$600.00} and the other for {$100.00} in XX/XX/XXXX. Additionally, there were card transfer fees associated with the transfers of {$40.00} ( {$25.00} for the {$600.00} transaction and {$15.00} for the {$100.00} transaction ) I attempted to contact XXXX ( e.g. XXXX XXXX XXXX  ) to cancel the transactions but was unsuccessful. ( No calls answered or returned after leaving message ) On XX/XX/XXXX I contacted XXXX Credit Card company ( FirstBankcard ) and explained that I had not received the services associated with the charges and that I was unaware that there would be additional fees associate with the charges and I wished to dispute the amounts and the associated fees. I was informed that I did not have to make a payment during the process and was assigned a dispute case Number XXXX. I was informed the matter would be resolved within a couple weeks and there was nothing further I needed to do on my end. 

In XX/XX/XXXX I received a followup information request from XXXX XXXX Billing Resolution Services. I completed the questionnaire and returned it via USPS. 

Today, XX/XX/2020, I received a phone call from XXXX ( Recorded line ) of the collections department for FirstBankCard. I advised her that the matter was in dispute and gave her the case Number. 

XXXX, transferred the phone call to XXXX in the customer service division. XXXX requested personal identifiable information from me and since I didn't initiate the phone call I declined to provide it. XXXX advised she couldn't proceed and provided another number for me to call back XXXX, whereupon I disconnected and called the number she provided. The call was answered by XXXX ( Recorded line ). After explaining the circumstances to XXXX she put me on hold then transferred the phone call to non other than the original XXXX that called me in the first place. ( Recorded line ) XXXX confirmed she was the person that originally called me. 

XXXX spoke with her supervisor and then informed me that I must make a payment of {$43.00} to avoid the matter being reported to the Credit Bureau. I informed XXXX that the matter was in dispute, that there are no other charges on the credit card, and that I was told I didn't have to make a payment while the dispute is being processed. Additionally, the money she demanded as payment was related to fees that were associated with the dispute. XXXX said if I didn't make the payment the matter would be reported to the Credit Bureau. We ended the call.
Product: Credit reporting or other personal consumer reports

I urge you to swiftly remove those inquiries from my account as it is not associated with me and is evidently fraudulent in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This block should remain in place for one year, at which point I may request an extension. During the block, you may not report this information or share it with any third parties.

I have contacted your bureau multiple times regarding these fraudulent accounts, but I have not received a satisfactory resolution. This situation is severely affecting my ability to secure a new home for my children, which is a critical priority for my family.

Additionally, I have requested contracts or documentation from the companies associated with these accounts to verify their legitimacy. However, after more than 60 days, I have not received any response. This lack of response further confirms that these accounts do not belong to me.

I urge you to take immediate action to delete these accounts from my credit report. I have attached the FTC report and all necessary documentation to support my claim. I trust that you will review my case thoroughly and make a fair decision to resolve this matter.

Thank you for your prompt attention to this issue. I look forward to receiving written confirmation that these accounts have been removed from my credit report.
Product: Debt collection

Upon obtaining a copy of my credit file. I notice XXXX XXXX has now added two account which I never received any mail for. I have made attempt to contacting the company but never has anyone call me. 
creditor information : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX the amount of {$1000.00} and the date XX/XX/XXXX also a balance XXXX and at the current time I saw a doctor I've always has health insurance