23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent XXXX XXXX certified letters on XX/XX/XXXX and XXXX asking for them to send me verification of this debt such as a contract I signed with XXXX XXXX or any other documentation bearing my signature, Showing that I owed any debt.They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill but did not bear my signature. Upon reviewing said documents I noticed they are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 3 ), Section 623-b ). The alleged account is unverifiable and the Statute of Limitations has expired. They have also Re-Aged the Debt and they are reporting it as an open account.It is damaging my credit report and credit score, and has been a principle reason I was denied credit due to this account reporting. I am considering legal action against XXXX XXXX on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of { {$1000.00} } in  damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Violation of Corresponding State Laws
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, XXXX and Equifax on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT EQUIFAX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION
Product: Vehicle loan or lease

Requested Regions Bank XXXX XXXX and also Regions Bank XXXXXXXX XXXX  location for Lien Release letter ( loan closed in XX/XX/year> ), Customer Support asked me to drive 3 hours one way to XXXXXXXX XXXX to seek this letter stating my loan number doesnt exist in their system after their IT system upgrade. I called Regions Bank XXXXXXXX XXXX location, they said they can only initiate their systems to trigger documents but they dont know what documents will be generated by their systems.
Product: Credit reporting or other personal consumer reports

I AM INTERTESTED IN PROCESSING DISPUTES FOR THE FOLLWOING ITEMS LISTED ON MY CREDIT REPORT THAT IS HINDERING MY FIEL. THESE ITEMS DO NOT FOLLWO THE FCRA RULES. I AM ALSO A VICTIM OF IDENTITY THEFT, PLEASE REVIEW AN REMOVE ALL LISTED ACCOUNTS THO HELP CLEAN MY CREDIT REPORT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant credit company account was closed. Did not contact me on the fact there as a interest payment in this account so was closed and they keep reporting to agency as past due and was not. I was not informed via nothing letting me know of it being late credit companies did not investigate properly or this would still not be on my report. Hence violated my right under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681
Product: Student loan

I have tried on numerous occasions to work with Navient in getting a reasonable payment. However, they have failed my family and I because on the income based repayment plan they want to charge me nearly {$550.00} a month and being a family of XXXX in XXXX Florida I simply can not afford that amount. They have failed to educate me on other options and I simply am letting interest sky rocket my loans due to forbearance. Please Help, I am drowning slowly!
Product: Checking or savings account

I applied for a US Bank smart savings card on XX/XX/XXXX and topped it up with XXXX {$300.00}, but they didn't send me the card for a month. I contacted them twice, but there was no solution. They told me that {$25.00} had been deducted, but I did not receive the card. I do not have an offline store in XXXX XXXX and they did not inform me of the solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( XXXX ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX # XXXX {$0.00}
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.
Product: Checking or savings account

On XX/XX/24 I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX ) after seeking movers online. I was given a quote and told I had to pay XXXX % as a deposit via XXXX. The movers were to arrive on XXXX. I was in contact with XXXX  XXXX the entire time who said he would personally handle my move. On the day of my move XXXX  XXXX stopped responding to me. He only responded to my friends who texted him from a different number. I also called the customer service line several times from my number and did not receive a response. However, when I called with a private number, I received an answer from a representative I asked. When was I going to receive my service, and she said I wasnt confirmed I told her I had paid a deposit of {$1300.00} and she said my pick up was awaiting confirmation, which was contradictory to what I was told by our XXXX. I asked if I can get a refund since I was not confirmed by them even though it was my pick up date and she told me we can not refund you because you were confirmed on XXXX, which also contradicted what she said previously. Wells Fargo bank said they are unable to refund me due to this being an XXXX transaction and the company ran off the with my deposit with no intention of ever providing a service.
Product: Mortgage

I have attempted to pay off my escrow shortage for 8 months. On XX/XX/2023 my conversation with the representative advised me of the balance of the escrow shortage of $ XXXX, which was paid off and a new mortgage payment was recalculated. I adjusted my new auto pay to reflect this amount plus an additional amount t be applied to my principal. After paying off the shortage and adjusting my payment tit reflect the new amount the representative gave me, I have recevied several emails stating they did not apply my payment due to a shortage in my payment. Since then, I have called the mortgage company 7 times because they never adjusted my payment, did not apply my payments appropriately and have not corrected the escrow shortage that was paid off. I have left 4 messages with the head of the department to clear this up and I have not received one phone call back. I just sent a certified letter to the financial institution on XX/XX/2023 asking them to resolve this and to contact me. This has been extremely frustrating and I am a successful realtor that deals with lenders everyday. I am at my Witts end with BSI Financial.
Product: Checking or savings account

After opening an account, I was charged a {$25.00} fee for 'delux check ' that I did not order nor did I know I would be charged for. In resolving this, the bank says it will take up to 10 business days to investigate, and that I should fund the account in order to avoid an overdraft fee. That fee would be on the account of an overdraft due to a problem they have created. 

Not only was I not told during account opening about this, there was no notification afterwards that I was charged. 

If I had not been checking in on my account for some other reason, I would've been ( a ) charged for a service I do not want and ( b ) charged for overdraft.
Product: Credit reporting or other personal consumer reports

LexisNexis used my information to verify disputed items while I have an active Opt-Out Election Form to the credit bureaus there for violating the FCRA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been sending letters to XXXX XXXX XXXX for almost a year now and have not received a response from them. Despite previous attempts to resolve this matter, the erroneous information persists on my credit report. It is essential to note that under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), you are obligated to maintain documentation verifying the accuracy of reported information, that you have failed to provide. Additionally, you have neglected to adhere to the verification process outlined in Section 611 ( a ) ( 7 ), which requires the prompt deletion of unverifiable information. 

I am fully prepared to pursue legal action to enforce my rights and seek appropriate remedies for your willful and negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware, the plastic card device issued from the creditor Capital One gives way to I, the affiants open - ended consumer credit plan in accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time. It is a fact, affiant is aware this reported information is only information based solely on transactions and experiences between I, the consumer, and this accounts ending in XXXX and XXXX. This is a violation of 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). It is a fact, affiant is aware, negligence is neglecting requirements that should be known. I, the affiant and consumer, made Capital One aware of, prior and continued failures of reasonable procedures as see The affiant has reason to believe and do so believes due to Capital One business practices, Capital Ones actions are liable under 15 U.S. Code 1681o for the actual damages caused to me, the consumer in fact. How do I have a balance if the account contains a finance charge? How am I late regarding payment on the accounts? Both accounts were paid in full upon the opening of the accounts when Capital One used my credit card ( social security card ).
Product: Payday loan, title loan, or personal loan

Hi! 

I received a letter from Synchrony Bank XXXX XXXX XXXX XXXX FL XXXX Tel. XXXX stating that I requested for a XXXX XXXX XXXX product. I called the bank and told them that I never applied for such inquiry. Some one is using my name, address and Social Security number to apply for a credit line. I would like law enforcement to investigate my case. Thanks And whomever used my information put an Apartment number which is wrong. I would definitely press charges to the fullest in recommended by authorities.
Product: Credit card or prepaid card

I applied for a BJ 's credit card that is issued through Capital One around the beginning of XXXX. I filled out all of the pertinent information on the initial application. They came back asking for more information such as copies of my drivers license and social security card. They wanted me to mail the info, but I felt uncomfortable putting all of that information in one envelope. Instead, I faxed in the information which was allowed. After not hearing back from the credit card company, I called Capital One on XX/XX/10 to find out the status and they started asking for more information than what was already requested. They wanted my drivers license blown up in size and mailed along with a current bill. However, they never requested this initially. They seem like they are trying to deny my credit card, and are looking for a reason. My credit score is very high and there should not be a reason to be denied. I have never been denied before. The requirements from Capital One seem extreme and not consumer friendly.
Product: Credit card

I had inquiry on my credit report saying that I applied for chase bank credit card ( XXXX ) i tried to call them to inform them that this was n't authorized by me so they can take it out from my report so they refused saying i have to wait until XXXX 2018.
Product: Virtual currency

Coinbase account closed without reasonable explanation, being told I 'm involved in illegal activities with nothing to back up said claim. I have been operating a Coinbase account for about a year now with no issues in the past, until Coinbase emailed me a month ago with the following : " Thank you for your interest in Coinbase. Our primary goal is to make bitcoin safe and secure for our customers. Coinbase is a regulated XXXX Business under FinCEN XXXX FinCEN.gov XXXX, and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. After careful manual review, it has been determined that your account has been involved in XXXX or more violations of our User Agreement. You can review the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement We regret to inform you that we are no longer able to support your Coinbase account. Unfortunately, this decision is not subject to appeal ; we are unable to reinstate accounts in violation of our User Agreement. '' After communicating with Coinbase about this issue, they state I 'm in violation of their user agreement, specifically " On XXXX/XXXX/15, your account sent XXXX XXXX to XXXX. We have reasonable cause to believe that this transaction violates the Coinbase User Agreement. Specifically, please see Item XXXX under Appendix XXXX ( " Prohibited Businesses and Prohibited Use '' ) of the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement # appendix-1 : -prohibited-businesses-and-prohibited-use If you believe this determination is in error, please provide corroborating documentation demonstrating the nature of the above-referenced transaction and we will be happy to take another look. '' I state it was an exchange between myself and a friend for XXXX, which I provide a screenshot for with timestamps that date to the exact time the XXXX was sent. In response, they sent " Thank you for your message and for the screenshot of the XXXX transaction. While the timestamp on the XXXX transaction is indeed similar to the transaction sent to XXXX, the information you provided remains inconsistent with the information we have on file for XXXX. We have reasonable cause to believe that the XXXX XXXX sent from your Coinbase account to XXXX on XXXX/XXXX/15 may be associated with counterfeit government identification documents. Specifically, please see XXXX Accordingly, we are unable to restore your account. '' Again, after denying that I 'm related to counterfeiting at all, they refuse to reinstate my account, even after backing up my claims that I 'm not in violation of their user agreement. I have n't had issues in the past and had no idea my friend was involved in counterfeiting. I want my account reinstated.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and seen things on my file that is inaccurate and is hurting me from getting a house for my family. I would like to get this inaccurate account investigated and deleted and please show proof of how you guy investigating the information. According to us code 1681 ( a ) and ( b ). Also 15 us code 1692 according to fair credit act. Please remove this information. According to 15 us code 1601 I would like for this information be remove. This is a fraud account pro collect and also credit acceptance. There is also inaccurate information from from the account pro collect and credit acceptance. I never live at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX