23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We took 15 yr. home equity loan from Chase Bank back in XX/XX/XXXX in amount of {$20000.00}.
I have completed 15 year loan terms in XX/XX/XXXX by paying on monthly basis {$130.00}.
So, I paid back to Chase total of {$23000.00} but they processed only {$5100.00} toward principal and collected {$18000.00} as interest Now Chase is requesting additional {$14000.00} or they are going to collection. This is an outrage bank practice collecting in interest almost as much money as loan amount was. Is there any consumers protection available in case like this?
Product: Checking or savings account

they closed my account on XX/XX/XXXX they didn't reopen it even after i follow the rules ( i deposit my wages check they closed it for security and of course they charge me for the check not going trough so my buss called in and verify but nothing has moved since then and they charge each month for my account
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

My payroll check was never intended to go to my cashapp account, someone changed my direct deposit and had my check coming to a cashapp account that isn't mine the account number is : XXXX ( mines is XXXX ) Deposit Date : XXXX XXXX Deposit amount : {$1800.00}. I spoke with several representatives through cashapp and was hung up on, told to go through email that doesn't get a response, and then spoke with a representative that said I could email him then he directed me to a dead end. This had been going on for almost 2 weeks. Instead of sending my check back because the account isn't mine or in my name, they don't want to be accountable for having to pay for someone using the money once they noticed the check name and amount didn't match.
Product: Credit reporting or other personal consumer reports

I sent an affidavit to all three credit bureaus certified mail to update all of my personal information that is reporting inaccurate. old address phone numbers and emails, I was very specific about what personal information should be listed on my report.
Product: Mortgage

My mortgage was recently acquired by Roundpoint. I also pay my mortgage early, the XXXX payment I made to Roundpoint, it was the first payment sent to them using the payment slip they provided, was not applied to my XX/XX/2024 payment. I have no idea what they applied it to. It is like a payment was not sent from the prior mortgage company to Roundpoint. I tried to look on line, their website offers NOTHING on past payments. I tried to call them, all I get is a recorded message about tax forms, over and over. No option to speak to a person. I feel as if they lost a payment or misapplied it somewhere and they are providing no way for me to contact them and get this resolved. The number I found online, different from the number on my statement, goes to another company that purchased Roundpoint and that company has an overseas call center support and they just send me back to Roundpoint. This whole situation is horrible. My mortgage has been sold to Roundpoint, and now Roundpoint has been acquired by another company and I'm missing a payment to my loan and have no way to contact anyone to fix this.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX  Account Number : XXXX High Balance : {$8000.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. Thank you for your prompt attention to this urgent matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about an unfair debt collection and credit reporting from XXXX. On XX/XX/XXXX, I submitted to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a signed and dated letter with my intent to move out effective XX/XX/XXXX, as suggested to me by their rental office manager ( XXXX ) when I asked about the proper move out procedure I needed to follow since at the time the lease expired over a year prior. I did move out before XX/XX/XXXX as the co-occupant also co-signer on the expired original leasing contract opted to continue to reside at the rental property on a month-to-month basis for another year before moving out. 
While reviewing my credit report for the first time in a while in XXXX of XXXX, I noticed a collection account I had never seen before for an alleged debt in the amount of {$300.00} being collected on by XXXX collection agency. 
Upon my immediate request to XXXX for a validation of the alleged debt in collection also listed on my credit report, I received the attached letter from XXXX dated XX/XX/XXXX. Along with this letter XXXX provided the attached SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt in the amount of {$300.00}. This document provided to me by XXXX as proof of the alleged debt from the original creditor also listed my name associated with a mailing address of XXXX XXXX XXXX XXXX, Ohio XXXX. I have never used or seen this address, and it does not belong to me. This has never been my mailing address so if collection notices were sent to this address, I would never have received them. 
The reporting of this debt on my credit report in XXXX of XXXX was done without the XXXX collection agency notifying me of the alleged debt, and of my right to dispute it in accordance with the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have disputed this alleged debt with Experian in XXXX of XXXX and XXXX of XXXX specifically noting the wrong address associated with my name on the SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt provided to me by XXXX as verification of the alleged debt.
Product: Credit reporting 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 : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX  XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I received in the mail today a first Horizon XXXX XXXX that I did not request. This is a fraudulent account and needs to be closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT #, LAST VERIFIED, DETE OF LAST ACTIVITY, CLOSED DATE LAST PAYMENT Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT # ACCOUNT #, DETE OF LAST ACTIVITY, DETE REPORTED, CLOSED DATE and LAST PAYMENT Account Name : XXXX XXXX Account Number : XXXX Disputed Information : ACCOUNT #, HIGH BALANCE, DETE REPORTED, CLOSED DATE and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNIONhas failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : CARTA dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Debt collection

Sunrise Credit Services XXXX, NY XXXX RE : Account Number : XXXX Dear Sunrise Credit Services, I am writing in response to the above-referenced account, which you have erroneously reported to my credit files. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., and applicable Pennsylvania consumer protection statutes, I hereby formally dispute and unequivocally refuse to pay this alleged debt. 

First and foremost, you failed to provide any prior notification of this alleged debt before placing it on my consumer credit report, thereby violating my rights as stipulated under 15 U.S.C. 1692g ( a ). This violation alone is grounds for immediate removal of this account from my credit report. 

Additionally, under both federal and Pennsylvania consumer protection laws, including but not limited to Pennsylvanias Fair Credit Extension Uniformity Act ( FCEUA ) and Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), I am entitled to a full and complete validation of this alleged debt. Therefore, I demand that you provide the following documentation within the statutory period : The original signed contract or agreement bearing my signature, verifying my obligation to pay the alleged debt. 

Complete chain of assignment clearly identifying your authority and standing to collect this alleged debt. 

The full purchase and sales agreement documenting the transfer of this account from the original creditor, XXXX, to Sunrise Credit Services. 

Be advised that a mere billing statement or printout from your internal records is insufficient proof under federal and state laws. Without the requested validation documentation, any further attempts at collection or continued reporting of this alleged debt to any credit reporting agency will be deemed as willful violations of the FDCPA and FCRA. 

Given these violations, I demand that you immediately cease all collection activities, promptly delete this account from all consumer credit reporting agencies to which you have reported, and provide written confirmation of such deletions. 

Failure to comply with this request within thirty ( 30 ) days from the receipt of this letter will result in my pursuit of all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Pennsylvania Attorney General, and potential civil action to enforce my rights. 

This communication serves as formal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them consumer mobile loans Interactive XXXX  XXXX  XXXX-XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  in all hard inquiries listed
Product: Credit reporting or other personal consumer reports

I am processing disputes to clear all negative an invalid information off my credit report. this is my XXXX attempt to delete an remove all inaccurate information. checking my file ive noticed none of the items are valid on all XXXX credit reports. please review an remove the listed items so that my credit can be cleared with all of the correct information remaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO XXXX - The payment history on this account is inaccurate. I was never late. My credit report shows that I am 30 days late for the month of XXXX and XX/XX/2020. My payoff check to pay this account in full was delivered to Chase on XX/XX/2020. I have attached the tracking history as proof.
Product: Debt collection

The debt collection agency, Aargon forwarded a negative report to our XXXX XXXX credit report, WITHOUT any written communication with us, and this has adversely affected our credit rating. 

When we contacted them, they now sent us a letter on XXXX XXXX, 2016 stating that " Information regarding this account may be reported to a credit reporting agency upon the expiration of the time limits indicated in this letter. '' Apparently, that claim was inaccurate, because, through an alert system on XXXX XXXX, we had discovered the negative entry from Aargon on our XXXX XXXX credit report. 

We have provided Aargon Agency, by email and certified priority mail, the necessary documents to prove that we did not owe the debt but have yet to hear or read from them. We provided Aargon Agency with XXXX lease agreement with tenants who lived at our rental property at the time of the debt and who had accounts with the apparent creditor company, XXXX XXXX company. 

We hope you would assist us to correct this error, as the negative report has decreased the credit rating that we jealously built and maintained ( resulting in a drop of about XXXX points! ). The bad report from Aargon Agency will eventually affect our ability to borrow, possibly leading to economic hardship for my family.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In XXXX of XXXX I sent a dispute to TRANSUNION, XXXX, and EXPERIEN yet 3 years laterTRANSUNION and XXXX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX that was late and sent to a collection company by the name of XXXX XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX, XXXX, MO XXXX. This account was hurting my credit report so I reached out to XXXX XXXX and requested that if I pay the account in full to have them send me a Pay for Delete letter to remove this account from my credit report. They told me I would have to contact XXXX for said letter. I spoke to XXXX and now they tell me I need to get that letter from the company I settled the debt with, which is XXXX XXXX. XXXX of these companies are lying and I believe it's XXXX XXXX because they purchased the debt and have rights to it which would give them the power to issue the deletion. I have receipt from them of the account paid in full and wish to have the account removed from my report immediately. The account was in my maiden name which is different from what is listed on my credit report.
Product: Credit card

Ever since Ive opened up the Navy Federal XXXX XXXX credit account as well as another card called cash advance with them the interest is so ridiculously high which you arent told about in the beginning that once you pay a bill on your due date above the minimum payment about interest gets Tacked on XX/XX/year> hours later so it looks as if you didnt pay anything That way you will never get ahead with them MAJOR SCAM