23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report. Despite my persistent efforts, this marks my multiple attempts to resolve this matter, and I am seeking for your assistance due to continued inaccuracies and discrepancies. Since then, I have made multiple attempts to rectify this issue, yet the fraudulent items persist on my report, adversely affecting my creditworthiness and causing significant financial hardship. I urgently request for your intervention. It is crucial that these inaccuracies are thoroughly investigated and promptly removed from my credit report to restore the integrity of my financial standing. I am available at your earliest convenience to provide any additional information or documentation necessary to support this complaint. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Owed : {$590.00} XXXX  XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance XXXX : {$1000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$480.00} XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>.
Product: Debt collection

I noticed that I had an account in collection via my credit report for XXXX XXXX XXXX and this debt was being persuded by a company called Credence. I contacted the debt collection company and XXXX XXXX XXXX and requested this debt be verified and validated. XXXX XXXX XXXX did not have an account attached to my social or the account number given by Credence. I received a letter in the mail from Credence on XXXX/XXXX/XXXX with a billing statement. Upon reading through this document I discovered several inaccuracies including a billing statement dates of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX, the letter was dated XXXX/XXXX/XXXX, an non residential address, and an invalid account number given by Credence. I contacted the company directly about my worries about this obvious docted document and they informed me they received it directly from XXXX XXXX XXXX. I pulled my credit report and this debt is reported on XXXX/XXXX/XXXX. Credence is standing by their story that this document came directly from XXXX XXXX XXXX and they are demanding immediate payment.
Product: Credit card or prepaid card

I found out about this credit card bill that is in collections. I am a victim of identity theft and I never opened this card nor ever received a bill for this acocunt. Capital One has repeatedly denied my claim of fraud and I wish to state that the phone number and the address associated with the account are not mine. I had other fraudulent accounts opened over the last two years and they have all been deemed as fraudulent in my favor. I would like for Capital One to deem this account also as fraud as it was opened without my knowledge or consent.
Product: Mortgage

I purchased a XXXX home in XX/XX/2013. The original purchase price was {$170000.00} and I put 15 % down. I was at 85 % LTV with a loan amount of {$150000.00}. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in XX/XX/XXXX of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with XXXX guidelines for automatic PMI removal. They sent me back a letter saying that I needed to authorize and pay for an appraisal and then they would make a determination. They will not let me speak to anyone making a decision. They just keep telling me that I need an appraisal. No one rebuts what I am saying or shows me where I am wrong. I did confirm with the lender that my loan was scheduled to reach 78 % of the original balance in XX/XX/XXXX of this year. HELP!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to in adequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Student loan

I have reached out to Navient countless times to get the contact information for the company that owns my student loan ( XXXX XXXX XXXX ) but have countless times been told that they do not have the contact information to provide me. I have escalated my concern a number of times and spoken to various supervisors who have escalated my request for information. None are able to provide me with a phone number, email, or mailing address for XXXX XXXX, XXXX. The only information that they are able to provide me with is the contact information for Navient, the company that services the loan. I am the co-signer on the loan and have made over {$21000.00} in payments and the loan still have a balance of over {$47000.00}. 

I have also attempted to be released from the loan as I am the co-signer but that has also not been possible. I have not spoken to the loan holder in 15 years and have no way to contact them.
Product: Mortgage

It is widely known in XXXX, Virginia that a Loan Officer by the name of XXXX XXXX spends an inordinate amount of money on realtors and builders on sporting events, fishing charters, etc. There is an undue influence on those individuals to either refer business to him or it ( appears ) is a reward for business sent. This flies in the face of the very reason the CFPB was created. This has been going on for a few years. The community thought his days of this behavior would be curtailed with the CFPB 's visibility and reports of corruption being reduced with heavy fines, etc. However, we 're now under the impression that his " marketing '' is allowable because he continues to flaunt his kickbacks even more. I 'd like to know if what he is doing is permissible or illegal so that competition can be leveled. I happen to be of the opinion that it is not only illegal, but unethical and reprehensible. If, for some reason, his " marketing '' is permitted, we can all benefit from being able to practice the same way.
Product: Credit reporting or other personal consumer reports

And Experian continues to notify me that they have verified the account that I disputed as accurate. 
That account being XXXX XXXX XXXX Acc. # ending in XXXX. 
This account is in accurate and unverifiable, and I am once again requesting that Experian send me some type of documentation verifying this account or explaining the verification process, and how they actually verified the account.
Product: Debt collection

ETRADE Bank owns my second mortgage.This was discharged in Bankruptcy in XXXX and from XXXX to XXXX it was protected by the injunction in Bankruptcy.ETRADE has been illegally trying to collect the debt through its servicers of XXXX XXXX.Other illegal collection efforts had been orchestrated by XXXX and XXXX all trying to collect a debt owned by ETRADE and discharged in Bankruptcy. 
I complained to the current servicer XXXX XXXX XXXX ( XXXX  ) and they said its not their fault or responsibility.ETRADE sends it back to XXXX as the servicer so its a circle where the owner of the debt can have a servicer make illegal efforts to collect the debt and when caught, change servicers and say they are not responsible.ETRADE should be held accountable and according to the CFPB compliance bulletin on mortgage servicing transfers they are.I am including some of the illegal written efforts to collect debt discharged in bankruptcy along with evidence of ownership of the debt and letters from XXXX and to ETRADE Bank.ETRADE is trying to absolve itself of responsibility and should be held accountable, otherwise they will continue this practice of illegal debt collection while switching servicers.
Product: Credit card or prepaid card

PROBLEM WITH CHASE BANK, transaction with a 3rd party ( XXXX  = XXXX  ) I paid XXXX $ to XXXX  for a service. ( XXXX XXXX ). Then XXXX appeared to be an internet scam, disapearing, using multiple identities, names, false advertising, multiple names for the business. They advertised for a 100 % money back guaranty. Before sending a full manuscript ( i am a published writer ) i asked for a refund. they tried to intimidate me. As i had paid with a credit card, i appealed to CHASE who immediately refunded the {$1100.00}, without asking any questions. 
XXXX then contacted me, begging me to cancel the claim 'so that they would not have a red flag on their account. '' i called CHASE many times to ask for advice, received contradictory responses from the XXXX, XXXX and local branches ; low competence and knowledge. Yet, i was told that i could cancel and then re-file a claim if the issue was not solved. 
XXXX send me 2 emails saying that they would immediately refund, if i cancelled the claim with the credid card. 
Tried to be fair to both CHASE and XXXX. they NEVER REFUNDED, changed their website, etc. 
i immediately ( monday morning ) resent a claim in writings to CHASE. They have been since dragging me around. I called CHASE at least XXXX times. ( XXXX ). The last supervisor that i could finally speak ( XXXX ) with said that it was too late. i re-explained and she said that she would reconsider the case. In the Chase website, she put a note : " customer does not agree ''. This is absurd. i did not say that. I acted upon written promise of a REFUND to avoid dishonesty with my bank. 
how can i get my $ $ back?
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. I noticed several inquiries that I did not authorize or recognize. The unauthorized inquiries are as follows : XXXX XXXX XX/XX/XXXXXXXX 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 According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. According to XXXX XXXX Transunion XXXX, the credit bureau is supposed to ensure maximum possible accuracy, the account violates these laws Delete the follow inquiries 15 U.S code 1681i 15U.S code 1681s-2 15 U.S code 1681I ( 5 ) 15 U.S. Code 1681b 15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681n 15 U.S. Code 1681e
Product: Credit card or prepaid card

on XX/XX/2022 I accidently made a payment to Bank Of America to an account that I used to be a card holder on with my mother. The account had been closed because my mother passed away. I have opened an account under my name only and when I went to make a payment I sent it through a bill pay service to the wrong account. I spent hours on hold with BOA when I finally got through to them they told me what I would need to get it resolved. They told me I would need a death certificate a copy of my bill pay showing the payment and a letter explaining what happened. I provided them with all that information faxed it to them as well as emailed it. They acknowledge the payment of XXXX is in the closed account. I have asked they send me a check or transfer the money to my active account. I realize they legally have 30 days to respond but I have heard nothing. I send them the paperwork daily and ask for a phone call or some sort of response. it has been a month and a half and still have heard nothing. The next page is asking for the card number which I do not have because account is closed. I have the last 4 digits of the card number.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC Section 602 STATES I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score XXXX points because it states that I had a high balance, and missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : 1 )  I C SYSTEM ( XXXX XXXXXXXX XXXX XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX  XXXX  ) 4 )  XXXX  This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records  and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the  information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Mortgage

XX/XX/XXXX I applied for a Mortgage Modification Loan with Chase Bank to save my home from foreclosure. The week of XX/XX/XXXX I received documentation that my modification had been approved for a trial modification from XX/XX/XXXX-XX/XX/XXXX and then the final modification would be mailed to me before XX/XX/XXXX. On XX/XX/XXXX the Chase Representative called me and explained the terms of the modification. I signed the agreement and faxed, and mailed the originals back to Chase via XXXX. XX/XX/XXXX I received a call from XXXX. VP for Chase advising me that the agreement was void due to an error made by the underwriting department. I asked XXXX since I had signed the agreement and it was a legal binding agreement could this be done, she advised that it was an error to approve the modification because my mailing address is not the same as my physical address and it should not have been approved. I advised that i would get legal advise and she advised that was my choice but can be time consuming vs reapplying after changing my mailing address and mailing address on my tax returns. After obtaining legal advise It has been confirmed that this is illegal and considered " predatory lending ''.
Product: Credit reporting or other personal consumer reports

The following names and addresses are incorrect on my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account with 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 and crimes which antedates the report by 7 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 Consumer Notification of Adverse Actions ( 15 U.S.C. 1681m ) : - If a consumer is denied credit based on information in their credit report, they have the right to be informed of the adverse action taken and provided with the name of the CRA that supplied the report.

Limitations on Reporting Time ( 15 U.S.C. 1681c ) : - Certain negative information ( e.g., bankruptcies ) can only remain on a credit report for a specific period, limiting the length of time that adverse information can impact a consumer 's credit history.

Right to Recover Damages : - Consumers have the right to seek damages for violations of the FCRA, including actual damages, punitive damages and, attorneys fees if their rights under the Act have been violated.
Product: Checking or savings account

XXXX ) I deposited several XXXX XXXX money orders in ATM XXXX ) Three of the money orders were processed ok ; the fourth was returned as invalid. The amount of the deposit was taken from my account ( {$100.00} ). Along with the notice ( attached ) was a note saying, " This is a LEGAL COPY of your check. You can use it the same way you would use the original check. 
XXXX ) I went to the branch and tried to cash the " LEGAL COPY ''. They wouldn't cash it, but said it had to be deposited again. 
XXXX ) So I deposited it again into the same account and the receipt said there would be a " hold '' on the deposit. 
XXXX ) I then received by mail notification that the deposit was denied AGAIN, and that the " LEGAL COPY '' they had sent me was " altered fictitious. '' XXXX ) I returned to the bank, and the banker on duty said she couldn't figure out what was wrong and didn't know how to fix it. 
XXXX ) I requested that the original money be returned to me so that I could take up the problem with XXXX XXXX. 
XXXX ) She said, " We have to keep all that, so it can't be returned. '' Meanwhile, I am out {$100.00} with no way to retrieve it.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

Our previous mortgage loan was with Mr Cooper. We got a letter in XXXX stating they sold our loan to XXXX XXXX. We usually made payment to XXXX XXXX who would pay Mr. Cooper. Mr Cooper received that payment onXX/XX/XXXX and they claim it was Wire Transferred as a bulk payment to XXXX XXXX but do n't have any electronic record to show. XXXX XXXX continues to tell us they have n't received the payment. We have spend numerous hours trying to get this resolved but not able to get anywhere. A I can provide proof that money was transferred from our XXXX XXXX account XXXX XXXX and from XXXX XXXX to Mr. Cooper. 

Regards, XXXX XXXX
Product: Student loan

Every time I pay it seems like the total amount due goes way up. I have asked multiple times to lower the monthly payment. They tell me and then force me to do a forbearance and then when it 's over their like it will then be lowered. When it is time to pay and the forbearance is over, the monthly payment due is doubled. I have XXXX children and a XXXX that I take care of and it seems like I am struggling as it is let alone paying a ridiculously high payment that just keeps going up.
Product: Prepaid card

{$1.00} was charged fraudulently from a {$500.00} card. It was reported to XXXXncomm. They put a hold on card & said I can not use the remaining {$490.00} on card while the {$1.00} is disputed & that I would have to wait for 45-90 days for dispute to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX in XXXX, I discovered that TransUnion had published several unauthorized items on my consumer report without permissible purpose. I sent a dispute letter to TransUnion on XX/XX/XXXX via USPS Certified postage. On XX/XX/XXXX I received a written correspondence from TransUnion stating to me that their investigation of the dispute was now complete. 

They stated that they determined the data furnisher had previously verified the reported information. They also stated that if I wished to receive a description of the procedures TransUnion used to investigate the dispute, I should contact them. I did just that in a follow-up dispute letter to TransUnion on XX/XX/XXXX via USPS Certified postage. They NEVER responded to that 2nd dispute letter! 

These blatant actions that the Executive Officers of TransUnion clearly condoned have caused me loss of business relationships, marital instability, XXXX and XXXX XXXX  due to public embarrassment and shame by my family who mistakenly opened and read my mail, ( due to a similar name ) discovering these several unauthorized items on my consumer report published without permissible purpose.