23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NO CREDIT LOAN COMPANY HAS THE RIGHT TO SHOW UP AT MY HOME AT XXXX XXXX FOR ANY MONEY. I'M NOT OUT OF BED AT THAT TIME AND I SURELY DIDNT GIVE THEM PERMISSION TO SEND ANYONE TO MY HOME AS [ CREDIT CENTRAL ] A LOAN COMPANY HERE IN XXXX GA. DID THIS MORNING XX/XX/23. I WANT TO FILE SUIT FOR THEIR HARRASSMENT. THE LADY NAME IS XXXX THAT SHOWED UP AND THREATENED TO TAKE LEGAL ACTION. SAID SHE WAS OPENING UP AT XXXX AND I BETTER COME IN WITH PAYMENT. SHE TALKED TO MY WIFE AFTER KNOCKING ON DOOR THAT EARLY AND MY WIFE TOLD HER SHE HAD NO BUSINESS AT OUR HOME THAT TIME OF MORNING. SEE ATTACHED PIC OF HER CAR AT MY HOUSE AND THE TIME PIC WAS TAKEN. SHE HAD BEEN IN YARD ATLEAST XXXX MINUTES BEFORE I TOOK PIC OF HER CAR AND ANOTHER XXXX MINUTES AFTER
Product: Mortgage

i started a refi with loan depot back in XX/XX/2019 and i spoke with XXXX XXXX the loan officer and he took my info over the phone and shortly after had pre approved me for a refi loan on my primary home. I went through the entire process, sent in my {$490.00} for the appraisal fee and gave them everything they asked for By the way I work in the auto business and get paid {$1000.00} salary, {$1000.00} draw and {$110.00} car demo allowance plus bonus. 

After XXXX XXXX and his team finished with my verification of employment for all my previous jobs, he calls me says that the ratios are too tight and that they couldn't use the demo allowance of {$110.00} per week and that if i could pay off a credit card bill of {$9600.00} to help out the ratios. They had declined the loan at this time and I worked over the next 2 weeks to have my wife transfer the credit card debt to another credit card in her name as it was a joint account. Once the debt was off my name, I called loan depot back and spoke with a new LO XXXX XXXX. He said he could get the old loan and would have to open a new one and start where the old one left off. I gave him everything all over again and he was saying that everything looked good and clean and should be great. Well, after it went to final review in underwriting they said that they couldn't use the draw as i didn't have 2 years history of that. Even after my boss wrote a letter of explanation to them that states that my draw would never go below the bonus i receive, that wasn't good enough and i was declined again. I wasted 5 months of my time for this and feel that they should have known about my draw and asked questions as professionals. It says it right on my paystubs i gave them that I get XXXX salary and XXXX draw. I've spoken to other mortgage professionals since and they said that it should have never been pre approved in the first place. Which means I should have never paid for the appraisal in the first place wasted 5 months of my time. 

i asked for my appraisal refunded and they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : US XXXX XXXX ),
Product: Debt collection

I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Experian Reporting an inaccurate repossession. 

I am writing to formally file a complaint regarding Experians reporting of a repossession on my credit report. I believe this reporting violates my rights under the Truth in Lending Act ( TILA ), codified as 15 U.S. Code 1601 et seq. 

The Truth in Lending Act was established to promote informed consumer credit use and ensure fair treatment of consumers in credit transactions. As part of its provisions, creditors are required to provide accurate and transparent information about the terms of credit agreements. Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must ensure the information reported is accurate and verifiable. 

The repossession being reported by Experian is not only inaccurate but also unsubstantiated, as I have not been provided with sufficient documentation verifying its legitimacy. This incorrect reporting has significantly impacted my creditworthiness and caused undue hardship. 

Under TILA and FCRA, I request the following actions be taken : 1. A thorough investigation into the repossession claim reported by Experian.

2. Verification of the alleged debt and the repossession in compliance with my rights to receive detailed, accurate information.

3. Immediate removal of the repossession entry from my credit report if it can not be verified with sufficient documentation. 

I have contacted Experian to dispute this information, they listed by XXXX XXXX this account says it was opened on XX/XX/year> states the account was also charged off with a balance of XXXX and written off amount of XXXX but I have not received a satisfactory resolution. They havent provided a signed original contract between myself and XXXX. Therefore, I am seeking your assistance to ensure that Experian complies with federal law and my rights as a consumer are upheld. 


Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of correspondence with Experian Supporting documentation regarding the dispute
Product: Credit card

My wife is the primary account owner of a Citi credit card. My wife added me as an authorized user with my own card. I tried to add my card to my mobile wallet. Because I am not the primary account owner, Citi needed me to dial in for verification. When I called in, Citi did not ask for my information. Instead, they asked for my wife 's information. Specifically, they asked for her security password, they also asked for some of my wife 's account information related to another financial institution. 

I understand that Citi would need to verify the information of the primary account owner. I do not understand why they would prompt an authorized user to call in and supply information that is not theirs. Where Citi is aware that they are speaking with someone other than their customer, and that person is providing them with a security password that Citi knows belongs to someone else, this should immediately cause concern to Citi. Citi should not be encouraging their customers to share their passwords and other non public personal information with other people. Citi should not build verification systems around this practice. This creates a high risk of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX all have me reporting late for 12 months total between XXXX and XXXX for Fedloan servicing. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I disputed a transaction through my Netspend account on XXXX for {$430.00}. The transaction was a XXXX XXXX payment sent to ( XXXX XXXXXXXX ) which was for goods I paid for but had issues with. I was able to resolve this with the receiver of the funds while the Netspend initiated the investigation on XXXX however Netspend nor XXXX XXXX never informed me that they would be taking the {$430.00} out of the receivers account on XXXX. 

I understood that I wouldnt be able to receive a provisional credit however if that was the case I didnt understand why they took {$430.00} out of the receivers personal bank account with XXXX XXXX XXXX 

I have reached out to XXXX XXXX and Netspend on numerous occasions since XXXX when the receiver notified me that they took {$430.00} out of his account and no one could explain to me where the funds went since I never received them. 

The payment it self has been showing as refunding since XXXX in my XXXX XXXX however its XX/XX/XXXX and I still have yet to receive anything. XXXX XXXX keeps telling me to reach out to my bank, Netspend and Netspend keeps saying I can not receive a provisional credit due to the type of dispute since its with XXXX XXXX. I told them I understand this however they can not answer me when I ask where the funds are since they were taken out of the receivers personal bank account and never posted to my XXXX XXXX  or Netspend account. 

This has been very frustrating due to the money being taken and no one being able to provide an explanation as to where it is since it just keeps saying refunding in my cash app account. 

I received an email from a XXXX XXXX representative on XX/XX/XXXX who stated that the funds were refunded as of XXXX however Netspend never put anything back into my account nor XXXX XXXX. I would really like some assistance with this because thats {$430.00} that it seems like no one can account for which has been very frustrating.
Product: Credit card or prepaid card

I received this gift card as a  XXXX  gift in  XX/XX/XXXX . I opened the card that day, never used. I did not try to use the card for close to a month? When I did finally try to use it, I kept getting an error with the card telling me I was not able to use it or it was denied. I tried the card i n  XXXX  sep arate stores total thinking it was the store.   I finally called the number on the back. The company told me the card had a   XXXX    balance and when I spoke to the customer service agent, they looked up that the card was used on I think either   XX/XX/XXXX   XX/XX/XXXX   or  XX/XX/XXXX , in California. Not only did I not have the card in the mail as of yet, but I live in Oregon.     I filed a complaint, the  US Bank/ Visa company said they would have me fill out the paperwork. I filled out the paperwork. We are now at  XX/XX/XXXX  and I still have not received my replacement card.   I have called and  US Bank/ Visa said they are still researching the card. I have already been told over the phone they saw charges of the card used in a state I do n't live in. I do n't understand why this has been impossible to get my replacement card.   i feel like  US Bank/ Visa is acting fraudulently by keeping the money from the card and refusing to send a replacement.     This is a  Vis  a Debit Gift Card    XXXX    XXXX  issued by  US B ank
Product: Credit reporting or other personal consumer reports

After several attempts to delete this in accurate information, this consumer reporting agency has told me that this account has been verified. I have never acknowledged, or accepted this account as my own, because it is not mine. I have never done business with this collection company and their misrepresentation and furnishing of misinformation has caused me, the loss of jobs/job opportunities, public embarrassment, and overall displeasure in my life The account information is as follows. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$430.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$430.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of This collection account by XXXX XXXX XXXX represents an alleged debt of {$430.00}. This alleged debt has never been proven to be mine. I have certified mailed this debt collecting company several times, requesting an original contract, proof of business debt validation, and I have requested to see The purchasing agreement that will give this company authorization to attempt to collect on this alleged debt I have never received this. 


My complaint is that this consumer reporting agency ( XXXX Equifax, XXXX XXXX, ) that continuously tells me that this account is verified, has never provided me with proof of verification, which is my right under title 15 U.S. Code 1692g - Validation of debts.

This reporting agency has told me that they have verified this debt. I am requesting that they show me proof of how they verify this debt. What steps were taken? what documents were reviewed? what information was presented to this consumer reporting agency for them? Legally it is my right to know the process in which these accounts that reflect my consumer reports are validated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 erroneous accounts that appears on my Experian Credit report with Account number of XXXX. They have respective balances of {$33000.00}, {$53000.00}, {$26000.00}, {$8500.00}. These accounts are in current status and are duplicates of same accounts which already appear on my credit report as current accounts.
Product: Mortgage

We believe Fay Servicing & the investor behind our loan been purposely delaying the short sale process, ignored the short sale request and valuation disputes, did not cooperate with seller or buyer or their respective agents even though there is every evidence that the short sale valuation was most legit and up to par value of not only their own BPO ( Broker price opinion ) but our buyer 's offer, and additional appraisals & reports done by licensee 's. They have refused to send additional inspector even though they promised in writing and agreed to consider their original request was outrages. Their staff dragged the time purposely, knowing the market is changing and forcing homeowner to do deed in lieu by threatening for foreclosure and not responding to the short sale request. The detail of the complained will not feet in this section, so there is an additional letter in a separate attachment including most evidence.
Product: Checking or savings account

To whom it may concern, On the date of XX/XX/2021 I XXXX XXXX XXXX am submitting this complaint because commerce bank has taken my stimulus money. The amount of XXXX was taken from me to balance the overdraft fees of XXXX leaving XXXX cent in my account during this time I had submitted a complaint in reference to overdraft fees this is a new and completely separate complaint and it's illegal for commerce bank to take my stimulus money in this situation they should have rejected the payment and the government would have sent me a official check. Now I will get legal services involved free of charge though the CFPB information hotline, veteran affairs, or other means to obtain this money if commerce bank refuses to comply with the complaint resolution I will state in the complaint process. 

Very respectfully XXXX XXXX
Product: Credit card

On XX/XX/ my XXXX XXXX ending in... XXXX is charged with sending my payment of {$340.00} to CarMax Auto finance. Carmax did not post the XX/XX/XXXX payment and charged me a penalty for a late payment. They maintain they did not receive the payment I had to make the payment again. 
XXXX insist that they transmitted the monies to the bank for CarMaxAutoFinance and they provided a banking transmission number. ( See attachments ). CarMax will not acknowledge what happened to that banking transfer. I want CarMax to refund the monies or provide information to XXXX XXXX that they never received these moneys. Then XXXX XXXX can refund my money. Where is my {$340.00}? Who has my {$340.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, XXXX, XXXX   and LexisNexis about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, XXXX, XXXX and LexisNexis each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Product: Checking or savings account

Made a dispute when my card was stolen I was arrested, chase claimed I ran out of time to reply to the dispute so it closed not in my favor. Told them this was fraud the still wouldnt help me
Product: Credit reporting or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available 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.

The law is very 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 have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 


4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information.

Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o .

Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX