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

I XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Washington, DC XXXX, am writing this affidavit to bring to your attention the inaccurate and misleading information reported by Exeter XXXX, pertaining to my credit file, specifically related to account number XXXX I urge your prompt attention to rectify this situation and take appropriate actions against Exeter XXXX for their violations and deceptive practices. 

XXXX. Inaccurate Reporting of Repossession : XXXX XXXX inaccurately labeled my credit file as a repossession when the vehicle was voluntarily surrendered in XX/XX/2017. The repossession status is misleading and damaging to my creditworthiness as the vehicle was willingly returned, not repossessed. 
XXXX. Violation of Right of Rescission : XXXX XXXX failed to provide me with the right of rescission concerning certain transactions related to the purchase of the vehicle. This violation further emphasizes their lack of adherence to consumer protection laws. 
XXXX. Deceptive Advertising and Violation of 15 U.S. Code 1605 : XXXX XXXX engaged in deceptive advertising practices by misleadingly representing down payments and installments, violating the provisions outlined in 15 U.S. Code 1605. Such deceptive practices are detrimental to consumers and require immediate investigation and remediation. 
XXXX. Misrepresentation of Loan Transfer : Finance reported the account as a charge off and sold it to XXXX XXXX XXXX XXXX XXXX. However, I have not received any information regarding the transfer of the loan, and XXXX XXXX continues to report to credit agencies as the lender. This contradictory reporting has created confusion and uncertainty regarding the status of my loan. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate actions against XXXX XXXX for their violations of consumer rights and deceptive practices. I also request that XXXX XXXX be held accountable for the inaccuracies in reporting and the resulting damage to my creditworthiness. 

I have attached relevant documents supporting my claims, including copies of credit reports, correspondence with XXXX XXXX, and any other pertinent records. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to rectify these issues and ensure that consumers are protected from such unfair practices.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Mortgage

We asked for a forbearance because we were flooded. They extended us the forbearance until XXXX. When we called back at that time they said we would have to complete an application whether we resumed payment or got an extend. They sent an application in XXXX. The information was wrong on the application so we asked them to correct it so we would not look like we were falsifying the document. We never heard anything back concerning the application. When we did hear from them it was to say we didn't pay in XXXX and now everything from the beginning of the forbearance in XX/XX/year> was bow due. We let them know we were still put of the home and they asked us to send documentation. We were waiting on the company that was doing reconstruction on the home to send the break down of what we paid. Next thing we get letter telling us they denied it. When we called they said we could still communicate and it wasn't closed they just had to put something down because the inquiry couldn't stay open. We then asked someone at the company should we make payment in good faith. They said no wait until everything is over. We called again and found out we were in foreclosure and couldn't work anything out. When we spoke to someone else at the company would was in another department they told us they never extend for the current situation it would have to be something else. We just feel like if it would have been made clear from the beginning that nothing was going to change and just to make the payment we would have done that but nobody did. It appears that our home is an opportunity for the bank to take our home, sell it for more because it's newly renovated. It just is unethical and deceptive the way this whole situation handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting unauthorized inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP
Product: Debt collection

I RECEIVED TWO VM MESSAGES AT MY PLACE OF EMPLOYMENT FROM XXXX REQUESTING THE NAME OF MY EMPLOYER AND A CURRENT ADDRESS TO SERVE ME PAPERS ... 2ND VM STATED IT WAS IN MY BEST INTEREST TO SPEAK TO SOMEONE FROM GLOBAL RECOVERY GROUP TO RESOLVE THIS ISSUE
Product: Debt collection

XX/XX/2023 I received a letter via email from Hunter Warfield trying to collect on an alleged debt from The XXXX at XXXX. On XX/XX/2023 I sent a letter via certified mail asking for verification of the debt and giving notice that I would be disputing the debt. I have not received a response to the letter but I have received XXXX letters via email on XX/XX/XXXX and XX/XX/XXXX trying to collect on the debt. I have also received several calls, the most recent XX/XX/XXXX. 

*Note there are XXXX certified mail receipts pictured. XXXX was for mine and XXXX was for XXXX XXXX who is also responsible for the debt and sent a verification request letter. I am not sure which was for which letter. Also the copy of the letter attached was the letter before being printed and signed.
Product: Mortgage

My residential loan was recently sold to Nationstar Mortgage. ( It has been sold many times before and I have never been asked for any additional information. ) I have been receiving letters for the last two months from them requiring me to provide certification from the Social Security Office verifying my TIN. They have confirmed that they have my social security number and WILL NOT provide me with a XXXX unless I give them this documentation. Their letter specifically states my TIN must be verified by the Social Security Office. I went to the Social Security Office today and the woman I who helped me stated she CAN NOT verify a Tax Identification Number, only a SS #. She said that the IRS has to do this ; again, I do n't have a specific TIN. I have told them repeatedly that I do n't have a TIN. I spoke with XXXX, one of their managers today and told him I wanted to make sure I did not misquote him. I asked him if he was telling me they will not be providing me with my XXXX as required by the IRS even though they have my social security number on file and he said that was absolutely correct. I am concerned that this is a scam and I do not understand this requirement, especially since I do n't have a TIN. My loan has been sold many times and I have never experienced anything like this. I have spoken with several experienced mortgage brokers who have referred me to your organization.
Product: Debt collection

Medical Company - XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA turned over a debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

1. First there are two charges on the bill that I do not recognize and the medical company is illegally billing me services not rendered or administrative fees that I am not responsible for. 

2. The company issued this to a collection agency on the same day as the alleged charges were billed. I never received any form of communication from the Doctors office or any form of bill before they unleashed this debt collector on me. 

3. During the first call from the debt collector I was threatened with my credit being damaged.

4. On the second call I informed the individual that I was requesting proof of the debt and that they needed to cease and desist. 

5. On XX/XX/XXXX I was again called by this company in an effort to settle this debt. They asked for a much lower amount. I again stated that I had requested proof of debt and I was not going to pay anything. I again told the representative that I requested them to cease and desist.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2021 my car was broken into and a work phone was taken later that evening I got a notification of XXXX $ being removed from my cash app and sent to an unauthorized and unknown person.This person then tried to drain my bank account with XXXX  XXXX XXXX XXXX. I filed a police report expecting them to find the person who was responsible however they never did. I messaged the person thinking it was a neighbor who may have stolen it, and at the time I was in a very unsafe neighborhood and was surrounded by drug dealers, so on a memo that I sent to the person who took my money I put that they were selling XXXX and I would report them as a way to maybe scare them into sending it back this then became an issue because law enforcement thought this was a XXXX  related crime but it wasnt I was a student who was barely making it taking care of my XXXX grandmother this money was a combination of my student refund and my stimulus check that had been deposited so far 3 years later no one will help from cash app and no one will help in general I lost my apartment because of this and I have been through so many horrible traumatic things over this money disappearing I wish they would help me by giving my money back because this was truly an unauthorized transaction that was the result of a crime and fraudulent payment. The company then cancelled my cash app card because I tried to redispute the charge after talking back and forth for months about this charge they refuse help and cancelled me I dont understand because I always used the service and legitimately did not authorize nor no the person involved..
Product: Credit reporting

On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX Case # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by the XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
Product: Money transfers

I 'm currently serving overseas and I have used Western Union since 2007. I 'm now being subjected to constant stoppage of my transfers by western union and told it 's because I 'm a long time customer. I 'm made to wait on the phone for up to thirty minutes or I 'm disconnected and have to go through the same frustrating procedures over and over again. Why does WU treat their loyal customers that way? especially it 's military customers who are overseas and have to rely on WU to get money promptly to their families? It is very frustrating to have this stoppage every time I try to send money to my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my five loans under sequence numbers XXXX as being closed with XXXX, XXXX, and Transunion when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, XXXX, and Transunion. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Product: Bank account or service

Tuesday is the day I get paid early. But Thursday is my original pay date. It 's now Saturday XXXX XXXX 2015 and my account balance is still XXXX. I have no money to feed my family no gas to get to work nothing. This has become a problem and now my bills are due and I have no resources to turn to. I have the only income in my household and my family relays on my money. Rush card has made this time very hard and I need help.
Product: Credit card or prepaid card

I have a credit limit of XXXX and XXXX balance right now. On XX/XX/2023 I decided to upgrade my XXXX laptop and I made a purchase through apple.com financing monthly payment option. Everything went through. I decided I wanted to upgrade the specs even more, so I cancelled that order, and tried to place another one. 

My cancellation went through, but the payment for placing a new order got denied. I kept getting this error. 

" Thank you for your interest in Apple Card Monthly Installments. 

Unfortunately, your payment was not approved at this time. 

Please go to the XXXX app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I didn't get a fraudulent prompt or call like I normally would. So I called Goldman Sachs support and used their text services. They said it got flagged for fraud, so they verified my identity, released it and said I can make the purchase. So I try to make the purchase again. 

Same cycle, this time I had to verify with my driver license and change my XXXX XXXX XXXX. Then same cycle again. I then call support and she says my account is completely clear, review is over. I make the purchase with her on the phone. She says it flagged it again, and now my account is under review again. It's become a vicious cycle. Even the support rep was confused and apologetic that she didn't know what was going on. I was just in a cycle of, make purchase, get denied, account under review. 

Then when an account is under review, a support agent can't tell you anything or or do anything else. Instead they just say you'll have to wait the 5-7 days for someone to call. No one ever calls. Even then, the same issue keeps happening. I can not use my card. 

At this time my account is restricted and frozen again.
Product: Debt collection

Dear CFPB, I am filing this complaint regarding an alleged debt being reported and collected by [ Debt Buyer/Collection Agency Name ]. I believe the actions of the third-party debt collector and/or original creditor violate federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Lack of Valid Contractual Agreement Under 15 U.S.C. 1692g ( b ), I requested validation of the debt from the collector. To date, they have failed to provide adequate documentation proving their legal authority to collect this debt, such as a valid assignment agreement or a signed contract showing my obligation to the original creditor.

Unlawful Reporting of Inaccurate Information According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, information furnished to credit reporting agencies must be accurate and verifiable. The debt collector has not substantiated the accuracy of this account or provided proof of my responsibility for the alleged debt. I request its immediate removal from my credit report if they can not validate it.

Unauthorized Sale or Transfer of Debt Per 15 U.S.C. 1666h, I have not been provided with evidence that I consented to the sale or transfer of this debt to a third party. This raises concerns about the legality of their collection efforts.

Violation of State Laws and Time-Barred Debt Additionally, this debt may violate [ insert state law, e.g., statute of limitations ], as it appears to be time-barred or outside the legal period for collection.

Resolution Requested : I respectfully request the CFPB to : Investigate this matter and require the debt collector to validate the debt with proper documentation ( e.g., original signed contract, complete payment history, proof of legal assignment ) .Ensure the removal of this debt from my credit reports if they can not provide sufficient validation.Cease all collection activities immediately if the debt can not be proven valid.

Provide written confirmation from both the debt collector and the original creditor regarding the resolution of this matter
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Trans Union, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, Trans Union, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Trans Union, XXXX, and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 XXXX years. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, Trans Union, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services. 

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Credit card or prepaid card

The company ( Chase ) sent me a letter stating that they will close my account, and didn't provide a reason. The letter looked unusual and suspicious, and listed a phone number to call for more information, that I did not recognize. Due to the suspicious nature of the letter, I called the number on the back of my card to verify, and the Chase representative assured me that my account will not be closed ( XX/XX/XXXX ) and that the letter must have been either a scam or was sent by mistake. Today ( XX/XX/XXXX ), I have learned that the account has been closed, and the Chase representative can not tell me why.
Product: Checking or savings account

I am writing to formally file a complaint regarding a deposit made at TD Bank on XX/XX/year>. My son and I opened a checking account at TD Bank XXXX XXXX branch with an initial deposit of {$73000.00}. Our intention was to open a savings account with a competitive interest rate above XXXX XXXX  shortly thereafter. 

Approximately a week after the deposit, we contacted TD Bank and were informed that our account had been closed. We were not provided with a clear explanation for this action, and we were told that the check had been deemed non-genuine by TD Bank. Following this, we reached out to the United States Treasury Department, which has since confirmed that the check was authentic and had been cashed by TD Bank on XX/XX/year>. 

Despite the XXXX confirmation, TD Bank has not clarified the location or status of these funds. Additionally, the XXXX XXXX XXXX, who oversee fund transfers, have also verified that the funds were not returned to them. 

To assist in resolving this issue, I can provide the following supporting documents : A copy of the check A copy of the deposit slip A copy of the bank statement For further verification, I can provide the contact information of my sons attorney, who can address any questions about the authenticity of the check. 

Thank you for your attention to this matter. We look forward to a prompt and satisfactory resolution. 

Kind regards,