23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  Account XXXX ACCOUNT NUMBER ENDING IN # XXXX and # XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions!
Product: Mortgage

Good Afternoon, My husband and I recently refinanced our mortgage that was being serviced by Dovenmuehle and were due an escrow refund of over {$800.00}. At the time we were refinancing, we received notification from Dovenmuehle that they were transferring our mortgage to a new servicer as of XX/XX/XXXX. The final payment to Dovenmuehle posted on XX/XX/XXXX and our account shows that it has been paid in full since that date. 

On XX/XX/XXXX, I called Dovenmuehle to confirm the payoff was received and to confirm when we would receive our escrow refund. They advised a check would be issued within 17 days of the mortgage payoff. On XX/XX/XXXX, I saw that the refund had not been issued and I sent a message through the secure message center in my account. After a few days, I had not received a reply. 

I called Dovenmuehle on XX/XX/XXXX and spoke with another representative who informed me they were not clear on where the money was or who would be refunding the escrow balance to us, Dovenmuehle or the company they transferred the mortgage to. The information on my mortgage account online showed the escrow funds were still with Dovenmuehle. They submitted a task to have my account reviewed and advised me to check back with them in a couple weeks. 

I attempted another email on XX/XX/XXXX which was also ignored so I called again on XX/XX/XXXX. I spoke with XXXX different associates because my initial call was disconnected. When I spoke with the second representative she assured me yet another task for my refund had been started by the first representative. I believe I was given another XXXX week time frame and I set a reminder to follow up again. 

As of XX/XX/XXXX, the escrow refund was still not generated and I called yet again and spoke with XXXX. This time I was on the phone for XXXX minutes and she let me know that per her supervisor, XXXX XXXX, the task that was submitted never actually requested a refund of the escrow account ( I'm unclear what the task could have possibly requested since that is the only thing left to close out my account with Dovenmuehle ) and after some back and forth she was able to give me the estimated refund date of XX/XX/XXXX. 

This account have been refunded and closed out in XX/XX/XXXX and instead I have been consistently given the run-around for months. An estimated date of XX/XX/XXXX is completely unacceptable per the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. )
Product: Credit card

I have been overcharged for a hotel stay and have two companies ( XXXX XXXX and XXXX XXXX ) pointing the finger as to who has overcharged me. As both merchants charged my Citi card, I have filed disputes with Citi. However, I only receive form letters back from Citi indicating they have found in the merchant 's favor because the amount billed appears to match the invoiced amount. This is a more complex and nuanced issue than a typical dispute and I can not get ahold of anyone at Citi that can sufficiently discuss the situation with me. Citi reps have instead told me to send in appeal letters to update the reason for appeal, etc. I initially sent dispute documentation on XX/XX/XXXXXXXX  and sent additional documentation on XXXX, XXXX, and XXXX. However, I keep getting the same type of form letters back from Citi with no indication that anyone has reviewed the nuance and details of this situation. The form letters indicate I'm only claiming there is a discrepancy in the amount charged versus the amount invoiced, which is not at all correct. 

In summary : I relied on misinformation from a merchant, XXXX XXXX, when booking a pre-paid hotel stay at the XXXX XXXX. With this misinformation, I canceled an XXXX {$2800.00} order and rebooked on XXXX in the amount of {$3200.00} for the same exact hotel room and dates of service after a rep confirmed the higher cost avoided being charged fees by the hotel directly. 

At check in, I provided my Citi card to the XXXX XXXX so a hold could be placed for any incidentals. There was no mention of any resort fees, tax charges, or anything other than a temporary hold. Upon check out, I received a bill for {$320.00} and my Citi card was charged on XX/XX/XXXX for a daily Service Fee, Service Fee Taxes, Service Fee City Tax. XXXX XXXX  own Terms of Sale state : With respect to hotel products, the rates offered on this Website are rates for pre-paid reservations. Your credit card will be charged the full amount immediately and the total price includes all tax charges and service fees. This amount was to be included in the payment to XXXX XXXX. 

I have tried disputing ( and appealing ) the XXXX XXXXXXXX XXXX charge as one XXXX  XXXX  rep indicated I should not have been charged the {$320.00} as it was paid to them. However, Citi found in the merchant 's favor. I have tried disputing ( and appealing ) a partial amount of the XXXX XXXX for the {$320.00} that their own terms state were to be handled by them. However, Citi found in their favor as well. 

If Citi is fully investigating, I fail to see how they could find in favor of both merchants. I have certainly been overcharged by at least one of them.
Product: Credit reporting or other personal consumer reports

My credit report is posting an inaccurate address on my file that has reports and inquiries that may be attached to my credit file, inquiries, reports and charges that are questionable. My credit report also states that my current address I live at is my former resident address and that my current address is a previous resident address. My credit report is showing an address that I haven't lived at in over 4 years that shows i lived there formerly in XX/XX/year> 2024
Product: Checking or savings account

A CD rolled over into a new a CD on XX/XX/XXXX, with a new opening balance of {$16000.00}. After renewing into another XXXX CD, my wife and I decided we wanted to have a shorter maturity of XXXX months instead. The interest accrued on the account since opening shows as {$50.00}. Ally wants to charge us {$110.00} to close the XXXX and open a XXXX CD instead. This is more than the interest earned on the account, and tantamount to theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XXXX XXXX  is reportingXX/XX/XXXXIt is a violation to re-age a collection account How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Payday loan, title loan, or personal loan

I received a loan from one main financial in the month XXXX. I have made every payment within 30 days. During this week week of XXXX. They have called me several times a day. I spoke with a representative via telephone call on XXXX and advised the rep I would be making the payment asap and within my allotted time grace period. On XXXX I received a call at XXXX XXXX leaving me a message to call them. They then called me again that same day at XXXX to ask me the same thing. I am receiving multiple calls a day and week for a payment that is 7 days late. I feel harassed and it is affecting my job as I have to be interrupted with calls as I am working from home. The are calling my cell phone and I live in New Hampshire where messages for debts is not allowed. I also believe this is a XXXX violation as well. 

XXXX XXXX XXXX
Product: Mortgage

I feel that I have been denied a loan modification because my husband, that has passed got behind. but for more than a year I have kept the mortgage up. They keep selling our loan. With this always a higher interest. I pay 8 to 10 thousand a year on interest alone. with only XXXX coming off each year. this will never get payed off. This is so unfair. I have tried to refi. but I have a chapter XXXX to pay up my bills from my husband. I just want a better rate to pay it up faster. the mortgage company says the don ' t do any in NY. but take my money. Help please.
Product: Checking or savings account

I opened a checking account with CashApp XX/XX/XXXX. I have never brought any issues to CashApp with my account as I was always in good standing. My account was closed XX/XX/XXXX, by deactivating my account. I had direct deposit with my employer to CashApp and this caused me to not be able to retrieve my funds and accumulate late fees with my bills as I had to change my banking information with my employer. The reason that I was given by CashApp was account history, transaction disputes, or other possible violations. Regarding this information, I have always brought in over {$5.00}, XXXX month from my employer, I have had three disputes in three years, which even with proof, Ive been denied, and I had no violations. I did not have overage on my account, my account was in good standing. I know this was retaliatory because I advised CashApp that I would be filing a complaint against them with the Consumer Finance Protection Bureau when they were messing up a lot of peoples accounts, including mine. Per the Federal Trade Commission I would like the reasoning behind closing my account before seeking legal consultation for defamation and the stress from having to change banking information accruing late fees.
Product: Credit reporting or other personal consumer reports

I am formally disputing the debt associated with the following account and requesting its immediate deletion from my credit report due to serious violations of Metro 2 compliance standards, the Fair Debt Collection Practices Act ( FDCPA ), and federal consumer privacy laws : Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Bank Balance : {$38000.00} Past Due : {$38000.00} Account Type : Debt Buyer Date Opened : XX/XX/year> Status Updated : XX/XX/year> I sent your company a debt validation letter 30 days ago. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of FDCP and it carries a fine of {$1000.00} per violation. Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring a suit for your violation.

Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit report.

( 2 ). You agree to delete the account within five days.

( 3 ). You also agree not to sell or try to collect this debt in the future.

( 4 ) .You also agree not to report any portion of this debt to the credit bureaus.

( 5 ) .You agree to pay me {$500.00} for violating the FDCPA.

in your last letter to me you stated that the item had already been verified as accurate. Well, which part of the listing is accurate? You never told me that. I did some case law research and found two cases that stated that credit reporting agencies can not merely parrot information from creditors and collectors, but they have to conduct an independent investigation to ensure the validity of the debt. Im providing your company new and relevant information. Please act according to the law and investigate this matter.

If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX bank Account # XXXX XXXX XXXX Account # XXXX Transunion XXXX Card Account # XXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above.

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 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 and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.
Product: Student loan

XXXX XXXX has taken over 4 of my loans and I have been making monthly payments since XX/XX/XXXX. My payments started out at {$220.00} and now they have doubled and just increased again. This is outrageous as a single mother living/working in one of the most expensive areas in the United States. I am suppose to be on the 120 payment plan meaning that I have 87 more payments to make and my loans should be paid off, but 3 of my loans are showing that I still have 97 more payments. So the XXXX XXXX is taking 10 extra payments from me with no prior acknowledgment? This is outrageous especially for a person who has consistently paid them each and every month since XX/XX/XXXX even at their outrageous repayment options that make it difficult to afford day to day expenses. My 4th loan they have is also my largest loan amount with the highest interest rate. This loan started at {$20000.00} and is now at {$21000.00}. I feel like they have purposely taken my payments and applied them to the loans with the lesser interest, thereby causing my 4th loan to increase and forcing me to owe more money.

The XXXX  was contacted on XX/XX/XXXX and they corresponded with XXXX XXXX on my behalf. XXXX XXXX only responded that a formal response will be sent because a Consumer Relationship Analyst Team is diligently researching this issue and the XXXX complaint was marked unresolved. I still have not received anything in the mail from them. I think this is funny because it only took XXXX XXXX  one week to recalculate my new increased payment amount but they still haven't contacted me regarding my complaint.
Product: Debt collection

On XX/XX/2021 the Company had predatoary charges on cleaning and unknown and unstated and unfair amounts. 
The quality of these items are not ment to withstand a 12 month lease. The initial amount {$480.00} - {$110.00} for an additional day of moving out. Therefore leaving a disputed frivolous amount of {$360.00}. The apartment management refused to recognize the additional frivolous charges with a detailed answer on the charges and instead sent a final request for {$280.00} due within so many days before it was sent to collections. Without any additional documation on what frivolous charges had been removed from the original amount of {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute for three unauthorized inquiries with Equifax via myEquifax.com. Was informed on XX/XX/2020, only 2 days later that my dispute was ready. To my disbelief my dispute was denied. I have been dealing with identity theft problems for the past 3 years and Equifax is well aware of this. As a result of Equifax denying my dispute and only taking two days to investigate I have filed an Identity Theft Report. Included in this complaint are : Identity Theft Report, Letter to Equifax, FCRA 605b,  Credit Report, Drivers License, and Social Security Card
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with the three major credit bureaus Experian, XXXX  and XXXX  about the unverified account XXXX XXXX acct # XXXX, XXXX credit account # XXXX and XXXX XXXX acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today and according to the FCRA these non responded accounts should be removed from my credit files. Thank you in your help in resolving this matter.
Product: Checking or savings account

I recently have used an online platform for peer to peer lending titled XXXX and a consumer completed a transaction with me and paid via XXXX using Chase Pay and subsequently reported it as fraud to their bank. Chase immediately froze my account over the {$41.00} transaction labeled fraudulent per consumer which has assets reaching to ~ {$2500.00} and though I have provided evidence of communication, completion of sale, and visited the branch and spoken with the bank nearly daily since the freeze, they continually say its an ongoing investigation that may take until XX/XX/XXXX. I was never informed of the freeze, which legally I am supposed, and was even permitted to deposit a check with a teller who did not inform me of the frozen account. I am a medical student whose entire disbursement is in my Chase account. Since the freeze on XX/XX/2020 I have not been able to eat, pay my rent, or pay my credit card bills all because of a {$41.00} dispute. Per Massachusetts Law Part I, Title XXII, Chapter 167B - Electronic Branches and Electronic Fund Transfers, I have complied to all of the banks requests to provide evidence that I not only completed a transaction with the person disputing it, but also that I am willing to refund their money if it comes to that because at this point its not worth {$41.00}. Mind you, I spoke with XXXX  XXXX, my former bank that I just transferred all of my money from to Chase and they also thought that what Chase was doing was not only unethical but possibly illegal because I am the victim of fraud. The person who committed the dispute is XXXX XXXX. I have attached the document I faxed to Chase Bank on XX/XX/2020 which includes confirmation of the sale and reiterates the Massachusetts law governing my rights to my account.
Product: Credit reporting or other personal consumer reports

I have ask this company to remove unauthorized inquires that are on my credit file but they tell my that they can remove anythings. 
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: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ACCOUNT RESOLUTION CORPORATION for committing identity theft. I have never given ACCOUNT RESOLUTION CORPORATION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from ACCOUNT RESOLUTION CORPORATION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ACCOUNT RESOLUTION CORPORATION can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Debt Collector ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Debt Collector ) continues its collection efforts, I will file for litigation for actual damages caused and ( Debt Collector ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''