23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Purchased a manufactured mobile home in XX/XX/XXXX with XXXX XXXX XXXX, which went through extensive HUD inspections and the XXXX XXXX XXXX XXXXXX/XX/XXXX due to lack of proper inspection. Currently, Loancare LLC is attempting to foreclose the property without proper due course as the note holder Loancare LLC serves as the servicer, only. The home was not inspected for safety of the borrower nor considered the note holders interest in an unsafe home, which was passed through numerous HUD inspections for the approval of lender receiving funds for the purchase. Original promissary note has been altered from the original state since closing on XX/XX/XXXX. Under UCC 3-204 TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

Loancare LLC has repeatedly contacted me via phone ( XX/XX/XXXX at XXXX XXXX  ), after being notified of legal representation. Loancare LLC did not communicate with my legal representation. 
15 USC 1692c 805 ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report: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  , U S DEPT OF ED/XXXX , XXXX XXXX  , XXXX XXXX XXXX Inquiries : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Two issues. I deposited a {$620.00} check on XX/XX/XXXX and rather than return the check to me so I could have the payer reissue it properly addressed.Truist Bank launched an investigation and determined my {$620.00} deposit would be possibly available to me as early as XXXX. In the meanwhile there was an unendorsed fraudulent check for {$4900.00} deposited in my account. The Bank caught this and blocked my account. This is the ONLY reason I went thru several weeks of them sending the {$620.00} back to the maker to reissue and close my account. However, the bank refused to give me the remaining balance; charged me {$12.00} for processing the {$4900.00} fake check and to date has launched another investigation than could take up to 6 weeks to determine if I should have my account balance of {$26.00} less the {$12.00} fee for processing a check I had nothing to do with. This after Truist had me sign a ( notary public ) affidavit concerning this fraudulent check. As of today it was unclear if and when my small amount would be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted Experian, XXXX, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX  Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX for failing to provide me with a XXXX form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of XXXX regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.
Product: Debt collection

I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.
Product: Vehicle loan or lease

We have been going through homelessness from XX/XX/2023 until now. Talking to a company representative was rude on the phone when explaining my situation. Was told I needed to figure out a solution, and I proceeded to hang up because was very rude on the phone.
Product: Credit card or prepaid card

I had to do a debt relief package and Commenity Bank XXXX XXXX Credit Card has refused to work with the agency. I can not obviously pay, otherwise, I would have by now. 
They are calling me and texting relentlessly. They have now taken to calling my ex-husband who does not even live in the same state and we have not been married since 2012.
Product: Payday loan, title loan, or personal loan

In XXXX I lost my Job. I was unable to make payments towards my Bank of America FIA card service line of credit. The accound was charge off in XXXX of XXXX and sold in XXXX of XXXX. A couple months later I was contacted by XXXX and XXXX. I was offered a settlement but I was unable to accept the offer due to the fact I was still unemployed. They suied me and got a judgement against me. 
I tried contacted FIA Card Service to try and settle the account. I was not able to contact them so I contacted the law office of XXXX and XXXX. I spoke to a XXXX XXXX he was not willing to assist with me since a garnishment was against me they wanted a one time payment.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I ha ve the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, al  l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX, XXXX, A Incorrect Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was targeted by XXXX XXXX  XXXX also known as XXXX XXXX XXXX XXXX while walking in the XXXX XXXX XXXX into purchasing products that I did not want. I used my credit card. I disputed and protested the charges with the credit card company. The charges were for {$3600.00} and {$180.00}. I origionally disputed these chares in XX/XX/XXXX. 
Since then we have been going back and forth. In XXXX, XX/XX/XXXX Chase informed me that they considered the disputed charges valid. In their letter they stated that they contacted the merchant and that the merchant provided the cancellation policy. This statement is a lie. The merchant never discussed the return policy ; furthermore the Department of State division of consumer protection states that a store, merchant, is legally required to post their refund policy. The refund policy was never posted nor was it told to me. 
In dealing with Chase on this matter ; they seem to be taking the merchants word ; not fully investigating my charges and seems to side with the merchant instead of protecting me their card holder.
Product: Debt collection

XX/XX/XXXX XXXX hospitalized after cardiac arrest. XXXX XXXX  operating at the time was called XXXX XXXX, under XXXX XXXX XXXX XXXX. In XXXX of XXXX, the company ( GS ) was dissolved and we enrolled in a new XXXX called Alignment also under XXXX. We began getting billing for unpaid physician services at the hospital, {$1000.00}. We called multiple times and were assured that the entire bill for all services was paid, both by XXXX and XXXX. 

In XXXX of XXXX, XXXX XXXX XXXX consulting Services claimed we owed this bill and had failed to collect from XXXX XXXX as we are not insured by them in XX/XX/XXXX. We wrote several letter saying the bill was paid in full. They then turned it over to a collection agency, CMRE Financial Services in Texas. We wrote to them explaining there was no debt but still got another letter XX/XX/XXXX demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

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

My personal information is on the dark web according to my credit monitoring agencies. I spoke with a representative about some enquiries that did not originate from me or with my consent. I will want these enquiries removed from my profile. Below are the enquiries 1. Factual XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( No address or phone ) XXXX. XXXX XX/XX/XXXX XXXX XXXX credit XX/XX/XXXX XXXX XXXX XXXX XXXX  These XXXX enquiries are not recognized and unauthorized
Product: Credit reporting or other personal consumer reports

I have 2 fraudulent/unauthorized inquiries on XXXX I checked the XXXX and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX On my XXXX report I noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX On my experian credit report I noticed XXXX fraudulent/unauthorized inquiries from Ally XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

Again another company that clearly does not know how billing works. The VA pays every single one of my medical bills. Every single one. This should have been paid on time by the VA. I should not be receiving this bill because of poor communication between the original medical provider and the XXXX XXXX. 

I do not know how many times this has to happen to me. I provide XXXX  XXXX Veteran card. Provider bills the VA. Its not rocket surgery. 

The new collection agency Capio. Harasses me every single day trying to collect a debt from XXXX. Calling at all hours of the night. Text messaging. Its clear as day that it is harassment. That should have been paid already. Or that was not paid due to the original holder of the debt failing to contact the VA billing department. 

Stop having aggressive methods of collecting a debt THAT YOU PURCHASED FROM ANOTHER COMPANY. I dont owe you anything. Shouldnt have owed the original medical provider anything either. Not my fault the billing department of the original provider is uneducated.
Product: Checking or savings account

Received a letter from CHASE bank, dated XX/XX/2023 stating that both my business checking and business savings account are going to be closed effective XX/XX/2023. No explanation on why. Called the bank and they said the decision has been made and no explanation could be given. They said the bank has the right to close the account and has no obligation to give a reason.
Product: Debt collection

A while ago I settled a debt I had with Portfolio Recovery Associates for which I used an online account. A few days ago I received a letter from them saying that I made a payment agreement for a different account when that was not the case. They used my account and previous information to simulate a payment agreement and restart the time period to collect it since it is a debt from more than 13 years ago that actually I do not recognize. I feel like my identity has been stolen or my account has been used without my authorization to make arrangements in my name.
Product: Prepaid card

Funds withdrawn from my paycheck are for XXXX XXXX via BANK OF AMERICA XXXX XXXX XXXX  are withheld. I have been denied reimbursement even though receipts for covered services were submitted. Bank of America wants itemized receipts which are not given when paid by credit card at the time of service. The receipts clearly show the date of service and the Physician 's name or the name of the store in the case of XXXX where COIVD tests were purchased online. 

They make it next to impossible to get reimbursed for medical related charges. They get to keep all unused funds. This is undue stress which can result in additional medical expenses. It should NOT be this difficult to get reimbursed for legitimate charges for which there are receipts. Your consideration and assistance in the matter will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.
Product: Debt collection

contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, 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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Agency.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX I ATTEMPTED TO SEND A DOMESTIC WIRE TRANSFER TO MY BUSINESS CHECKING ACCOUNT WITH FIFTH THIRD BANK FROM MY CAPITAL ONE SAVINGS ACCOUNT ( NOW CLOSED *6067 ). I WAS TOLD BY CAPITAL ONE THE TRANSFER WAS REVERSED BECAUSE THE ACCOUNT THE MONEY WAS BEING TRANSFERED RO WAS EITHER CLOSED OR WRONG ACCOUNT NUMBER WAS PROVIDED. I SPOKE WITH FIFTH THIRD BANK THAT DAY THEY STATED THEY DID NOT REJECT THE TRANSFER. THE ACCOUNT NUMBER WAS CORRECT AND THE WIRE TRANSFER NUMBER WAS CORRECT. ULTIMATELY, THE TRANSFER WAS REJECTED AND MONEY WAS RETURNED. CAPITAL ONE SAYS IT WAS FIFTH THIRD, FIFTH THIRD SAYS THATS NOT TRUE. THE FUNDS WERE REFUNDED, BUT I WAS CHARGED A {$30.00} WIRE CONVENIENCE FEE. I REQUESTED AN OPPURTUNITY TO HAVE INVESTIGATION FORM COMPLETED TO SEE WHY WAS THE TRANSFER REJECTED. I WAS TOLD THIS IS ONLY AN OPTION WHEN FUNDS GO MISSING, WHICH WAS NOT THE CASE FOR ME. I REQUESTED A RECEIPT AND WAS TOLD I WOULD HEAR BACK AND RECEIVE THE RECEIPT FROM CAPITAL ONE WITHIN 3-5 BUSINESS DAYS. THEY KNOW HOW TO GET IN TUCH WITH ME VERY QUICKLY. I WOULD LIKE TO EXPECT THE SAME URGENCY WHEN I REQUEST OFFICIAL DOCUMENTATION. I HAVE NOT RECEIVED THE RECEIPT AND WAS CHARGED A CONVENIENCE FEE FOR A TRANSACTION THAT DID NOT OCCUR AND NOT TO ANY FAULT OF MY OWN.