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

i sent a request for validation multiple times and i keep on getting the same thing over and over again on of the things i requested was " On XX/XX/2018, two documents were sent to me. The first document did not have the validation of debt listed. The only thing that was listed was responsible party, address, balance and a file number ( is what is called " verification '' not " validation '' ) The second document that was sent was addressed to the WRONG person. It should have been addressed to the responsible party. My insurance was billed incorrectly and before making any payment towards a debt I want to make sure that the bill was properly processed through my insurance carrier '' and what did i get back the same thing over and over again i will attach it is an invoice with there companies name i could of done the same thing write my companies name and send them in invoice how does that proof anything and plus i requested a lot of other information and they didn't bother verifying that at all.
Product: Credit card

I have had a recurring problem with the Chase Sapphire Preferred Card, through Chase.com. One of the advertised benefits of the card is an annual {$50.00} credit for a hotel stay when booked through the Chase Travel Portal. Apparently, Chase does not have a seemless way to issue the {$50.00} credit without the customer having to repeatedly call Chase and explain all of the details of the qualifying transaction, despite Chase having this information already. This has happened to me in multiple years. Rhetorically, Is Chase just claiming the benefit, and doesnt expect the consumer to make the multiple calls and spend hours on the phone with their agents to get the {$50.00} credit? The phone agent is not able to issue the credit, despite it being obvious that the hotel charge was booked and paid via the portal. They have to submit it to the back office, who also cant find the qualifying charge.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$3000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

The law office of Rubn and Rothman LLc address po box XXXX XXXX ny XXXX their contact information is phone XXXX XXXX the reference number is XXXX .my complaint is that they unlawfully filed a judgment against me for a very old credit card debt from XXXX 's account ending in XXXX the debt is very old since XXXX and it over the Statue of limitations. The law office abuse their power by trying to used tactics to collect a very old credit card debt and unlawfully filed a civil judgment against me. Last four of social security number is XXXX
Product: Debt collection

I called XXXX on XXXX XXXX, XXXX to cancel my internet subscription. The man I talked to said he canceled the subscription and that I didn't owe anything else. I received no further communication on the issue and was under the impression it was settled. Fast forward to XX/XX/XXXX, I get a notification on my bank identity alert there is a new derogatory mark on my credit report for a collections of {$89.00}. I looked into and found it was from XXXX XXXX and the collection agency was Amsher Collection Service. I received zero communication from XXXX this supposed debt was going to a collections agency and have received zero communication from Amsher Collections about this. How is it legal to put this on my credit when I had no idea it was going to happen??
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$7700.00} XXXX - XXXX - XX/XX/XXXX - {$810.00} XXXX  - XXXX - XX/XX/XXXX - {$720.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX - XXXX - XX/XX/XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$570.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

This is NOT a new request but have further concerns, Midland mortgage company wants more funds as they have made up 6 different prices on the house when the balance owed on the house approximately {$21000.00}. CFPB # XXXX-XXXX andCFPB # XXXX-XXXX, and is it allowed for them to make up prices, pricing people out of their homes. The balance owed is approximately 21,000, the mortgage company. Yet the requesting approximately {$79000.00}.
Product: Student loan

I was advised by my previous student loan facilitator to consolidate my loans for complete student loan forgiveness. I filled out the paperwork it's been in review since XX/XX/2023 on the student loan forgiveness aid government whatever website eventually it went to MOHELA and now it's in forbearance and I'm accruing interest. I am not happy. I don't know what is going on. I would never have consolidated my loans if this is what was going to happen I was trying to find out about student loan forgiveness. I have been paying on these loans since the early 90s what's going on now? I owe more and it's showing on my credit report.
Product: Debt collection

To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Request for Verification, Method of Validation, and Deletion of Collection Accounts Dear Sir/Madam, I am disputing the accuracy of several accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information. If these accounts can not be fully verified within the legally required 30-day timeframe, I request their immediate deletion from my credit report.

Additionally, as provided under FCRA Section 611 ( a ) ( 7 ), I am requesting the method of validation for each disputed account, including : The name of the person or organization contacted during the investigation. 
The specific steps taken to verify the information. 
Copies of all documentation relied upon to confirm the accuracy of the information. 
Disputed Account Details : Account Number : XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Status : XXXX  ( Closed ) Original Creditor Name : XXXXXXXX XXXX XXXX XXXX Balance : {$470.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Number : XXXX XXXX Creditor Name : XXXX XXXX Account Status : XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Creditor Name : XXXX Account Status : XXXX  Original Creditor Name : XXXX XXXX : {$410.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Requested Actions : Validation : Please provide evidence for each account, including : Proof of ownership and authority by the current creditor or collection agency. 
A signed agreement or contract with the original creditor. 
A complete payment history, including the balance calculation. 
Method of Validation : Provide the name of the furnisher of information, the specific steps taken to verify the information, and copies of any documentation relied upon during the investigation. 



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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with Insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

Title : Misleading Advertising and Unauthorized Transaction with XXXX XXXX XXXX by XXXX XXXX  Complaint : I applied for the XXXX XXXX XXXX offered by XXXX XXXX  after XXXX advertised it as a way to make purchases immediately with installment options. However, this was misleading. When I tried to use the card after depositing {$200.00}, I was unable to complete my purchase because I was asked for a security code that could only be obtained after receiving the physical card by mailsomething that takes up to 15 days. 

I specifically chose this card based on XXXX claims that I could make purchases right away. This was clearly not true. I reached out to both XXXX XXXX and XXXX for clarification : XXXX XXXX  claimed I needed to wait for the physical card for the code. 
XXXX stated XXXX XXXX  should provide the code immediately. 
This back-and-forth left me unable to use the card for its advertised purpose. 

Key Issues : Misleading Advertising : XXXX promoted the XXXX XXXX as immediately usable, but this was not the case. 
Unauthorized Transactions : Even though I was unable to complete any purchase, XXXX XXXX  somehow processed a {$15.00} XXXX XXXX charge on the account without my consent or authorization. 
Unjustified Credit Reporting : Despite not using the card and attempting to cancel it, XXXX XXXX  reported delinquent payments on my credit report, which caused significant damage to my credit score. 
Resolution Demanded : Immediate removal of negative marks from my credit report by XXXX XXXX. 
Cancellation of any unauthorized charges. 
Compensation for damages caused to my credit score and financial standing due to these issues. 
The entire process has been misleading, frustrating, and harmful. I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), credit bureaus, and other relevant agencies if XXXX XXXX  does not resolve this issue promptly. 
I ntoiced in my credit report the wrong report by XXXX XXXX  on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00}
Product: Mortgage

As of today, we received a letter from the note holder or investor, XXXX XXXX, regarding our loan XXXX stating that as the nominal mortgage owner, XXXXXXXX XXXX does not have the authority to review or approve loan modifications. When we requested a loan modification in XX/XX/XXXX based on a very serious XXXX, which caused us a considerable loss of income, the response from the unscrupulous underwriting at SPS was to extend the maturity date until XX/XX/XXXX, PLUS a balloon payment of {$110000.00} which does not make sense because if the loan was extended the lender would benefit because we would end paying more interests. SPS alleged that the lender did not authorize to match the amortization term and the maturity term and this statement is utterly false because the investor responded to my letter and clearly stated that they did not have anything to do with this abusive proposal. This modification has been reported to the USA Housing Department and is being evaluated. 

The purpose of this complaint is that after all these lies, I requested on XX/XX/XXXX, an analysis of our escrow account. This evaluation is pretty simple and consists in adding all the money deposited since SPS started servicing our loan in XX/XX/XXXX as of XX/XX/XXXX, and subtract the payments made in flood and hazard insurance and property taxes. A simple addition and substraction that I gathered and reflected in a simple spreadsheet that was contradicted by SPS. On a letter dated XX/XX/XXXX SPS stated that we have only paid {$38000.00}. This amount is incorrect, we have paid since XXXX to the escrow account {$40000.00}. There is not way around when talking about numbers, the sum of all the deposited money appear in multiple statements, and despite having sent to SPS proof of payments, SPS still insists that we have a negative escrow account balance of {$1300.00} and this information is wrong. We decided to close the Escrow account and requested a refund that we have not received yet. 

In short, in addition to the abusive loan modification proposal, SPS is holding our money deposited in an escrow account and is asking us to pay for an inexistent and made up shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's way of handing disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institute and zelle failed to investigate my claims adequately. They informed me covering lost funds was impossible and that tracking these transactions were unfeasible. The c f p b findings have indicated that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

On XX/XX/2017, submitted all the necessary documentation of property ownership due to inheritance to the citys county and Banco Popular along with paying all the outstanding back taxes along with submitting my proof of income in order to get a new FHA mortgage loan approval on the property I signed the loan as owner of my property for the new mortgage loan but when I looked at my credit report I was not reported as me being a homeowner or even being an owner of my property along with paying for the loan and when I asked the bank why they responded the property was still in the name of my deceased parents and asked them hows that possible when I signed for the new mortgage loan not my deceased parents and they responded that I did the mortgage with loss Mitagition Dept not the change of ownership but I informed them the loan was under Banco Popular homeowners loan not loss Mitagition Dept they still insisted on me repeating the same process I did on XX/XX/2017 in order for to obtained the loan under my name which is unfair along with the fact the credit report will only show that I obtained the loan just recently when I fact I have been paying my loans faithfully as scheduled and I should received my due credit for paying my loan in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with XXXX and Transunion stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing Transunion has taken several months since my last disputes and XXXX refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka XXXX XXXX and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement  and illegible piece Paper that only showed an amount, not a statement from " XXXX XXXX " Recently XXXX XXXX erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.