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

Foster and Monroe LLC has committed several violations under the fdcpa and fcra laws firs by reporting the account to an address I dont reside which you will see on the exhibit secondly by making false representations about the account allegedly made inaccurate assertions by stating that the email in this complaint was the same email that the original creditor which is false as you will see on my exhibit and thirdly failing to identify themselves as debt collectors and which I have evidence to prove my allegations which I will upload on this complaint I spoke with a Cfpb representative who advised me to contact the XXXX Ohio legal aid for help about this matter. I intend to take legal action to make this irresponsible debt collector company. Thank you.
Product: Debt collection

1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 2. Verification that you are licensed to collect debts in my state. ( I need proof you can collect in Texas ) 3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. ( Not received ) 4. A complete payment history, detailing all payments made and any credits applied to the account. ( Not received. Ask for complete payment history include credits ) 5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. ( Not recieved )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the alleged late payments reported by XXXX on my credit report. I demand the immediate removal of these erroneous remarks, as they violate several of my rights under federal consumer protection laws, specifically under 15 U.S.C. 1666b and related provisions.

1. Violation of 15 U.S.C. 1666b Timely Notice Requirement Under 15 U.S.C. 1666b, creditors must provide written notice to the consumer at least 21 days before reporting any alleged delinquency. In this instance, I never received any such notice from XXXX prior to them reporting these alleged late payments on my credit report. This failure to provide timely notification directly violates my rights, rendering the reported late payments unlawful and unenforceable. XXXX failure to follow this statutory requirement demonstrates a disregard for federal law and consumer protections, necessitating the immediate removal of these derogatory marks. 

2. Failure to Remedy Dispute FCRA Non-Compliance This is not the first time I have raised concerns about these erroneous late payments. Previously, I addressed this issue directly with XXXX, and they responded by adding the remark, " Account information disputed by the consumer, meets FCRA requirements, '' to my credit report. This response is both insufficient and evasive. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i obligates XXXX to conduct a thorough investigation and correct any inaccurate or incomplete information. By failing to resolve the dispute and instead relying on an insufficient generic statement, XXXX remains in violation of the FCRA. This further compels the removal of these inaccurate late payment reports. 

3. Verifiability of Information Under FCRA 1681e ( b ), credit reporting agencies and furnishers must ensure that all information reported is accurate and verifiable. The alleged late payments in question remain unverified and unjustified, as XXXX has failed to provide any verifiable evidence to support these claims. Their inability to remedy this issue or offer legitimate proof of delinquency calls into question the reliability of this information. I demand that the CFPB enforce XXXX  legal obligations to remove these unverifiable and incorrect late payments from my credit report. 

4. Impact of False and Defamatory Information The false reporting of late payments has caused significant damage to my credit score, which can result in financial harm and reputational damage. These actions, especially after I have formally disputed the account, amount to potential defamation, in violation of my rights under FCRA 1681h ( e ), which provides protection against false and inaccurate reporting that could cause harm to the consumer.
Product: Debt collection

Commenity Bank called my father on XXXX/XXXX, XXXX/XXXX and XXXX/XXXX at which time they disclosed my debt concerns with him. They also called my brother on XXXX/XXXX and disclosed that I am in debt and stated that I had until XXXX today to call them back or they were going to take legal action against me, they left this information in a voicemail to him. No one in my family was aware of my situation until these calls were made. This was private and has cause a great deal of public embarrassment for me. 

I did call them back and have set up payment arrangements. I however would like to know if legal action is appropriate in my case. 

I called and spoke to them multiple times to advise them the medical reason that I fell behind in my accounts. I asked them to stop calling me while I was at work as I am unable to answer my phone while there.
Product: Checking or savings account

PNC bank wont allow me to link my account with any services
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo sold my credit account to XXXX XXXX and now is refusing to correct the date of last payment which was XX/XX/2011 or earlier I disputed with XXXX XXXX and they acknowledge and removed but I cant get them to fix XXXX and XXXX Makes no sense why they have it on XX/XX/XXXX if they remove from one should remove from all When they sold the account they did not state correct dates and they are showing me a date with no proof of how I made the last payment so I can verify its incorrect they cant just show any date
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit information improperly exposed by Equifax. Their negligence led to my information being exposed to hackers.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and i seen there were card accounts and noticed 2 credit card accounts and a loan account : matco tools i did not apply for or authorize and hard inquiries which violate my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer information regarding ; except as provided in section 15 USC 1681g ( 2 ) ( 5 ) of title, a consumer reporting agency shall not furnish ti any person a record of inquiries in collection with a credit or insurance transaction that is not initiated by consumer
Product: Credit reporting or other personal consumer reports

I have XXXX accounts on my credit report that I have no knowledge of. I have filed an ftc report for each of these accounts XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account I have mailed a formal dispute request to each credit reporting agency listed In this complaint Please delete these accounts from my each of credit reports IMMEDIATELY!
Product: Credit card

I got scammed on XX/XX/XXXX afternoon. It's a gift card scam and I paid gift cards in local store by using my credit card. Once I noticed that's a scam I immediately called Chase to stop my transaction, but back then the payment was still pending and Chase customer service told me I can only ask for refund after the payment is completed. XX/XX/XXXX, the transaction is completed, so I called Chase again and the customer service said they don't response to my payment anymore and would not help me to argue with the local store and I can not get any refund back. But this situation happens all the time and Chase as my bank should be responsible for my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I had enrolled in automatic payments on my card and they said that I had a late payment and didn't reach out to my to let me know. Once I finally realized, I made the payment right away but it was an error on their system.
Product: Vehicle loan or lease

My mother has a car loan through State farm bank. I am the XXXX of the will and the only heir to the estate. I was told to supply the death certificate and the court declaration documentation from the local courthouse showing that I am the XXXX of the estate. I supplied those documents. Now state farm back is requesting different documents. They are stating that the documentation I have is not correct. They want me to obtain a small estate document from the courts for this one asset. The courts will not let me supply that form because the estate is too large to use the documents they are requesting. I am at a standstill with the bank. I have requested a call from a manager. They have not called back to get this settled and I am unsure how I can proceed. This is the smallest bank asset and the only bank I am having issues with.
Product: Mortgage

Hello, I want to address an issue I had with XXXX mortgage company ( finance if America ) and my loan agent. When I started the process of finding a loan, the loan agent was extremely accessible and professional. However, once I had my loan rate locked in, problems started arising. The loan agent became extremely rude and difficult to get a hold of. He kept telling my realtor via email that he is in a meeting or training and never returned mine or my realtors calls. I was told 3 days before the close of escrow that my loan will not be approved since I did not make enough money last year, due to being on XXXX XXXX. The loan agent told me he has to add points to approve my loan, which was an additional {$1700.00} that I did not anticipate paying. This also delayed my escrow and I closed late.

I do not understand how this happened, as I had sent all my documentation and income statements before I signed the original loan rate contract. This should have been verified from day one, not 3 days before close of escrow. At that point, it was to late to change mortgage companies.

When I find out they were changing my locked rate 3 days before close of escrow, I was so disappointed, I emailed the loan agent and demanded to speak to his supervisor. The loan agent told me that he forwarded my email to his supervisor and if his supervisor chooses to call me back, then he will. I of course never heard back from any supervisor.

The tactics used were unethical and unprofessional. They forced me into a situation that left me with no options. Either accept the terms or lose my {$17000.00} deposit and then not have an immediate home for me and my XXXX children. I did my research and this mortgage company had good ratings. However, my loan agent used substandard practices with deceptive techniques. This company reduced my chances of acquiring a new home.
Product: Mortgage

Contacted Nationstar XX/XX/XXXX- advised requested PMI removal. Told by escrow department to send in form to request removal. 
Advised would need an appraisal to determine new valuation on property. 
Requested a copy of the origination appraisal as well to determine the figure they would be using to determine the LTV ratio, which was never sent to me. ( I personally don't believe they have a copy as I was told she couldn't find it and when the request was put in for research dept to pull it I was sent other loan docs, but never the origination appraisal ). 
XX/XX/XXXX-Sent in form via email and fax from information provided along with the appraisal district printout showing a large variance in my property value. 
Called & emailed into Nationstar again a few times in between and no response. 
Called in XX/XX/XXXX- escrow department states that they sent a letter to me denying back in XX/XX/XXXX, however I never received any letter of the sort. I was additionally advised that they would be able to obtain a new appraisal, if I approved, to calculate the current valuation of my home to determine property LTV ratio. This was never completed either. Per the escrow rep on XX/XX/XXXX, they use the origination appraisal ( the one that nobody can provide me ) in order to calculate this figure. 

No responses to my requests. No clear idea how to remove my PMI. No copy of my origination appraisal received still. I continue to have PMI being pulled monthly from my escrow account when I have been eligible and met guidelines to have it removed a significant time ago without action on the part of the mortgage company to advise how to do so nor response to my request to do so. 

I also have delivery receipts from the emails sent if needed.
Product: Mortgage

We prequalified for a loan with Lender. Lender quoted several different interest rates over 3 days discussion. Lender committed to being able to close within 30 days. On this premise we signed a contract. On Friday, XXXX, I wanted to look the loan. The lender again quoted several rates and XXXX different PMI payments. When I asked to have in an email, not even a GFE, the lender then gave a different rate and points quote. After ~ 2 hours on the phone, the lender then said they could n't close in lees that 45 days. I made a purchase decision on the basis the lender would be able to close in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I submitted my FTC REPORT and my dispute letters to dispute unauthorized accounts and inquiries off my credit report because I was impacted by the XXXX data breech. My dispute letter and FTC REPORT was mailed to Transunion. As of XXXX XXXX a few accounts remain on my credit report. I need all accounts removed because it is effecting me from having positive credit. There is an account with XXXX on my Credit report that needs to be removed, This account is in litigation due to deceptive and predatory lending practices and this account was affected because it was between XXXX through XXXX this account was closed in XXXX. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. Based off this law I feel as though my consumer rights have been violated. Please REMOVE/ DELETE ALL ACCOUNTS. XXXX XXXX My rights are being violated because they are reporting my payment history
Product: Debt collection

I do not have any recollection of this amount. This is clearly identity fraud. I would like this removed from my credit felt immediately.
Product: Money transfers

An iPhone 6 was offered on XXXX by XXXX XXXX with an email address of " XXXXXXXXXXXX '' She replied with a different email address of " XXXX '' and stated she was from XXXX, Ohio. When I suggested meeting to see the phone, she said she was in XXXX, XXXX and had the phone with her. She said she would arrange to have the phone sent to me by " Just In Time '' a parcel shipping service in XXXX. I was asked to send {$300.00} by Western Union to " XXXX XXXX XXXX ''. The money was sent on XXXX XXXX and Just In Time promised delivery of the phone to me by XXXX XXXX XXXX. When it was not received, I sent several emails to Just In Time and to XXXX XXXX asking the whereabouts of the phone and they have not responded. This is a SCAM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get my credit report updated on the inaccurate information and remove the account from XXXX consumer as where even the creditor even stated in the attached document stating that I do not owe a debt to that company.
Product: Money transfer, virtual currency, or money service

All money that was reported to be refunded and returned.
Product: Debt collection

This company is charging me and have a collection on my credit report when Ive paid the debt and do not owe anything. When I left the apartment I have pictures of the condition it was clean and I also have live videos and the movers as witness. I also have old work orders that were never taking care of which they are trying to charge me for issues that were already going on when I moved in. I will take this company to court and sue because I do not owe any debt at all.. I paid the debt that was owed and I will sue ...
Product: Checking or savings account

Cash App Support  Square , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Regarding Account Closures and Identity Theft Dear Cash App Support, I am writing to formally express my concern regarding the recent closure of all my Cash App accounts and the subsequent inability to create new accounts. This situation has caused significant distress, as I believe it is rooted in a misunderstanding related to fraudulent activities that have affected my identity since XXXX. 

As a victim of identity theft, I have taken numerous steps to prevent further fraudulent actions against my name. However, despite my efforts, it seems that my legitimate accounts have been unfairly affected, leading to their closure. I kindly request that you conduct a thorough investigation into my case, focusing on the removal of any fraudulent accounts associated with my identity. 

I urge you to reinstate my credentials in your database, ensuring that all records reflect only my legitimate account activities. It is essential for me to regain access to my Cash App services, as they are vital for my financial transactions. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your understanding and support in addressing this issue. 

Sincerely, XXXX XXXX XXXX My Cashapp XXXX : XXXX XXXX or XXXX XXXX
Product: Debt collection

GLOBAL CREDIT & COLLECTION CORP XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX ***This # does not ring at all*** ******-**-*-**-************** -- -- -- ***************** XXXX : XXXX XXXX XXXX XXXX 
Product : XXXX XXXXXXXX XXXX ID : ( not yet providing ) Card number ending in : XXXX Current Balance : {$0.00} ______________________________________________ I had a bankruptcy in 2018. 
This is unreasonable to have a collection company send a bill for a collection of XXXX??? 
YES absolutely publish this ITS WRONG!
Product: Bank account or service

I had a checking account with Bank of America and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to " suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts.
Product: Debt collection

I got a phone from XXXX, as previously mentioned in numerous complaints through the BBB, XXXX themselves, and XXXX XXXX. I got a new phone and a speaker at the time of the contract. I was unable to pay. Later, I paid the phone off, to switch providers. To this day, I get mail from CONVERGENT and XXXX stating I owe them XXXX. 

XXXX can check their own system to show the phone is paid off. I don't owe them anything. 

Due to their negligence, seditious acts, and the like, I currently do not own a cell phone AT ALL, because each time I activate a new phone I get 3-4 bills from XXXX, XXXX, and most recently XXXX XXXX XXXX attempting to get me to pay for old services that have been paid off. I refuse to continue to purchase services, only to be hit over the head with a new bill about old services I've already paid.
Product: Vehicle loan or lease

This is a new complaint in response to an old complaint : XXXX being closed in error before it was resolved. JP Morgan Chase Auto Finance lost the title to my vehicle in XXXX of XXXX, and failed to provide the title to me so I could register my vehicle in Washington state, then continued to lie about steps they were taking to resolve the problem even after paying it off. It has been 4 months since the original request for a copy of the title was submitted, and almost 3 months since the vehicle was paid off. Although the XXXX office, specifically XXXX XXXX, responded to the complaint, both JP Morgan Chase Auto Finance and CFPB closed the complaints before their titles office began the process of requesting a duplicate title from the California DMV, which they said they would do. They needed to complete a title perfection by providing the CA DMV form 227, and failed to do so after confirming with me that they would do so within 45 days after XX/XX/XXXX. The vehicle was paid off on XX/XX/XXXX and the payment processed on XX/XX/XXXX. I received a notarized release of lien letter from them ( from two different title offices in Ohio and Texas ) that were dated XX/XX/XXXX and XX/XX/XXXX. Someone from their titles office contacted me to request a current copy of my drivers license on XX/XX/XXXX, nearly 4 weeks after the confirmation that they would complete the paperwork for CA DMV, which I promptly provided. As of today, XX/XX/XXXX, the CA DMV has had zero contact with Chase Auto according to phone calls with 2 different customer service representatives checking their records. It appears the Chase titles office has no intention of providing the necessary paperwork ( Form 227 notarized ) to CA DMV that allows them to create a new title in my name to send me. As soon as a response was provided to CFPB from the Chase executive office and you closed this case, they stopped responding to my requests entirely. The CA DMV may or may not honor me filling out this form on behalf of Chase without the proper notorized signatures on the correct form so I am at the mercy of Chase to provide the paperwork. Chase must be held responsible for taking my money and holding my property XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have submitted XXXX FTC identity theft reports to Equifax regarding fraudulent inquiries from XXXX XXXX XXXX XXXX from XXXX of XXXX 

Equifax recysesto remove them despite the fact it is identirt theft. I want the XXXX fraudulent inquiries removed!