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

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by XXXX, for account number XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA,  FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.
Product: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX {$59.00} each I've called time multiple times they were supposed to put a stop to it and it's still getting took out every month I'm having to call and get it refunded this has been multiple times and we're just the two most recent it's from just XXXX and XXXX kids we have done canceled my card and got a new one I don't know how they're getting my card information something needs to get done about this
Product: Mortgage

They have refused to remove my PMI. Based on the tax assessed value and my current principal balance my LTV is 73 %. Tax assessed value is commonly known to be XXXX25 % less than the market rate of the home ( depending on market ). I find it fraudulent to continue to be required to pay this PMI along with being asked to pay for an appraisal with no guarantee the appraiser will provide and accurate value in my interest and not the lender 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception
Product: Student loan

I have contacted this company several times regarding the discharge of these loans as they were taken out by a school that have been closed for fraudulent activity. I now a ridiculous amount of student loan debt with no degree form a for profit school that should of never been allowed to operate in the first place. Every time I call no one can help me or they direct me to their website which does not have the information I need. To make matters worse my payments have now doubled ( without notice ) and my loan balance have gone up XXXX in less than 2 months. How is this possible? I see now why you guys are being sued. This is a scam and its disgusting how you are praying on people who were only trying to better their lives by getting an education.
Product: Credit card

I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as " Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a " Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   2014  90 days past due as of  XXXX   2014    60 days past due as of  XXXX     2014  30 days past due as of  XXXX   2014    I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

being a loyal customer of mr cooper i cant se why they cant let this slide ive been with them a long time an my payments were always on time i cant see how were having this problem over tax issues you could of let it slide because the bill doubled you cant expect normal person to pay up in liss then 30 days i never questioned you guys on payment amount.also why is it listed as nationstar and not mr cooper as it should be also has incorrect amount owed by me wrong 2 mistakes
Product: Debt collection

Receiving phone calls out throughout the day on my personal cell phone family members for that that I 'm unaware of
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited the refundable amount of {$20000.00} for a surety bond with TDF financial services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone # XXXX, XXXX and XXXX On XX/XX/XXXX I received a letter saying that the business shut down, That my surety bond was canceled effective XX/XX/XXXX And that the cancellation would be effective 30 days after that, and then that I should wait 60 days for them to issue my refund. They stopped answering the phone and emails : On XX/XX/XXXX I got a hold of XXXX and she told me that they were still in the process of shutting down that they only had three people working and that was the reason it was taking too long that they would be sending letters with any new information. 
On XX/XX/XXXX they sent me another letter apologizing for the delayed response. They said that their team was limited to three members working as fast as possible to get the information out that I should have information coming out by the end of XXXX, another month went by, I kept trying to call XXXX but she never returned my calls, I sent many emails and finally on XX/XX/XXXX I received a letter from them are telling me that they are insolvent and have insufficient funds to refund the XXXX trusts :
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted an FTC report, in regards to a XXXX XXXX account ( # XXXX ) that was opened on XX/XX/year> in the amount of {$410.00} followed by relevant inquiries. After learning that my personal information was exposed in several data breaches, I was made aware of this account. After submitting this account information along with my FTC report, proof of ID ( Social and licesne ), and prof of address to Experian I received an email ( email is attached ) ( email sent on XX/XX/year> ) stating that they did not have all of the following documentation needed to removed this account, and that they do not have a FTC report, This is NOT true. They were provided a copy of 1. My FTC report, 2. My ID, 3. A copy of my Social Security card, 4. Proof of my address The relevant inquires have been removed but NOT the account! Experian is violating my rights, and this account need to be removed. They have all needed documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Equifax consumer credit report ( Enclosure 9 ). The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information ( amount and original creditor ) provided by XXXX to Equifax and XXXX on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to Equifax by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted a dispute regarding the collection account referenced above to Equifax via certified mail ( see attached supporting documentation ). I also filed a complaint with CFPB on XX/XX/XXXX ( Complaint ID XXXX ), which ultimately resulted in removal of that collection account. 

As a XXXX XXXX XXXX XXXX XXXX  in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Product: Money transfer, virtual currency, or money service

I AM FILING A COMPLAINT AGAINST CASH APP ( BLOCK, INC. ) DUE TO INADEQUATE CUSTOMER SERVICE AND UNFAIR PRACTICES, WHICH VIOLATE THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ). SPECIFICALLY, CASH APP FAILEDTO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED. FUTHERMORE, THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT ( EFTA ) AND REGULATION E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I was renting an apartment for I pay on time, pay more than {$700.00} on deposit. I did all the steps they told me to do before I moved out. After I moved out they never contact me about anything, then after XXXX months a Collection agency is harassing me all the time that saying I own {$410.00} to the apartment. 

I asked for evidence about this debts. They said they will give the evidence, but they never did.They just contact me every other day. Then, they open a case in my credit report, but they refuse to provide evidence.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the removal of inaccurate information from my credit report related to the account with your institution. I have previously contacted you regarding this matter and have been waiting for over 100 days without any change or validation of the inaccuracies. 

The account in question is listed with the following details : Account Name : XXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$2100.00} XXXX XXXX : {$2000.00} Status : Closed Worst Payment Status : No Info Remarks : Consumer disputes after resolution, Charged off account, Account closed by credit grantor Violations and Errors : Incorrect Balance Information : The reported balance of {$2100.00} exceeds the credit limit of {$2000.00}, indicating a usage of XXXX XXXX. This discrepancy suggests errors in the reported balance, as no additional fees or interest should have caused the balance to exceed the original limit after account closure. 

Account Closure Date : The account was closed by the credit grantor on XX/XX/XXXX. However, the balance and payment status are inaccurately reported as if the account is still active, with the last payment noted on XX/XX/XXXX. 

Dispute Status : The account is marked with " Consumer disputes after resolution, '' yet the dispute remains unresolved from my perspective. I have contacted your office previously but have not received a satisfactory resolution. 

Payment History : The payment history shows that XXXX XXXX of payments were made on time. However, the detailed history does not align with this percentage and appears inconsistent. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct or remove inaccurate, incomplete, or unverifiable information from my credit report within 30 days. Given the extended period of over 100 days without resolution, I request immediate action to remove or correct the inaccuracies related to this account. 

Please be advised that each violation of the FCRA carries a penalty of {$1000.00}. I expect these errors to be corrected immediately to avoid further action. I have already sent copies of my report in multiple accounts that has not been closed out yet. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displaying inaccurate employer ( XXXX XXXX ) on credit report. I do not work for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place. 
They are reporting negative information on these reports. 
15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Product: Debt collection

One XX/XX/2023 I sent in a dispute to have an alleged debt that was reported to my credit report validated. Since then I have sent out another dispute on XXXX XXXX being that they did not respond attempting to get a response once again and still nothing. According to FDCPA I have the right to request and receive validation of debt in which I still have not received!
Product: Debt collection

I have sent affidavit and identity theft police report to each credit bureaus and nothing has been done. The balance for this account is {$1700.00}. The last time I sent the documents via certified mail was XX/XX/2019.
Product: Checking or savings account

On Monday XXXX some random guy on XXXX I met wanted to purchase XXXX pair of XXXX from me for a XXXX dollars. I talk to that person over the phone so we can meet to do the exchange I sold him XXXX pair of XXXX and he said he will send my payment thru XXXX I gave him my phone number to send the XXXX payment I watch him pull out his phone and send me the payment then we both went out separate ways after the transaction my funds didnt come available in my account until Wednesday XXXX now today which is XXXX my bank which is Navy Federal Credit Union is closing my account because the XXXX dollar XXXX payment I received for my XXXX  are being reported as fraud transaction why is my account being close because of someone reported that transaction as fraud which had nothing to do with me all I did was sell a guy some XXXX  and received a payment
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. 

Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX XXXX # XXXX Account ; # XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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: Mortgage

We are looking at a XXXX in NJ. The XXXX was for closed and is now owned by Nation star Mortgage. Nation star is requiring all potential buyers to be pre-approved by Greenlight loans, LLC., regardless of having a pre approval letter from another lender ( which we do ). Greenlight loans is a division of Nation star Mortgage. Nation star in no way reveals to potential buyers that they own Greenlight. So we have a seller requiring us to get pre approved with their own mortgage company which they own and directly will benefit from. 

I feel that we are being steered and pressured to use their own mortgage company. Additionally, I am concerned that they will not do due diligence in our pre approval as our income is largely XXXX and Schedule E ... our current pre approval was done by a very experienced broker and underwriter who took a great deal of time to look at all of the details. 

Lastly, I would like to remain anonymous as I do not want to hurt our chances in purchasing the property.
Product: Credit reporting or other personal consumer reports

I have been trying for over a month to get access to my Experian account in order to manage a credit freeze. Although I have my user name, password, and PIN, I can not get into my account. Every time I try they route me into a " get a free credit report '' screen and then I get a tech error message. I have tried calling, but it is IMPOSSIBLE to speak to a real person. I get stuck in an endless loop of recorded messages. I have tried mailing in documents to provide I am who I am and have not had a response. 

Regardless of whether I eventually get into my account, it is unconscionable ( and, I suspect, illegal ) for Experian not to have a way for customers to speak to a real person. I have been able to lift the credit freeze with the other credit bureaus, but because creditors will not indicate which credit bureau they will use, I have have the bad luck of having two creditors try to get my credit scorXXXX from Experian and I have been denied credit.
Product: Mortgage

I called our mortgage company on XX/XX/2020 to ask about a refinance to a lower rate. I supplied all requested paperwork to the representative immediately upon request and was instantly approved. Since then I have been repeatedly asked to submit identical paperwork ( which I have done immediately ) and am still getting the run around about our closing date. I have dealt with several different people and have had a hard time getting a straight answer about what the hold up is. I believe they are stalling on the closing so that we have to continue to pay the higher interest rate. We have a $ XXXX yearly income and good credit. Additionally we are already a customer of Freedom Mortgage and are in good standing so there is no reason why we should be hassled this much about a refinance that was preapproved in a matter of hours. The individual who preapproved our refinance even stated that we are preferred borrowers or some similar term. If this is how preferred borrowers are treated I would hate to see how everyone else it treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}