23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I asked for the written consent, my signature as well as itemized list of debt. I was refused information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan account had incorrect contact information and I did not receive mail correspondence about bill being due. Additionally, this happened during COVID pandemic and XXXX XXXX like myself should be given leniency with these things. I'm not sure why this account did not continue to be under the federal pandemic forbearance either. However, since I became aware of this account being actively due I have brought the account to current status and will be making monthly payments to satisfy my loan obligation. 

Account in question Equifax : XXXX XXXX XXXXXXXX Student loan Balance {$4800.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many items which were opened without permission were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to false credit reporting. The dispute items unknown to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : EXPERIAN XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XX/XX/year>2022 -- -- XXXX -- -- XXXX : XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$1100.00} -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/year>2022 XXXX XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX XX/XX/year>2022 XXXX XXXX  XXXX XX/XX/year>2022 XXXX XXXX/2022
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts appear on my credit report this morning, and I dont understand why. When I checked my report, as I usually do, I noticed unexpected inconsistencies. Thinking it might be a system glitch, I refreshed my browser, but the errors did not disappear. Because of this, I am asking for a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.
Product: Bank account or service

I deposited a check ( drawn from XXXX XXXX XXXX ) at my local wells fargo branch ( XXXX XXXX XXXX XXXX, TX XXXX ) and deposited a {$50000.00} on Wednesday, XXXX XXXX. I understand that hold should be placed, but the hold was to last until XXXX XXXX. I called the issuer of the check XXXX XXXX today, XXXX XXXX to see if check has been cashed. I was informed that this check was cashed and was provided with a canceled check via email. I printed the canceled check and gave to the service manager, XXXX XXXX. She was not able to release hold and informed me that her manager, XXXX XXXX would not authorize the release of the check as well. Local representatives were not able get a verbal verification from XXXX that the funds had cleared.
Product: Checking or savings account

I had accounts with them I was charged overdraft fees and they would freeze my account for no reason money was put in an in and out of my account without my say so and then they close my account
Product: Credit reporting or other personal consumer reports

On XXXX XXXX. XXXX XXXX. And XXXX XXXX. I filed dispute claims to Transunion. Regarding XXXX XXXX XXXX. My credit report states that 54 % is paid off and a balance of {$610.00}. ALL DIRECT DISPUTES with Transunion completed final results state that this information was verified as accurate I am NOT satisfied with these results. Especially since on the dates that I filed the complaints, I also contacted XXXX XXXX XXXX Each time they stated that the account is PAID IN FULL in good standing and that there is NO BALANCE. XXXX  XXXX XXXX also stated that I have to contact the credit Bureau to dispute the information. The last Direct Dispute with TRANSUNION was submitted on XX/XX/XXXX and completed on XX/XX/XXXX.File # XXXX. The information is inaccurate andWRONG.
Product: Checking or savings account

This e mail is to advise you of a horrifying experience I had with Chase. 

In XX/XX/XXXX, I asked Chase to void/stop payment on a series of check # XXXX as I lost my check book, which Chase did I then began to use money orders drawn from Chase and check cashing ( Money Orders ) to pay my bills. 
In XX/XX/XXXX, I believe, I ordered checks from Chase to pay my bills as getting money Orders ( MOs ) from chase bank and/or cash checking was too strenuous. I received a new batch of checks from Chase and began to write checks I wrote checks to my landlord XXXX XXXX XXXX, XXXX and the IRS in XX/XX/XXXX On XX/XX/XXXX, I received a call from my landlord stating that there was a stop payment on the check I wrote that they presented. I never authorized a stop payment from the new batch of checks I received. 
After calling the Chase call center ( which was disastrous ) three times I was given specious information, inaccurate information, or told there is no record of what I was talking about. 
Horrified I went to the Chase Branch on XXXX XXXX ( XXXX ). After her research, XXXX XXXX ( a VP at the XXXX XXXX branch ) found that I was issued the same series of check # XXXX ( new batch I received ) which were identical to the series of cancelled checks in XX/XX/XXXX. 
I received a letter from Chase acknowledging the bank error Additionally, I received a call from XXXX XXXXChase Complaint and XXXX XXXX XXXX XXXX ) XXXX, Ext XXXX, who needed information. She was not helpful and informed. She called me on XX/XX/XXXX stating that she sees a check cleared in XX/XX/XXXX, for XXXX. What she told me has nothing to do with my current issue. I think she saw the amount and concluded there was no issue. The issue is this happened in XX/XX/XXXX As you may tell, I am horrified by the treatment I am getting I have suffered humiliation, pain ( XXXX XXXX XXXX increased ) and fear that my credit and housing may be in jeopardy. I am in the process of contacting the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX  XXXX due to the treatment I am still receiving. 
I will also contact Chase Corporate if this issue in not addressed properly Finally, XXXX XXXX should be commended on her superb customer service skills. The branch manager was not helpful, to say the least. 
I am requesting adequate redress/compensation due to this bank error. 
Thanks XXXX XXXX
Product: Mortgage

I received a principal reduction of XXXX through the HAMP program on XXXX XXXX. I requested this principal to be applied to arrears. I received a letter from PHH stating that this was a recast principal reduction which the lender offered XX/XX/XXXX, which is not true. In the hamp program I was suppose to receive XXXX yearly for the first five years of the modification program in XXXX, and than XXXX on the 6th year anniversary which I did receive the XXXX on XXXX XXXX. How could a principal reduction for a recast offered XXXX XXXX be applied before the offer. PHH is defrauding us where Ocwen left off. This XXXX was awarded through Ocwen HAMP Program it had nothing to do with a recast offer. Ocwen was sued in XXXX, XXXX for violating hamp program ( fisher-case ) by the dept of justice. Since I inquired to ocwen about why we did not receive the XXXX principal credit yearly PHH has twisted and turn the credit we received by ocwen around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I purchased a vehicle from CarvanaXXXX. The vehicle I chose, a XXXX XXXX XXXX XXXX, I chose it specifically because it was advertised to have the adaptive cruise control feature. I received the vehicle and the delivery person commented on how cool the feature was. During my 7 day trial period I sat down to figure out how everything worked and discovered that the vehicle does not in fact have adaptive cruise control. I contacted Carvana on XX/XX/XXXX and was told a ticket would be opened to have the issue resolved. I never received a response so I reached out via text on XX/XX/XXXX and was told the most they would do was to send me a {$500.00} check for the inconvenience. A XXXX search confirms that to have the feature added would cost approximately {$2500.00}. I feel the advertisement was misleading and I was tricked into keeping the vehicle by them stalling by opening a ticket for the issue putting me past the 7 day trial period. I feel this situation violates UDAAP and is false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, XXXX XXXX XXXX  : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account
Product: Student loan

After months of trying to change my account to remove the 'paid ahead status ' I finally received a notification that MOHELA will begin to process the payments as requested in my filed instructions. I received this notification on XXXX. The notification said it should take 3-5 business days to see it reflected in my account. On XX/XX/22 the change was still not reflected in my account when I checked online. I called customer service and after being on the phone for over 30 minutes, the best they could do was tell me it's been escalated and I should see a message in 5-7 business days. And if I don't then to call back. I feel like they are just hoping people forget about the requests they submit so they never have a chance at paying down the principal of their loans. This issue has cost me hundreds of dollars in interest, as I was trying to pay over the minimum to pay down the principal of my loan. When I expressed this concern, the representative said well your loan accrues interest every day. MOHELA has the worst customer service and platform.
Product: Credit reporting or other personal consumer reports

I am formally request to dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts and Bankruptcy. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. I assume for your immediate assistance to correct or remove the following accounts and Bankruptcy : XXXX XXXX XXXX Balance Owed : {$2100.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXX XXXX  Balance Owed : {$1000.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO THE FCRA I DON'T RECOGNIZE THESE ITEMS THERE FORE, THEY NEED TO BE REMOVED/DELETED FROM MY CREDIT REPORT DELETE THESE INQUIRIES XXXX XXXX BANK XXXX REMOVE/DELETE FROM CREDIT REPORT ) XXXX XXXX ( REMOVE/ DELETE FROM CREDIT REPORT ) XXXX XXXX XXXX ( DELETE FROM CREDIT REPORT ) XXXX  - CARD SERIVICES ( REMOVE/ DELETE FROM CREDIT REPORT ) XXXX XXXX XXXX XXXX REMOVE/DELETE FROM CREDIT REPORT XXXX THESE HARD INQUIRIES I DID NOT AUTHORIZE THESE HARD INQURIES, THIS IS DUE TO FRAUD AND IDENTITY THEFT! ACCORDING TO THE FCRA I HAVE RIGHTS PLEASE REMOVE THESE OFF MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : In a recent review of my credit reports, I noticed several inquiries among the records held by all ( 3 ) of the credit bureaus from CITIBANK that I do not recognize and believe to be fraudulent or not related to a proper/authorized purpose. 

The CITIBANK INQUIRIES in question specifically are as follows : " CITI CARDS CBNA '' - On XX/XX/year> : -- - Appears On Reports At : XXXX, XXXX " CITI CARDS CBNA '' - On XX/XX/year> : -- - Appears On Reports At : XXXX I would like the bank to provide proof that the inquiry was for a legitimate/authorized purpose as well as explicit evidence that is was requested by myself. Any documentation that they feel proves this, I would like to be sent to me directly via the CFPB 's complaint handling system for my review. If they are unable to prove that these inquiries were in fact for a legitimate business purpose and requested by myself, then I would like them removed immediately. 

Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I mailed Capital One 2 billing dispute letters. Capital One received and signed for the letters on XX/XX/2022. On XX/XX/2022 I received 3 letters US mail from CApital One that they were closing all 3 of my Cards ( 2 personal and 1 business ) because I violated the Capital One Customer Agreement. No documentation was included with how the agreement was broken. My business card was closed due to affiliation with my consumer name. 

I exercised my consumer rights by creating a billing error dispute per my rights 12 CFR 1026.13. 
Capital One did not complete nor acknowledge a reasonable investigate the billing dispute according to the law. Capital One is trying to collect on all 3 accounts. 

I called an spoke with the fraud department requesting my documentation and I was told that I the consumer and account holder " am not privileged to those requested documents! I would not receive them. '' Adverse Actions : *Capital One reporting 30 day lates to all three credit reporting agencies. 
* closed all accounts without my permission * failed to provide documents requested by the consumer. 
*failed to acknowledge billing dispute letter. 
XXXX XXXX XXXX Capital One has broken the laws governed by US laws in the FCRA.
Product: Credit reporting

The XXXX Financial Aid, sent letters to XXXX Experian and XXXX XXXX on before XXXX XXXX, 2016 instructing the removal of the defaulted loan negative trade lines. So far, this has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX