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

On or about XX/XX/XXXX. A Dispute on Experian had been submitted against a collections account. Experian failed to properly investigate the problem. 

( XXXX XXXX XXXX XXXXXXXX, WA XXXX ) ( Date Opened XX/XX/XXXX. ) for a past due balance of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. ( {$10000.00}. ) ( Account XXXX # : XXXX ) the dispute was Un-Resolved and did not meet lawful conduction and expectation. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ) If this account has been verified as accurate, I need to see ( XXXX XXXX XXXX located at XXXX, WA XXXX ) Methods of Verification and how they are reporting and demanding a collection with a past due balance of {$10000.00}. If they can not provide such information. ( See, Contract Law. ) I demand this be deleted and corrected on my credit report ( s ) immediately. Also, pursuant to 18 USC 8. I owe no debt. This company ( XXXX XXXX XXXX located at XXXX, WA XXXX ) is in violation of my consumer rights and privacy pursuant to 15 USC 1681b 2. ( XXXX XXXX XXXX ) also has no permission to report ANYTHING using my information pursuant to 15 USC 1681 4. ( Also See, 15 USC 1692c, 15 USC 1692g and 15 USC 1681e ( b ). Specially I'm requesting the following information. 1. ) " Proof of the original debt. '' Please provide the original creditors purchase agreement or E-document that substantiates the debt. This should include a detailed account of the original amount, the date of the original transaction, and the specific goods or services for which '' the debt was incurred. 2. ) " Verification of Your Legal Right to Collect : *Please provide a copy of the assignment or transfer of the debt, including any supporting documentation that shows you have the legal right to collect this debt. 3. ) *Details of the Original Creditor : * Please provide the name and contact information of the original creditor, including any relevant account numbers. 4. ) *Itemized Accounting of the Debt : * I request a complete breakdown of all amounts currently being claimed, including any fees, interest, or other charges. Until ( XXXX XXXX XXXX located at XXXX, WA XXXX ) provides the requested validation, I will not make any payments or acknowledge the legitimacy of this debt. Furthermore, ( XXXX XXXX XXXX located at XXXX, WA XXXX ) is Prohibited from reporting this " debt/collection '' to any credit reporting agency until it has been verified correctly. Please be advised that if this debt can not be validated or if ( XXXX XXXX XXXX located at XXXX, WA XXXX ) continues to pursue collection without proper validation, I will consider it a violation of the FDCPA and take appropriate legal action. Thank you CFPB for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

Due to lengthy divorce proceedings and extended unemployment a foreclosure occurred on the marital residence. Specifically, the foreclosure occurred because my ex-spouse refused to sign a deed-in-lieu, or cooperate in the short-sale process. The property was sold at or near the loan amount. Any short fall was guaranteed by VA and the lender suffered no loss. The date of the foreclosure was XXXX/XXXX/2015. 
However, I understand the reporting of this item and I 'm providing this for background information to the following : There was a second mortgage in the form of a home equity line of credit. The mortgage holder was First Tennessee Bank. The maximum amount of this loan was {$25000.00}. 
The amount at time of foreclosure was {$8800.00}. Thirty days after the foreclosure, XXXX 2015 the entire of {$8800.00} was charged-off by First Tennessee and states on my credit report " charge off due to loss ''. At the time of the charge off, and at least sixty days prior to, this account was current with no delinquency and in good standing. As the payments were on auto pay I was n't informed of the charge off until I called First Tennessee in XXXX 2015 asking why I was no longer receiving statements. At that time I was asked to participate in a repayment plan which I have followed as agreed since XXXX 2015. 
Recently I attempted to obtain housing by leasing an apartment. The application was denied based on the level of charge offs. There are several points where I have been affected negatively by false information or actions of First Tennessee : 1. There was no financial loss by First Tennessee and the charge off was discretionary by First Tennessee based on the loss of collateral. 
2. First Tennessee never attempted to convert this loan to another instrument or provide any options before taking adverse action against me. 
3. First Tennessee continues to report this account to credit reporting agencies as a charge off each and every month and refused to explain the correct nature of their initial actions.
Product: Credit reporting or other personal consumer reports

Someone used my information to obtain a loan I did not authorize from XXXX XXXX and it affected my credit score on XXXX XXXX Id like the hard inquiry to be removed immediately According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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: Credit card

I borrowed money for dental work and set up monthly payments in the amounts so. Entire charge would be paid off in 10 months so I wouldnt pay any interest.every month they would add a late charge When I called they said they didnt receive the payment till after due date so I changed auto pay to a few days earlier, same thing the next month..so. From XXXX of XXXX  till XXXX of XXXX, I kept getting late charges.. I paid off entire charge and they still. Are trying to collect {$110.00}. When I spoke to them today they were willing to take off {$41.00} but I asked for the full amount and want credit card closed.. 
My bank checks. Show they were always sent out way before due date ans arrival date yet they were never cashed till after due date.. due date was XXXX of month Below is day sentday paid..day recorded by credit card company XX/XX/XXXX initial deposit {$500.00} XXXX {$1000.00} XXXX {$1200.00} XXXX {$1200.00} XXXX {$1200.00} XXXX $ XXXXthey were quick on this one XXXX {$1200.00} XXXX {$1200.00} XXXX $ XXXX.another quick one XXXX {$1000.00} XXXX {$1800.00}. final payment paid in full. 

I believe this company purposely deposits checks so they can charge the customer a late fee. They dont like people paying off their credit cards because then they dont get the outrageous interest they charge.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Debt collection

Disputing derogatory student loans with the Department of Education, I get a letter in the mail from '' Federal Student Aid ''. " Federal Student Aid '' Is not the Department Of Education, though they use DOE letterheads.I was told in the letter that no matter what, collection efforts will not stop because the same laws do not apply to " The Department '' .The letter also stated that my request to cease communications in writing had to be put into writing in order to be valid.The letter was rounded out by saying I owe a additional XXXX in '' Projected collection fees '' and to contact XXXX & XXXX.I sent a response containing yet another request ( 3rd ) to cease communications via certified mail.My wife got a phone call with a angry message from a woman saying I needed to call her about my student debt a few days later, then a written response saying they tried to call me because the letter I sent certified mail was empty.Its a huge burden to have student debt without the added stress of dealing with shady collectors.Anyone can see these letters all originated from the same source, and it isn't DOE, its a collection agency impersonation of DOE.They haven't provided the Original instrument of indebtness, A valid breakdown of their fees, What is owed and being reported to the CBs , and have on several occasions violated my consumer rights.I felt intimidated by these actions.
Product: Credit card

I lost my card on or around XX/XX/2023. I immediately called in and reported my card as lost as with Citi Best buy I do not have an app or purchase alerts. They also do not have a friendly mobile website. I reported my card lost right away the same day I realized it was lost. The charges occured in XXXX which is not a city I live in. The charge continued to occur up to 30 or more miles from my home address. I do not travel and am not traveling to " shop ''. I have more than enough proof i was not no where near where the charges occurred and will not pay for unauthorized charges when the credit card was lost and not in my possession.
Product: Student loan

Navient is always very unreasonable when it comes to ibr. They offer no help or assistance as to get your loan payment lowered while paying monthly and daily expenses. The loan repayment amount requested is too much for household of 1.
Product: Checking or savings account

CASHAPP On the XXXX of XXXX, 2020 at about XXXX I tried to check my Business Cashapp Account on my phone that I have been running and trading with for over 2 months, which does has countless successful transactions history suddenly disappeared with my {$4000.00} sitting in my balance. 
I tried to login again with my verified phone Number and Email and to my surprise it signed me up on a new account asking me to choose a new cashtag/username. 
I contacted Support via Email countless times and I was asked to answer some security questions which I did but to my surprise their response was that they couldnt trace/find my account that I should go ahead and send them the screenshot of my last transaction with the account in question which I still did but its still all looking like a futile effort which is so scary because I have been so restless and I dont think Id be ok anytime soon until I am able to have access into the account in question. 
The {$4000.00} that is sitting in that account belongs to my customers because it is a business account. 
I have tried all my possible best to talk to the Cashapp representative on the phone looking up their phone number or customer service toll free number but theres non. 
In no circumstances would I let go of my hard earned money to neither a Bank nor an Individual. 
I will be very grateful if your reputable company ( CFPB ) can help me retrieve my account to recover back my money as soon as possible. 
Thanking You in Anticipations ...
Product: Credit card or prepaid card

Please read this entire thing. 

1. First and foremost, I initiated a dispute with CHASE BANK within the time frame of their discretion on the charges that a ) had no right being placed on my card b ) charges I received nothing for in return. So once again, I initiated the dispute within the time-frame that chase 's conditions require. 

2. Chase bank disputed the WRONG charges. So, yes, Chase bank did process the dispute, but for the incorrect charges. These charges were valid and eventually had to be re-instated. 

3. Chase bank took so long to resolve the issue listed above that by the time the CORRECTIONS WERE MADE it was NOW ( and only now ) past the time-frame in which Chase requires disputes to be made. 

4. When I spoke to the last 10+ reps, they all state " you are past the cut-off for disputes on these transactions. '' None of these reps take the time to look into the reason WHY I a past the time frame. 

5. I have a letter and screen shots from the merchant showing that have even attempted to refund the charges, but between Chase and their merchant service provider, the money is being held somewhere. Not my fault, and not my issue. 

XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX I have the dates that the other charges were incorrectly disputed which align with being within the appropriate time frame for these disputes ( had Chase bank disputed the correct charges ). 

My attorney had advised me to document this via the CFPB and retain record of any representative that handles this complaint moving forward before we go to court. 

Attached : 1 ). Chase letter denying me for the 10th time. and the charges in question 2 ). Letter from the merchant with screen shots showing his attempt to rectify the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Credit collection services XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Credit reporting or other personal consumer reports

Dispute of Incorrect Name and Address Information Dear Sir or Madam, I am writing to formally dispute the incorrect name and address information reported on my credit file. Upon reviewing my credit report. 

These inaccuracies are affecting my credit report and, potentially, my credit score. I request that these incorrect names and addresses be removed from my credit file immediately. 

Please investigate and remove the erroneous information from my credit report. 

As required by the Fair Credit Reporting Act, I expect your investigation to be completed within 30 days, and I would appreciate written confirmation that these discrepancies have been corrected.
Product: Mortgage

Sir or mam, My name is XXXX XXXX and I currently have a VA loan with the Newrez mortgage company with a 2 % interest rate. Due to my recent divorce I have been trying to remove my ex-wife from the mortgage through the assumptions process. This process will allow the rate to stay the same and allow my wife and I to save thousands of dollars. Because my loan is a federally backed loan it is eligible for an assumption and is usually granted. If I am forced to refinance, my mortgage will nearly triple and I will be unable to afford my home and hold on to the one thing that hasn't changed for my XXXX XXXX XXXX son. A simple answer would be to sell the home but due to my job I have to reside in the city. 

According to the Newrez website this process takes 6 to 8 weeks. I have been trying to get it approved for 8 months now with hardly a word from the mortgage company. They do not have a phone number for the assumptions department and only correspond through email. Because of this, they answer you at their will without any regard for peoples lives. I received an email from them on XX/XX/XXXX stating they would approve the assumption but I can not take out an equity loan to pay my wife her share of the equity and I can not borrow the money from anywhere. I certainly do not have XXXX sitting around that I do not know what to do with. I have come to the conclusion that Newrez purposely drags there feet until you give up and refinance anyway. They continue to do this while sending me emails daily asking me to take out an equity line as I have XXXX in equity in my home. 

At this point I am stuck and do not know what to do. I am hoping exposing them will stop them from leaving peoples lives in the balance. My ex-wife is currently unable to purchase a new home until I can remove her from my mortgage and give her share of the equity of the home. Myself, my ex-wife, and most importantly my son have been through enough during this process and I don't think its right that a mortgage company can hold us up from moving on with our lives. I am hoping this story interests you and you can help in some way. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I have been a victim of identity theft due to a data breach, and the following accounts and inquiries were fraudulently opened without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report.

Fraudulent Accounts 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA SECRET. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit plus both by phone and by mail to request the removal of an unauthorized inquiry on my credit report that was done by me or with my consent and has dropped my credit score it has been over two months it has not been a response and the inquiry remains
Product: Bank account or service

Opened an account with CitiBank on XX/XX/2016 and deposited {$50000.00}. Per the attached brochure I was supposed to receive a {$400.00} bonus on XX/XX/XXXX. As of XX/XX/XXXX have not received that bonus. Spoke to XXXX ( a supervisor in Customer Service in Texas ) and she indicated that the matter has been referred for investigation which can take another 10 days. She also indicated that when I receive my bonus that they will not provide back-dated interest. If the Bank makes an error then they should make me whole by providing interest for the lost use of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted XXXX XXXX  and was told the account was closed due to XXXX missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that XXXX XXXX did not present my scheduled ACH for payment during the months in question. 

I provided this information to XXXX XXXX. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that XXXX XXXX has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with XXXX Customer Support. XXXX Customer Support could not resolve and deferred back to XXXX XXXX. I am without resolution.