23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/17 I emailed XXXX from Clear Path Lending to cancel the refinance. On XX/XX/ I received a call from XXXX XXXX to reconsider. I was emailed a 6-page proposal. I emailed back and canceled. XXXX XXXX called me back to ask me to reconsider and I said that I did not like this refinance because Clear Path Lending has raised my mortgage from {$400000.00} to {$410000.00}. I explained that was too high and asked why I am being charged {$13000.00} for a re-fi and thought that was too much. So, I said cancel. After I said that over the phone, a XXXX XXXX XXXX from Clear Path Lending came on the line to convince me that I would receive around $ 5000/6000 back. When he stated that I decided to go ahead with the re-fi. I called on XX/XX/17 and XXXX answered the phone and I asked when will I receive the $ 5000/6000. I asked to speak to XXXX XXXX. He said that XXXX was no longer working there. I asked about the money I was to receive and he stated to me where do you think that money is coming from. I told him about our conversation on XX/XX/17. He said he would call me back. He didnt call me. I called again today XX/XX/17 and told me he would call me back. He didnt. I never received the {$6000.00}. I would have never gone with this plan. I was tempted by the cash back. Also sent to BBB & FCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTE THIS ITEMS NUMEROUS TIMES. INVESTIGATION TOOK WELL OVER 30DAYS. I DIDNOT RECEVIED ANY OF RESULTS FROM THE CREDIT BUREAUS. ACCOUNTNAME { XXXX XXXX }
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and my report dont match up as seen in screen shots i sent. I have never been late on payments for the account : ( XXXX XXXX XXXX  XXXX ) : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Student loan

I requested a XXXX  XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today, XX/XX/XXXX telling me that they mailed a letter requesting additional information. 
I asked for the history of the loan to verify that I had 3 loans with them. Because to my knowledge, I only had one consolidated loan. The servicer at XXXX stated I have a total of 3 loans 2 with them but one with XXXX from the years of XXXX and XXXX. I requested history to confirm. They stated they did not have anything like that. I asked for the supervisor who in turn gave me as of XX/XX/XXXX, the original balance that they were given was {$5600.00} for one loan and the unsubsidized part B of {$5900.00} was the 2nd loan. Which totals {$11000.00}, which is on my report as well. The loans are the same loans being report 3 times differently on my report. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  XX/XX/XXXX ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. 

Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/2019 According to UCC 9-616, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : 1. The amount for which the collateral was sold. 
2. An explanation of how the deficiency balance was calculated. 
3. A statement of any surplus or remaining balance owed. 
I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency. 
Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. 
In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. 
State-specific repossession laws which may require additional notices or procedures that were not followed. 
Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. 
I respectfully request that XXXX XXXX XXXX take the following actions immediately : 1. Cease all collection efforts related to the alleged deficiency balance. 
2. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 
3. Provide a written explanation of the actions taken in response to this complaint. 
4. Compensate for any damages resulting from this unlawful repossession and negative reporting.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Block Fraudulent XXXX XXXX  Account from My Credit Report To Whom It May Concern, I am writing to formally address your failure to remove a fraudulent XXXX XXXX  account from my credit profile. Despite providing you with a valid FTC Identity Theft Report, which legally requires you to block fraudulent information from my credit report within 4 business days, you have failed to comply with the law and instead have verified this account as accurate. 

The account in question, XXXXXXXX XXXX account ending in XXXX, is a fraudulent account that was opened under my name without my consent. It is reporting incorrectly with a past-due balance of {$260.00}, even though the account status clearly indicates a **charge off**. Furthermore, this account is linked to a fraudulent address and phone number, neither of which I have any association with. 

You are legally required to block any fraudulent account after receiving a valid FTC Identity Theft Report, which I provided. Instead of fulfilling this obligation, Innovis has ignored the law, verified this fraudulent account, and left it on my credit report, causing significant harm to my financial standing. Your actions are not only a violation of FCRA Section 605B, but also a failure to meet your duties under FCRA Section 1681i for conducting a reasonable investigation. I have also disputed this via the CFPB with XXXX and the only 'proof ' they had of this debt being mine was an alleged email address, so there is no way you have sufficiently verified this information. 

This gross negligence on your part is unacceptable, and I demand immediate action to rectify this situation. You are required by law to **block** this fraudulent XXXX XXXX account from my credit profile and provide me with confirmation of the deletion within XXXX business days**. If I do not see resolution within this timeframe, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for your failure to comply with federal law. 

I expect prompt resolution and will not tolerate any further delays or stalling. If you fail to take action within the required time, I will consider all available legal options to hold Innovis accountable for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on Equifax, XXXX, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day Equifax, XXXX, and XXXX have not supplied that information.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 FCBA, FCRA, and other federal statutes.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

In the past, I could rely on Navy Federal to have accurate account postings when it came to available balances, however this overdraft issue has cause needless hardship in my life especially concerning my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me, please block and remove per XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XX/XX/2023, because of these numerous inconsistencies they have furnished on my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit card or prepaid card

BBVA credit card closed my account due to overpayment in XX/XX/19 and neglected to pay back the credit balance of my credit card in the amount of {$1200.00}. The Client Solutions Department associate told me that BBVA already refunded the amount back in XX/XX/19 and gave me a trace number that is useless because I was not able to use that number to collect my refund with the third party bill payment system ( XXXX XXXX XXXX ) nor the financial institution ( XXXX ) of which BBVA sent the refund back to. I have tried to collect my refund from both XXXX and XXXX  XXXX XXXX  to no avail because both representatives told me that they do not recognize the trace number provided to me by BBVA and ask for a reference number that they can recognize instead. 

Tried several times to contact the BBVA Client Solutions Department representative but has not received any response as of yet. It's been almost 3 months since the overpayment of my credit card and I have yet to receive my money back and that is why I'm filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a complaint to the bureaus they are in direct violation of 15 U.S. Code 1681 a no opt out was given by creditor prior to giving out my personal information this is in violation of FCRA and opt out under U.S.C 6801-6805. 15 U.S. Code 1681b - Permissible purposes which i did not consent to credit reports are supposed to be 100 % Accurate and not misleading to creditors under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation of the FCRA. 

ACCOUNT EFFECTED WITH DERAGTORY MARKS OR CHARGE OFFS. Below ON CONSUMER REPORT. 

XXXX XXXX/ Other Loan Past due : {$2100.00} XXXX Chargeoff XXXX XXXX XXXX XXXX  Past due : {$2000.00} ChargeOff XXXX XXXX  XXXX  Past XXXX : {$1300.00} ChargeOff ATTCHED IS IRS XXXX XXXX PG 2 UNDER INTRODUCTION STATES : Introduction This publication explains the federal tax treatment of canceled debts, foreclosures, repossessions, and abandonments. 
Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income.

Note. This publication generally refers to debt that is canceled, forgiven, or discharged.

for less than the full amount of the debt as canceled debt.

Charge offs are claimed as income for tax purposes and should not show up on credit reports.

15 U.S. Code 1681e - Compliance procedures ( 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.

By violating section 1681 b for permissible purpose and 1681 c for information contained in consumer reports they are also violating compliance procedures under this title.
Product: Debt collection

This is a complaint to follow up on cases- XXXX XXXX ; XXXX. 
These complaints above mention. There is a person that I have spotted 3 time. The person was taking photos of me at the gym. Trail me from the gym to my house. The person is white male, tall, with a beard. Yesterday he was driving a blue pick up truck. When I took a look at him he cover his face. The same person was again this time I was going to the park and the same person again this time he was driving a blue versa. Just now I was going to my a person with a same description was jogging around my house.

It since that this is a tactic used to intimidate me. I have file a police report. The police told me contact them a soon as you see him around my house.

I looks this is an intimidation tactics from Midland collection that are trying to collect money I dont owed. I am affraid for me and my wife. I filed a police report.

There was disputed with midland collection. They asked for a 60 days state. Maybe they wanted time to contact private. I hope CFPB to action in this matter I am affraid for me and
Product: Credit card

We have XXXX Capital One Credit cards. On the same day I made XXXX large payments approx XXXX XXXX dollars total. 
XXXX released the funds but Capital One has locked both cards for one week. I paid XXXX card off in full and I feel like I am being punished for doing so. Now we have no money for this entire week and they refuse to work with us. 
My bank assures me the money was released and the items were paid. 
The worker at Capital One was XXXX XXXX He claimed he was the manager of finance and there was no one above his head to speak to, there was no complaint form nothing that I could do until Friday one week after I paid.
Product: Bank account or service

Santander Bank charges a $ 5 monthly fee whenever the " value '' checking account average daily balance for the month drops below {$500.00}. That 's OK and clearly described in their terms. The problem is that they post the fee on the first day of the new period, the day after they send out the statement for the period for which the fee is levied. This means that their customers checking balance is {$5.00} less than the customers expect, and for those customers who live on the edge, might result in hefty overdraft charges. I believe that sticking those unfortunate customers with those onerous overdraft charges as a result of a month long delay in notification of a {$5.00} service fee is the exactly what the bank intended. 

There should be a requirement that requires banks to post any monthly service fees charges on the last day of the monthly statement period so that they are included in the monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my information to Experian XXXX and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.
Product: Mortgage

charging me a " modification fee '' of {$850.00} which was never included in any of the modification agreement paperwork that I have nor was it ever verbally explained to me. Now that they took my XXXX payment for this " fee '' they ( Mr. Copper XXXX said I never made a payment for XXXX. When I made my XXXX payment they said I owed XXXX and that I never made a XXXX payment. So I have attempted to resolve this matter with Mr. Cooper but have got 3 different answers and not resolved. I feel like that probably this so-called " fee '' should have been in my agreement paperwork or at least told verbally or even an email about this. If so I would have paid this " FEE '' in XXXX because I did not have a payment in XXXX. I made my 3 trial payments in XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) and then no payment due in XXXX Then my new payments of XXXX would begin in XXXX. I just want Mr. Cooper to acknowlege this error and please apply this XXXX to my XXXX payment and then my account will be up to date with the next payment due in XXXX like it should be. Thank you, XXXX XXXX ( XXXX )