23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021 a tree fell through my house a total loss. I have since decided to leave the house pay off the mortgage and donate the lot. On XX/XX/XXXX the insurance company mailed me the check for XXXX. I sent it and due to weather it did not make it to Carrington Mortgage in Texas until later XXXX. On the XXXX site it states the check made it on XX/XX/2021. On the Carrington mortgage website it states payment received of XXXX on XXXX XXXX. My payoff amount is XXXX. My file owner is XXXX who told me to expect my disbursement in 15 business days which puts them as currently late. They continue to call me asking me for payment on my late mortgage, and have reported me as late on all three credit reporting agencies. it shows on the website at Carrington mortgage as funds received but as XXXX credited for principal, interest, escrow or late fees. Every day I check and it never change it. I called my file owner yesterday she has not called back. I don't want to have to pay my mortgage I just want to close out this chapter of my life and move on. It is Carrington Mortgage and my loan number is XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal, Texas Laws, and Louisiana FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am writing to bring to your attention a concerning matter involving the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, I wish to highlight relevant provisions in the Texas Finance Code under Sections 392.301 and 392.305, as well as identity theft fraud laws, particularly Louisiana FCRA Identity Theft Fraud Laws. 

It has come to my unequivocal attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA, a federal law, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In conjunction with federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code provides clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Louisiana FCRA Identity Theft Fraud Laws, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws, including those outlined in Louisiana FCRA Identity Theft Fraud Laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft fraud laws in Louisiana. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal, Texas, and Louisiana laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. 

Transunion and XXXX XXXX / XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$250.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX / XXXX can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Checking or savings account

I decided to act upon the numerous offers for a {$600.00} bonus with a new checking & savings account on XX/XX/2019. I submitted the required information online via my existing Chase credit card ( s ) account and it was rejected. I went into the branch on XX/XX/2019 at XXXX XXXX XXXX XXXX, XXXX, GA XXXX and spoke with banker XXXX XXXX to understand why I could not start an account online. She advised that address verification was required, so I supplied my driver 's license and Chase credit cards for ID and she went to open a checkings & a savings account. I offered my code that I had in email, but she said she could just use the offer in her system. I inquired if I could transfer the money from my existing credit union account ( which has been on file with Chase for almost a decade for use with paying off the credit cards I have with them ) and XXXX advised to do two transfers to avoid fraud flags/holds, one for {$7000.00} and one for  {$8000.00}. I deposited {$25.00} in cash with a temporary card after making account elections with XXXX and went home. 

I attempted to initiate a pull for funds from my credit union account to Chase, but the account was not showing in the external account sources for the new checking & savings accounts, so I added it on XX/XX/2019 and saw the verification deposits from Chase appear on the credit union account on XX/XX/2019. I entered in the amounts and it was added as an external account in the Chase UI. I then initiated a test pull from this account to Chase in the Chase UI for {$2000.00}. I received a call from JP MORGAN CHASE XXXX at XXXX EST from a fraud agent regarding the transaction. She advised she would have to contact the credit union to verify funds before the transfer could complete. I inquired if this was going to be a constant problem as the hassle would not be worthwhile every time I needed to make a deposit to get to the {$15000.00} threshold for the offer. She advised it may not be a problem, but couldn't guarantee anything. 

The {$2000.00} pull from my credit union posted on XX/XX/2019. I called Chase at XXXX to speak with the Fraud department and identify what I needed to do to deposit another {$13000.00} into the savings account without wasting time with security problems sending money to a bank that was expecting it. The first agent I spoke with advised that any amount may be subject to a security audit, so I asked about canceling the account. I was transferred to another agent who said she needed to speak with someone in the Fraud group about the account as she couldn't cancel it with an open case on it. I was transferred back to the Fraud group and asked to verify my information. I requested a manager as I had already performed that task and was transferred to a senior agent. I asked again for a manager and was transferred to a team lead named XXXX (? ). I asked again for a manager and was transferred to a voice menu that stated my calls would no longer be accepted by Chase and gave an option ( 1 ) for leaving a voicemail.
Product: Money transfer, virtual currency, or money service

I submitted a complaint with the cfpb and Block , Inc and no action was taken to fix my issues. My account which was hacked in 2022 and fell into the time frame of of the class action lawsuits they are saying that my case is unrelated when In fact I'm accusing Block , Inc of all the same matters from the class action lawsuits. My cases is the same and Block , Inc has negligent let my money be stolen from my account in the amount of 6881 and refuse to refund me. I want to take legal actions against them a sue them again for their unfair practice. In this instance I'm asking that any and all accounts with my social security number be given access to me to recover. As well as in the account with XXXX XXXX I be refunded XXXX. Also I would like someone from the cfpb to contact me for mediation.
Product: Debt collection

Account name CREDIT ACCEPTANCE CORPORATION Account Number XXXX Account type Auto Loan Open Date XX/XX/XXXX Status Repossession. 
{$4.00}, XXXX past due as of XX/XX/XXXX. 

The original amount for the car how much Ive paid a {$2000.00} down payment on this car and {$1000.00} plus in monthly car payments They didnt adjust or factor in my down payment Instead they added debt intentionally disregarding the amount of my down payment within the cars total value and reported amount This car is a result of an write off on this companies taxes then a pay off from this companies insurance provider and the purchasing bid price from the auction Has paid for this vehicle there is no money owed I believe that Im the one who is owed a surplus for the debt and for the differences left on the car
Product: Mortgage

I submitted payment on my mortgage ~15 days prior to the mortgage being due ( payment made on the XXXX of the previous month for a mortgage due-date of the XXXX ) and Home Point Financial returned the payment on the XXXX then started stating my payments were late moving forward. The payment was processed and withdrawn by my bank then returned and Home Point is saying they did not receive the payment.
Product: Debt collection

I moved from XXXX to XXXX in XXXX in XXXX i received a bill. This is incorrect. It took them two years to process this and send me a bill all my mail was forward in XXXX.
Product: Debt collection

Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.
Product: Credit reporting or other personal consumer reports

As you can imagine, this is quite concerning. The information listed isnt accurate, and its important for me to have my report reflect the true picture of my creditworthiness. Im requesting that you review this error and take the necessary steps to correct it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

we have an account since XXXX with best buy, never being an issue.The account being in good standing since than and until XXXX ( 13 years ) XXXX find out : the account unexpected and suddenly was close by Best buy with no warning/notification or reason/ before closing an account in good standing since XXXX XXXX until XXXX XXXX XXXX XXXX find out in Best Buy store when trying to make a purchase & the system give errors.A store asociate call the main number Best Buy, that " the acount was close, suposely for " Inactivites ''. i said i dont understand never was late, nobody give anywarning that the acount will be close for " inactivites ''. Ask the store asociate to call back because maybe was a mistake, as I made a last purchase in XXXX. The second call to main Best Buy number phone operator say she can not see the reason why was close, to connect me to someone else. for unknow reason the phone was disconect ( me being in the Best BUy store talking from they phone line. Calling back ( 3time ) a person said that the acount was close for " sever delinquency '' from XXXX ''. i said the acount since XXXX never was a problem and is in good standing, evrything is payed, teling me to apply again and haresting me if i remember in the contact saying that Best Buy have the right to close the account if in XXXX showing up " serious delinquency '' i said no was any warning any notification of what you doing.i dont remember is long time ago, but to send me the contract where is saying this and the XXXX no have nothing to do with best buy acount in good standing.him refuse and told me to give me someone else over the phone. someone else saying the same asking to send the contract refuse, asking to restore the account refuse.Told him that i will make an complaint to XXXX and FTC, him don`t care.There was NOissues with the payments, the payment was law of XXXX $ XXXX, no was any financial treats to them, no legitimate reason to close the account after 13 years.I dont know what they doing when close the account, what lying they put on XXXX. don`t speak very well english. Best Buy perversely closing the acount without any legitimate reason, as the account was in good standing for 13 years, knowing that if i reapply again i will be rejected. they don`t have any legitimate reason to close and account in good standing, just because someone have a bad credit, creating more problem to this person credit score, by closing the acount. what i am disputing is the " unlawfully closing the account. ''
Product: Credit reporting

XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.
Product: Credit card

I am an XXXX XXXX member currently in XXXX  that was notified of an account opened under her name for XXXX  XXXX XXXX. I caught it pretty early seeing it was opened XX/XX/2022 and disputed it and claimed fraud alerts to the credit bureaus. I reached out to this bank itself and told them I had no idea about this bank, the credit card, let alone the amount which {$610.00} has been used on it. It was used to purchased items from a different location back in the XXXX XXXX I suppose, but again I live here in XXXX  at the moment. I sent pics of my Id, reported fraud to this bank, send in receipts, and any more paperwork they have asked for. After denying my claim numerous times I continue to call the identity theft number for their bank XXXX and the last thing I heard from them and also spoke with from this bank is im not sure what else you can do, it looks like its just going to get denied which is not fair. I have always had a good credit score. Up until this account opening my XXXX XXXX XXXX has gone down to XXXX and Ive been fighting this battle for over a year now. I Pay all my bills on time. I have never had any bad credit history up until now. The only reason I get told why it cant be taken off my report is cause it has my information and address from my home of residency, which I can repeat IS NOT ME as I am stationed in XXXX.
Product: Vehicle loan or lease

I have tried to request documents to validate the charges they are adding to loan. We had a forbearance on this account due to business being affected by XXXX. They have disregarded the forbearance we signed & agreed toXXXX XXXX XXXX ( Financial Pacific ) is adding fees from the forbearance period which should not be valid. I have requested the documents on this entire loan & they have refused to provide all items I am requesting. XXXX XXXX is requesting double the loan amount which is not what we signed & agreed to on the forbearance loan. They have also signed addendums we did not agree to, I have brought this to their attention & they refuse to provide financial statements or reports reflecting how they are coming up with double the amount of original loan. After almost XXXX years of paying on this loan they are requesting the full amount of original loan. We can not get any answers or transparency for any request I have asked all parties for documents pertaining to charges. XXXX XXXX XXXX XXXX XXXX refused to send my request. XXXX XXXX Has sent a demand letter for full amount of loan, the amount they are asking is XXXX when I was just told payoff was about XXXX. The loan was refinanced under a forbearance new terms & agreement of XXXX in XX/XX/2019 under a forbearance plan & now we are being told we need to pay XXXX asap. I have all communication in email to validate my statements. My records reflect we are XXXX payments behind due to an accident caused by another party, attorney provided the letter for their recordsXXXX XXXX XXXX did not believe unit was in accident & still pending litigation. We are under the repossession stage, loan has to be delinquent for more than 90 days which we are not, the payment attached is from my bank & reflects that. The last document ( Forbearance ) we signed is attached, they somehow came up with addendums after forbearance which we did not review or sign. This is not legal business transaction & we are not getting any answers from them just demands, we need assistance with this account! Thank You!