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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Collection {$1900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$960.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Collection {$2100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX  XXXX Collection {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Collection {$720.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Charge-off {$680.00} XXXX XXXX  XXXX Charge-off {$840.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$16.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Mortgage

I have been slightly overpaying on my SLS mortgage ( just a few dollars a month ) since it was sold from XXXX to SLS. For quite sometime SLS could not give me access to my account online ( I filed an official complaint with them last month, to which they finally " fixed it '' ). But now when I can see my transaction history, instead of crediting my " extra principal '' to pay down my loan, they have been allocating these extra payments to " late fee '' -- not at all reducing my principal. I am sending them a complaint as well, but they are horribly non-responsive and I believe this could be a systemic issue given it appears to be done automatically all the time.
Product: Credit reporting

I disputed the tax lien from XXXX office in the state XXXX to credit reporting agencies. It was filed in error. It was for unpaid taxes for the year of XXXX. I do not owe any taxes to the state XXXX because I am not a legal resident XXXX. I am XXXX military and a legal resident XXXX, which is who I pay my taxes to. It was because of me having an XXXX address that had triggered that. I submitted all supporting documentation and it still was not deleted. I received the copy of my credit report from Transunion on XXXX XXXX XXXX that was generated on XXXX XXXX XXXX. It has been removed from my XXXX report and I am still awaiting an answer from XXXX. Please remove this from my report.
Product: Mortgage

My hands are tied.. as we went through the whole process I was told this phrase several times. We had finally made it to the top of a 40+ wait list at the end of XXXX. But where the story really starts, we were just out driving as a family and thought we would check it out XXXX XXXX. We Loved our first experience. We told our relator and she was so excited for us. Well when we show up to look at lots with XXXX he pulled me aside and said we could have a relator because when we got on the list they were not there with us. We fought this the best we could but with no luck. That was in XXXX. 

Then we finally move on without our relator. We loved checking on the house and seeing the process. As the time goes we are left in the dark no updates or help through the process. So we reach out to our cousin to start the loan process this was in XXXX. We really get rolling around the end of XXXX or early XXXX because the house was due to close XX/XX/XXXX. 

Our plan was to see what offer between our cousin and XXXX was better. Well in XXXX when our other Morgage company reached out to XXXX they would not work with them. Because in the contract we had to disclose this 30 days prior to our close date and we were a few days maybe a week short of that. So they threatened to cancel the contract if we did not move forward with XXXX XXXX. So to keep our house price we moved forward because cost have only gone up since XX/XX/2021. 

Now XXXX XXXX did not explain any of the process they would just send task in the portal. We went though XXXX different points of contact and have to start that process over again because things were missed by the previous person. 

Our close date was moved from XX/XX/XXXX to XX/XX/XXXX with less than weeks notice and we heard about it first from our insurance company. Who had to fight to work with XXXX. Then our sales guy told us it was the XXXX so I move everything around to plan on that date. Then in a few days it moves back to the XXXX. Then on the XXXX our XXXX lady calls and says we wont make the XXXX due to underwriting. 

So I get them letters explaining my job and pay. My work has used this same email to get many other guys into homes and it was denied on the XXXX. Then I talk with XXXX on the XXXX and he tells me our contract was canceled because we dont have funding and its the day of closing. 

He then tells me his hands are tied and there is nothing he can do. But he adds they will sell it for $ XXXX more. We had a family member offer to pay cash and they would not even except that. 

Then XXXX XXXX would not give us the opportunity to apply for any other loan.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by XXXX, Equifax, and XXXX. For the past six months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went into XXXX XXXX in XXXX MD area to look at living room furniture. Out of more than 6 sets, NOTHING was available for up to eight weeks ( for delivery ), so I chose to look somewhere else. Meanwhile, the sales person advised me to put the set that I liked on an invoice. I was allowed to put a down payment on it ( so they can hold it ), but informed them I would return the following day to make a final decision. I ended up going to one of their other stores, down the street and purchased furniture there, because it had same-day pickup. On the very next day, XX/XX/XXXX, I returned to XXXX and asked for a full refund of my deposit and the cancellation of the invoice ( that was supposed to be on hold ). They refunded me the down payment and told me the invoice had been cancelled. However, when I got my credit card statement, XXXX had charged me for the furniture that I actually purchased ( and took home, plus they had charged me an additional {$1600.00} ( the amount that was supposed to be refunded on XX/XX/XXXX ). Instead of fully canceling the invoice, they submitted it to the finance company, three days after telling me they had canceled the order. Now, they are telling me, it will be XX/XX/XXXX before they can clear up this error. My credit report is also indicating that I have an extra {$1600.00} of used credit. This makes NO sense that it is taking this long to clear up a matter that was totally preventable. I was advised two weeks ago that XXXX would credit me the money. The following week, when I went to check the status, it had not been done. So a second person assured me they would remove the {$1600.00} error from my account, but it will take up to 60 days. This is ridiculous! I want the error removed from my account as soon as humanly possible. XXXX has very poor customer service in the Dispute Resolution Department. It is impossible to speak to a supervisor. The young guy at the front desk in the XXXX location kept telling me I should not have bought the furniture from the other location, because they could have gotten me a cheaper price. This made no sense, because he had no idea what I had purchased, now what I had paid ( at the other store ). Furthermore, he was the very person who " supposedly '' issued my refund, which he couldn't even do correctly. Instead, three days later, XXXX submitted the canceled invoice to the finance company and it appeared on my bill. I would like to think they are not in the habit of fraudulently submitting bills to the finance company, but I can't even be sure this whole thing was not intentional. I just want it cleared up, sooner than XX/XX/XXXX, since it is 100 % XXXX 's ERROR!
Product: Checking or savings account

To Whom It May Concern, I am writing to formally request a thorough review and reconsideration of a fraud claim associated with unauthorized withdrawals from my accounts, following the loss of my personal belongings.

Incident Summary : On an unspecified date prior to XX/XX/2024, I lost my bag containing my phone, debit card, and wallet. Subsequently, multiple unauthorized withdrawals were made from my accounts. The thief accessed my debit card PIN and other sensitive information noted in my phone, which I do not secure with a password due to my long-term memory loss issues. 

Timeline of Events : XX/XX/2024 : Noticed unauthorized ATM withdrawal and immediately filed a fraud claim with Chase Bank. Chase temporarily credited the disputed amount. 
XX/XX/2024 : Following Chase 's instructions, I filed a police report to support my fraud claim, leading to another temporary credit issuance by Chase. 
XX/XX/2024 : Spoke with a supervisor who advised me not to contact Chase further about the claim. 
Concerns : Chase Bank reversed the initial credit, deeming the withdrawal authorized based on their inability to conclusively prove fraud. They have labeled my actions as " negligent '' due to unsecured passwords. However, I contend that the withdrawals were fraudulent and I was not responsible for them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and secure passwords traditionally, which should be considered in the evaluation of my case. 

Request : I request that my case be re-evaluated with consideration given to my specific circumstances relating to my mental health challenges. I believe the decision to hold me liable under these conditions is unfair, and not in line with compassionate customer service practices. 

I look forward to your prompt response and a resolution that considers the unique difficulties posed by my health condition. Please let me know if further documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, without any authorization, are hurting me DISCOVER Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to not only dispute inaccuracies listed on my credit report but also to question the validity of the reported debt claims. I am concerned that these discrepancies and the uncertain legitimacy of the debt claims could significantly impact my financial reputation and creditworthiness. My credit report lists the original lender as XXXX with XXXX and Experian but XXXX XXXX with XXXX. 

Discrepancies and Validation Request : Original Lender Name Inconsistency : Issue : Varied reporting of the lender 's name across credit bureaus. 
XXXX Requested : Uniform correction of the lender 's name. 
XXXX XXXX Variability : Issue : Inconsistent reporting of the collection agencys name. 
XXXX Requested : XXXX and correction of the agency name. 
Status Descriptions Variability : Issue : Disparate descriptions of the debt status. 
XXXX Requested : Standardization of the status description across all reports. 
Validation of Debt Claim : Concern : The legitimacy of the debt itself is unclear to me, and I do not recall any transaction that could have led to the reported claim. 
XXXX Requested : I formally request that you provide comprehensive documentation validating the debt, including the original contract or agreement I allegedly signed, a detailed account statement showing the derivation of the balance claimed, and proof of your legal right to collect this debt. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request a thorough investigation into the aforementioned inaccuracies and a detailed validation of the debt within the legally mandated XXXX period. Should these investigations determine that the information is inaccurate or the debt can not be validated, I expect the immediate correction or deletion of this entry from my credit file. 

I appreciate your prompt attention to this matter and look forward to your written response confirming the actions taken on these issues. 

Thank you for your cooperation. 

Sincerely,
Product: Student loan

As part of the the XXXX | XXXX administration forgiveness program, I called MOHELA on XX/XX/XXXX to receive a refund for all payments I made during the COVID payment pause. The transaction was simple enough and I was told to expect the refund within 30 days in the same manner I made payment ( electronically ). On or around XX/XX/XXXX, I called for a status of my refund and was told that it was processed and again would take 30 days to receive from the initial request. After still no updates to my MOHELA or Student Aid account, I called MOHELA for a third time on or around XX/XX/XXXX. After a XXXX wait to connect with customer service, I was told that it was processed, but now it was going to take XXXX days from my initial request. 

I'm getting updates from others whose loans are serviced by other servicers like XXXX XXXX and XXXX, who made their requests around the same time or after I did, who have already started receiving their refunds back. I need to get this issue resolved so that my account will properly reflect the correct balance when I am finally able to apply for forgiveness. There doesn't seem like there should have been any reason to get my refund to me when I made the request so early on in the process. I appreciate any assistance that can be provided by CFPB or MOHELA.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY REVIEWED MY XXXX, TRANS UNION AND XXXX CONSUMER REPORT AND SEE THERE ARE UNAUTHORIZED INQUIRIE I DID NOT INITIATE NOR DID I BENEFIT FROM ANY OF THEM THE INQUIRIES LISTED ON THE REPORTS ARE FRAUDULENT THE INQUIRIES ARE 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
Product: Debt collection

The company has called my job several times leaving voicemails on a shared voicemail that several of my coworkers and supervisors have access to. in at least once they mention my past due account
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX there were a total of 5 charges from XXXX XXXX XXXX XXXX Bank of America Credit card totalling {$340.00}. I went to the bank in person on XX/XX/XXXX to report the fraud, the branch associate and I spoke to the fraud department by phone and I was advised to begin a fraud claim using my banking app ( I did that while I was at the bank ). the charges were reversed initially, my card was cancelled and a new card issued. Then, On XX/XX/XXXX and XX/XX/XXXX on my replacement card, there were 4 more XXXX Trips charges totalling {$300.00}. I called to report this continued fraud, and BOA added a freeze for any future XXXX Trips charges, and these fraudulent charges were reversed. In the meantime, Bank of America ADDED BACK the XX/XX/XXXX and XX/XX/XXXX uber trips charges onto my credit card stating that the charges were reasonable and consistent with my use of XXXX Trips and my credit card. 

I filed a written appeal to be sure that all charges are removed from my card ( the XXXX charges and XXXX charges )- I sent proof of my whereabouts thanks to my state farm safe driver app - showing that I was driving myself around on the days in question - NOT using XXXX. I provided my XXXX trip history dating XX/XX/XXXX - present, which shows an average monthly use of about {$5.00}. Additionally, I have not even used XXXX since XX/XX/XXXX and none of the charges in question appear on my XXXX history. 

Upon their review, Bank of America NOW states that " while you personally didn't make the charges, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. NO ONE uses my card, except for me, and NO ONE has permission to or is authorized to use my card except for me. They consider the case closed and say I have to pay the XXXX charges in full plus interest and or penalties if the account is not kept current ( I keep my account current ). the XXXX charges are still under review. I want to be sure they are considered in the request for assistance as well, as I fear the same outcome on that claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXXXXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX. As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting or other personal consumer reports

I will not allow you guys to tell me these inquiries will not be removed until XXXX years later. I am demanding removal NOW, i have never gave any lender the opporunity or permission to access my report. I am a XXXX XXXX XXXX XXXX and this is extremely unfair to be in XXXX XXXXXXXX and work XXXX as well then have to look at my credit score being low because i have XXXX inquires from places i never gave consent to authorized my report.
Product: Checking or savings account

Pay Pal states there is a restriction on my account but has made no effort to help me reestablish this account. This is how swagbucks would pay me money on my surveys is through paypayl. I have not violated any of paypals privacy acts. I emailed the resolution center and got access to my account. 

Your account access is limited To view and resolve the limitations that have been applied on your account, you can visit the account limitations page. 

You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


Reference ID : XXXX There has been no reason for this and I need help opening my account as there is a linked account and a deposit was made. I have a email stating account verified and ready for use. Please help me.