23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.
Product: Credit reporting or other personal consumer reports

My personal information was apart of multiple data breaches and there are items on my report that I didnt not authorize and I did not consent to. Ive reached out via phone calls to Equifax, Transunion and experian to get these resolved and to provide documentation to validate these items as well as disputed multiple times and I havent received any documentations. According to FCRA 15 U.S.C 1681 my consumer privacy rights have been violated and my credit report is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Chase Credit Card Services reported my account as 30 days late in which my payments are not scheduled to be paid until the XXXX of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installments. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. CXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting

This account has been disputed previously in regards to the Account Type ( charge card ). It not has a status of Paid - when it should be PAID and Closed. 

XXXX - XXXX XXXX. 

Please update the status to reflect its true closure, and where TU has added PAY HISTORY through to today -correct the same.
Product: Credit reporting or other personal consumer reports

Transunion is at it again! They are violating the FCRA. How can they say that an account is " verified as accurate '' when other agencies such as XXXX and XXXX can not verify the item and remove it from the report? The accounts that Transunion is saying is accurate are the following ; XXXX XXXX  [ Account # XXXX ], XXXX XXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX [ Account # XXXX ]. 

Please see attached exhibits as Transunion currently violating the procedures and requirements of the Fair Credit Reporting Act
Product: Mortgage

Dear Sir or Ma'am : Good afternoon. I have two problems to sort out with my mortgage company and/or Loan Servicer. My loan is owned by XXXX XXXX, but is serviced by LoanCare , LLC.

Problem 1 : I submit biweekly loan payments which are above and beyond my required monthly mortgage payment. These payments are to be applied against the loan principal and have not been since XX/XX/2018. I have copies of the LoanCare LLC transaction history showing that they received these payments, but have not appropriately credited them to my loan principal. I sent an inquiry via the Contact Us secure web form on XXXX on XX/XX/2018 to follow-up on this issue and to ask that the appropriate retroactive payments and interest reductions be applied. I have not yet heard back from XXXX on this issue. I realize they have a reply window of time. I am escalating this through CFPB for need to track issues as well as the fact that there is a second problem which may negatively affect this first issue.

Problem 2 : On XX/XX/2018, I received a letter from XXXX stating that my Loan Servicer was changing on XX/XX/2018 to : XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, CA. A second letter, which was dated XX/XX/2018 arrived to note that my mortgage loan was resold and the new owner is XXXX XXXX XXXX XXXX XXXX. This second letter contradicted the first letter by stating that my mortgage serving will remain with XXXX. I sent an inquiry, also by way of the secure Contact Us web form on XXXX today, XX/XX/2018.

I no longer know who services my mortgage, where to send payments, whether my account number has changed, etc.

I also do not know what recourse I have in that I DO NOT wish my loan to be transferred to another loan servicer until the biweekly principal payments from XX/XX/2018 through current have been properly credited against my loan, and any appropriate loan adjustments ( Such as remaining principal, interest calculations, etc. ) have been accurately recalculated and applied. If the first issue is not resolved prior to the transfer, the wrong principal balance, interest, and inaccurate transaction history may be transferred to any new servicer. Please could you advise what steps I can take to resolve all issues?

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

I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to Experian, XXXX, and XXXX regarding this matter. 

I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 

Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter.

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States District Court. 

Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 

I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect information on my consumer report. They are reporting a bankruptcy that they can not verify as accurate. XXXX deleted this same bankruptcy stating it was unverifiable so Transunion needs to provide the source of their investigation. I will give you 7 days to turn over the records used during your investigation before filing a lawsuit. You are required by law to provide this information.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Debt collection

Solar panels were installed without a permit. Solar panels have not been in use since installation for XXXX years. Solar panel company provided false information on the progress of our solar installation and had us sign up with Good Leap loan before extension expired. My wife and i were scammed into believing the progress and approval for our solar was going as planned. I have made a report with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX against XXXX XXXX and have proven XXXX or more possible violations of the California Business and Professions Code. 
XXXX XXXX : XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX : XXXX XXXX XXXX are using a third party Glasser and Glasser PLC to garnish my wages for the second time in two years for a debt that is not mine. The address for this debt was supposedly XXXX XXXX XXXX Florida. I have never in my life lived in Florida. I sent Glasser and Glasser a debt validation letter and received no response. My lawyer sent Glasser and Glasser a letter last week and still no response. This debt is supposedly from XXXX. I have lived in Virginia since I was three years old and have never lived out of the state of Virginia. I have not been sent anything ever. I have never received any billing statements, no letters, no nothing from XXXX XXXX XXXX or XXXX XXXX  XXXX. I have even had my bank check back and send me all of my activities from XXXX and nothing shows up. I have never had a credit card with this company. I believe it was a fraudulent account made. I have notified the credit bureaus and let them know that there was a fraudulent address on my credit. XXXX XXXX XXXX nor XXXX XXXX XXXX show up on my credit report ever. As of right now they have taken over {$500.00} from my wages and I am now on the verge of losing my car and my home because of this. I have yet to receive any proof from either company about this account being mine because, I know it isnt mine. I never received any correspondence before the garnishment summons came a year ago and the one they just started. I never received a letter saying to call, no phone calls no nothing. The garnishment summons was mailed to me at my home and then a week later served to my home. I have asked for billing statements, original copies of said debt, all that stuff with no response from either company.
Product: Checking or savings account

I purchased an item from a internet based company. I was contacted by the company and told that they did not have the item they sold me and had issued an refund for {$420.00}. I did not receive the refund. I contacted Chase Bank and explained the problem. I was issued a provisional credit that was then revoked 30 days later. Chase says that the merchant told them I cancelled the order too late and was not entitled to a refund. I explained to Chase again that the company cancelled the order and issued a refund with out me even asking them to. The reason for not returning my money was inaccurate. I have since then gone to Chase Bank in person twice to have them fax in proof of the companys emailed response and refund. Chase keeps telling me they don't have the information the bank branches are faxing to them and has repeatedly denied my claim. So far the company has never refunded my money, not sent me a product and continues to lie about the transaction and Chase is doing nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( 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 which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sentout3certifiedletterwithTransunion..XX/XX/XXXX,XX/XX/XXXX,andXX/XX/XXXXThisisgettingridiculouswiththecreditunionreportingXXXX.XXXXXXXXXXXXXXXXXXXXXXXX,VAXXXXTransUnionConsumerSolutionsXXXX.XXXXXXXXXXXX,PAXXXXDearCreditBureau,ImexercisingmyrightundertheFairCreditReportingAct,Section609,torequestfurtherinformationaboutitemsonmycreditreport.

LISTACCOUNTNAMESANDACCOUNTNUMBERS1.XXXXXXXXXXXX-XXXXLoan-Negative2.XXXX/XXXXXXXXRevolvingNegative3.XXXX/XXXXXXXXRevolvingNegativeInquirythatareNOTvalid1.XXXXXXXXXXXX-XX/XX/XXXX2.XXXXXXXXXXXXXX/XX/XXXXXXXX.XXXXXXXX-XX/XX/XXXX4.XXXXXXXX-XX/XX/XXXXIwishtoseetheoriginalsourcesoftheinformationreportedincluding,butnotlimitedto,theoriginalcontractorserviceagreementwithmysignature.Ifyoucantprovidemewiththisinformationwithin30-45days,pleaseremovetheaccountsimmediatelyasneitheryouragencynorIcanverifythattheyarereportedaccurately.

Sincerely,XXXXXXXXXXXXXXXXXXXXXXXXXXXX,VAXXXXSSNXXXXDOBXX/XX/XXXX
Product: Debt collection

On XX/XX/2022 we settled XXXX XXXX 's Chase account ending in XXXX for {$1700.00}. 

We sent the total amount due as follows : The payments were sent to : {$150.00} - XX/XX/2022 CHASE CHASE XXXX XXXX XXXX XXXX NC XXXX {$1600.00} - XX/XX/2022 Chase Card Services Chase Bank XXXX XXXX XXXX XXXX XXXX DE XXXX The payment of {$1600.00} was sent, delivered AND cashed. We have tracking number and proof it had been cashed. However, Chase bank has remained firm in their position that " they never received or cashed that payment ''. We tried to fix this by reversing that payment and resending it, Unfortunately, the payments can't be reversed since they are checks that have already been cashed.
Product: Credit reporting 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : WXXXX XXXXccount Name : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit card

American Express Failed to open my credit card application. I have come to the conclusion to report via XXXX Since I XXXX  with this company. Further more I am the XXXX owner of this account so I will report them to the IRS to audit my application in which I know they have stolen from me which is securities fraud forcing me to also make a report to the FBI and SEC.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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