23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card was charged {$1000.00} by XXXX its a pool company by someone fraudulently using my debit card in XXXX, I contacted my bank, CHASE, as soon as I became aware of the transaction, they issued a temporary credit and began their investigation, What they found was evidence that my card was used and product was delivered to my address, If thats true, I never authorized payment of any type to XXXX pool company and I never received any products from XXXX pool company ... but some how my bank has left me responsible for this, I never misplaced my card or my checkbook, and I have no way of fighting the charges, my bank closed the investigation, and I have a charge of {$1000.00} is there anything I can do?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open 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. XXXXXXXX XXXX XXXXXXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

I fXXXX my XXXX back in XXXX of this year which resulted in me not being able to work. I called about possibly doing a forbearance and was never told since I was up to date on my payments that I wouldn't qualify, I had been holding off paying on my medical and other bills to save to pay my mortgage at that time. When the company sent me a letter stating I would not be able to get the forbearance due to the payments were up to date they advised my to try again and not pay my mortgage and pay on my other bills, so that's what I did I have sent in my paperwork several times due to they said there wasn't enough information and to follow up each week by calling them. I di everything they had asked however they kept saying they haven't ' received my paperwork, I faxed it I emailed it and was told they had it, up until last week when I called and was told the paperwork needed to be updated and changed. I did all the corrections they wanted and updated all the information they said they needed and sent it in last week, I was told to call this week and follow up and was told that they closed my case on the XXXX because I never sent the paperwork like they requested. The customer service representative said the paperwork was in on the XXXX and they were back logged she said she will send it to them with the date they received it and the date they got it, however they may not take it in to consideration I had beat the dead line they had set even though they never contacted my to let me know they needed more information or what I had to do. Now I am close to being foreclosed on especially if they don't grant me the forbearance. I also made a payment to extend the date, which they advised me to do which happened to be on the XXXX. They claim they want to help me but in no way are they trying to I have lived in my house for 26 years and have always been on time with my payments and since Carrington has been my mortgage holder for the past several years I haven't missed a payment or actually been late I have been paying it before it was due many of times, and this how I have been treated by them
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI, XXXX In accondance with the Fair Credt Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Accounts name : [ XXXX XXXX XXXX Account number XXXX & also XXXX XXXX XXXX Account number XXXX ] has violated my richts.

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Delete accounts Immediately from My report [ XXXX XXXX XXXX Account number XXXX ] from my credit report, Delete account [ XXXX XXXX XXXX Account number XXXX ] from my credit report, because of multiple violations of the fair credit reporting act.
Product: Debt collection

I am sending Nelnet Loan Services this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you.

Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

If any negative information is found on my credit file without this account being first validated, I will be forced to contact both the Federal Trade Commission and state agencies and PURSUE LITIGATION for violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. I WILL ALSO FILE SUIT FOR DEFAMATION OF CHARACTER.

Once you have provided me with the above referenced information, I will need at least 30 days to investigate the information you provide. During this time, you MUST CEASE AND DESIST from all collection activities.

If you do not respond within 30 days, the above referenced account must be deleted from my credit files. Please send me evidence of this deletion.

Further, please accept this letter as constructive notice that all future correspondence be handled in writing. All telephone communication must cease immediately, including automated phone calls and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sent certified letter # XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good day. On XX/XX/2021 I received a communication [ NOTICE OF SERVINGS TRANSFER ] from LOANCARE. I followed the instructions and tried to make my mortgage payment too XXXX XXXX via the website but to know avail. On XX/XX/XXXX I sent a RESPA REQUEST AND REQUEST FOR VERIFICATION OF DEBT VIA certified Mail receipt. As of this day I have not received a response back. I continue to receive threatening calls from XXXX XXXX  REQUESTING FOR PAYMENT WITHOUT SENDING ME A HELLO LETTER IN VIOLATIONS OF XXXX XXXX XXXX  transfers. I CONTINUE TO CONTACT LOANCARE and they continue to give me the run around. They will not respond back to my certified mail request for validation and verification. Now LOANCARE and XXXX XXXX is demanding for payment.
Product: Checking or savings account

XXXX, XXXX, as the apparent sponsor bank for NetSpend 's prepaid card, is violating at least XXXX laws with a piece of marketing that they are sending unsolicited. XXXX, and it's client NetSpend, are openly violating : XXXX ) the XXXX and XXXX XXXX, specifically section XXXX ; XXXX ) the FDIC 's Part XXXX requirements on advertisement disclosures, and XXXX ) XXXX. 
XXXX ) XXXX  XXXX requires that banks follow certain rules when sending an access device ( i.e. a prepaid card or debit card ) to a customer or potential customer. In this case, the letter with attached debit card was not solicited ( so it did not satisfy XXXX ( a ) ). This unsolicited access device did not satisfy all of the requirements of XXXX ( b ). Most specifically, the advertisement violates XXXX ( b ) ( XXXX ) and ( XXXX ), as the ad, at the very least, does not tell me what to do if the device is not validated, nor does it come with any XXXX disclosures. 
XXXX ) The FDIC 's XXXX XXXX advertising requirements have provisions that require banks to tell you if a deposit product is insured or uninsured ( in essence ). This ad, plus the tiny disclosures on the bank, hint at deposit insurance - but if this is a true prepaid card, XXXX XXXX XXXX XXXX requires many more disclosures for pass-through coverage. These disclosures are not present here. 
XXXX ) XXXX. While XXXX is a relatively subjective standard that is overseen by the CFPB this advertisement is textbook deceptive. The mailing makes it appear that the account has already been opened. It contains minimal disclosures that tell me nothing about the product or process, and it has made more than just me ( in looking at the CFPB complaint database ) think that an account has been opened without their consent when ( most likely ) the account is not open yet. But this is a blatant example of deception that is prohibited by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.
Product: Debt collection

This company was issued a complaint under Case No. XXXX. Unfortunately, it has now resulted to violating the Fair Debt Collection Protection Act and I request the CFPB launch an investigation on my behalf. 

I believe LVNV Funding, dba XXXX XXXXXXXX XXXX, has violated my rights pursuant to the FCRA. On XX/XX/XXXX, I sent the company a debt validation letter in the mail via USPS. I was responding to the companys hired debt collector, Resurgent Capital Services, request that I make a payment in its letter sent to me in XX/XX/XXXX. I disputed the amount of the payment and requested the debt collector validate the debt. I did not receive a response from Resurgent Capital Services. Instead, I received a letter in the mail from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. The letter from XXXX XXXX was confusing because it failed to address if it was now the new debt collector and Resurgent was not. 

In early XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that I had a collection account placed on my credit profile. It appears that in order to circumvent its obligations under the FCRA, LVNV Funding hired a new debt collector after it received my debt validation letter and the new company XXXX XXXX XXXX XXXX ), immediately placed a collection account under my credit profile. It also appears to misrepresent the date the account was opened. The company reports that the account was opened in XX/XX/XXXX, but it was opened in XX/XX/XXXX and closed shortly afterwards due to never receiving a card in the mail after multiple requests for one. I would like to sue this company for violating my rights pursuant to the FCRA.
Product: Checking or savings account

On XX/XX/XXXX ( XXXX, XXXX XXXX ) I attempted to withdrawal cash from an ATM in the lobby of the XXXX XXXX XXXX XXXX. My husband and I were stranded in XXXX due to the snowstorm and airport closure ( XXXX ). The transaction appeared to be going through where I requested XXXX Euros. At the point where it should have spit out my money, it did not and instead the screen displayed a Temporarily Out of Service message. It never provided me a receipt. I have never had this happen to me before as in the past if a machine didnt have money to process the transaction, it would at least provide me with a cancellation receipt. Since this was odd to me I took a photo, which I have shared with Wells Fargo to no avail. 
I checked my account from XXXX to ensure that the transaction never posted. Initially it showed as pending but never hit my account so I assumed all was well. Once back in the XXXX, I noticed that on XX/XX/XXXX the transaction for {$250.00} USD hit my account. I contacted Wells Fargo to dispute this charge and the rep that I spoke to mentioned she would put in a claim. She mentioned that she saw the transaction cancelled so she could not explain why I was charged for it, 15 day later. I told the rep that I had a photo showing the ATM malfunction and she said that she didnt need it because the investigators would pull the recording on the ATM. 
I then received a letter from Wells Fargo on XX/XX/XXXX, indicating that they had completed the investigation and there was no error and that my account was charged correctly. This is not correct as I never received money from that ATM transaction. I contacted the number on that letter on XX/XX/XXXX. I explained the situation to the representative and asked what investigation, if anything the representative on my claim did. I mentioned that when I initially filed the claim, I was told that they would pull the recording tape on the ATM and it appears this was never done as you would see that the machine never gave me my withdrawal. I also mentioned to the rep that I had a photo of the ATM malfunction but was told by the prior rep that they didnt need that. This time I was asked to send the photo to XXXX. Lastly, the rep said she was forwarding my compliant to the corporate offices and that I should email the photo of the ATM which I did on XX/XX/XXXX ( see attached email ). 
On XX/XX/XXXX, I sent a follow up email as I had not heard any response. Its now more than a month later and I have heard nothing from Wells Fargo. This is pathetic customer service for a customer who has taken money out all over the world and never had an issue. I am looking for Wells Fargo to do their due diligence and actually investigate my claim which will ultimately result in proving I didn't receive the money from the ATM and I would like my account to be credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This reconsideration is because the following months should have been part of a buy-back when my loans were serviced with XX/XX/XXXX I worked with XXXX XXXX XXXX member XXXX ( XXXX ) on XX/XX/XXXX of XXXX who told me she was surprised it wasn't included. On XX/XX/XXXX, I spoke with a XXXX ( XXXX ) who also indicated the buy back got me some months, but not all, when XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all should have counted. XX/XX/XXXX XXXX ( XXXX ) indicated that everything is backed up, wait until XXXX. Someone else said wait until XXXX. XX/XX/XXXX, XXXX ( XXXX ) assured me these would be updated before transfer to XXXX. Complaint filed Fall XXXX to Ombudsman and CFPB. All I got was that these were " general forbearances. '' No acknowledgement that myfed was supposed to process these as " economic hardship '' and no acknowledgement that these were part of a botched buyback.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX needs to remove the late payment off my account. I upheld the agreement to pay and paid it off early. However a lady named XXXX XXXX was horrible and rude. She was determined to ruin my credit. My entire life Ive paid everything on time. My credit report is perfect everywhere else. Now Im trying to get a home and this is significantly affecting me while XXXX XXXX doesnt care to read any of her emails. Its painful. I need it removed from my credit report. I have proof too. Emails sent to the XXXX office. I cant upload here but contact me and Ill give you all of the back and forth emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get XXXX to investigate several incorrect items on my credit profile. Each time I submit letters, I receive correspondence back from XXXX stating they applaud my efforts in trying to repair my credit, but they have failed to send me proper investigation results. I have several accounts reporting as open on XXXX. Experian is reporting several collection accounts with past due balances. I have written letters to both bureaus with hopes of proper investigations being completed. Both bureaus continuously violate my consumer rights by reporting incorrect information. According to the FCRA I am entitled to a correct and accurate consumer report. Experian reports that they have completed a proper investigation, but how is that accurate or a true if account XXXX XXXX XXXX shows a past due balance and the status date is inaccurate. These are all grounds for a removal. Account # XXXX XXXX and XXXX shows a past due balance as well as an inaccurate status date. Also XXXX XXXX XXXX, Account # XXXX shows an incorrect status date and also a pass due balance. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes. 
They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) If items are found inaccurate or can not be properly verified, the Consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Account # / Reference # XXXX