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

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party XXXX XXXX XXXXXXXX XXXX and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates XXXX XXXX XXXX claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. XXXX XXXX XXXX to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXXXXXX XXXX XXXX  failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXXXXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the UCC XXXX as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXXXXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed.This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 
I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to set up my automatic monthly payment from my checking account to pay more than the minimum payment due with my Discover card. 
I have been trying on their website, and by telephone. It will only pay the minimum. If I try to modify the payment amount I get a " this page is unavailable '' webpage. I have not tried paying by mail yet. My most recent attempts by phone and on the website were on XX/XX/2020. The lady at the website could not alter the payment amount either. I will file this complaint, and perhaps also try a different web browser. I usually only use XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has removed me as the co-signer for these loans. Which was granted in XXXX of XXXX due a permanent XXXX. 

The loan 60 days passed due and is now in default. This information has been sent to all 3 credit bureaus resulting in a lower credit score. 

I have called XXXX at least 3 times, as well as disputing this issue via the credit Bureaus, with no results. 

XXXX student loan is also affiliated with XXXX This issue needs to be addressed and corrected with all XXXX credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$700.00} ), XXXX XXXX XXXX BANK ( Date Opened XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX BANK ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$670.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX   XXXX ,  XXXX . of  XXXX   XXXX   XXXX   XXXX   XXXX  handled the foreclosure matter on our home. We sold our home on   XX/XX/XXXX    , 2 months before the scheduled sheriff sale date of   XX/XX/XXXX    , and  XXXX   XXXX  asked for and received the sellers disclosure on   XX/XX/XXXX    . We also signed a confidential settlement agreement that  XXXX   XXXX  prepared. However,  XXXX   XXXX  refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to  XXXX   XXXX  to cancel the sale.  XXXX   XXXX  still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get  XXXX   XXXX  to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them.  XXXX   XXXX  's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB.  XXXX   XXXX   XXXX   XXXX   XXXX  is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.
Product: Credit reporting or other personal consumer reports

Sure! Heres a more general template for a credit dispute letter. You can customize it based on the specific details of your case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute an entry on my credit report. Upon reviewing my recent credit report, I noticed an error regarding the accounts listed. I believe this information is incorrect and should be disputed because of the ongoing investigation with certain subsidiaries. 

I kindly request that you investigate this matter and update my credit report to reflect the correct information. 

Please confirm receipt of this dispute and notify me of the results once the investigation is complete. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I tried accessing my Chime Account and it didnt allow me access stating my login info wasnt correct, I then emailed them I was having trouble accessing the account they then replied my account was suspended due to them needing information about where my funds come from that were deposited into my chime from my ( XXXX XXXX, XXXX, and XXXX XXXX  ) they stated I needed to provide My ( ID, Explanation, Documentation ) of the transactions from these other platforms, I then called to speak with a representative to confirm this is what was needed and they stated they didnt have a call line to speak with fraud department and could only speak with them via email, I then complied and did so via email as I was instructed to do so the rep assured me this would resolve the issue which it didnt and they sent another email stating I now needed to send them these documents ( Picture of myself holding my ID Card, Social Security Card, and Statements from ( XXXX XXXX, XXXX, and XXXX XXXX  ). I then reached back out to them asking my this information wasnt disclosed in the email in the 1st place they then told me they couldnt release my account or funds until I did so or my funds would continue to be held my them until I provided those documents and personal information.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XX/XX/year> Lead Bank Dear XXXX XXXX XXXX : Account Number XXXX I am writing to dispute the collection accounts referenced above. These debts were sold and charged off after repossession, and I have not received a 1099-C form for the charge-offs. I do not recognize or owe these debts, and the past due amounts and credit limits reported contain inaccuracies. Additionally, the original creditor is listed as Lead Bank, and it is reported as paid off 100 %. Therefore, I do not understand why this account remains on my credit report.

Please provide verification of these debts as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ). Specifically, I am requesting : Documentation proving I am legally obligated to pay these debts The name of the original creditors The amount of the debts If you can not provide proper verification, you are required to cease all collection activities. Failure to comply may result in legal action for violation of the FDCPA.

I request that you respond to this dispute in writing within 30 days of receiving this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ca n't add XXXX to account online at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit reports, it has been well over 30 days and I haven't received any investigation results.
Product: Checking or savings account

On XX/XX/2021 I received a fraud alert via text from Chase Bank asking to verify if I was attempting to make a large ATM withdrawal. I immediately responded NO. They in turn immediately replied that my card was being cancelled and a new one would be sent. 

Over the next hour I saw {$5900.00} worth of charges appear on my mobile app. The charges were for cash from 2 seperate Chase banks and 2 separate XXXX, plus gas at a XXXX. I immediately went to the nearest Chase Bank and had a manager call the bank 's security office. I was informed the card in question was not cancelled, but in fact they inadvertently cancelled the new replacement card in error. It was only then that my card was actually cancelled. 

I filed a police report with the XXXX XXXX, Florida XXXX and submitted a claim. Chase refunded the {$30.00} gas purchase but denied one claim ( XXXX ) and are still looking into the other ( Chase ATMs ). 

I learned from the Chase ID Theft Department on XX/XX/2021 that someone pretending to be me called the bank on the phone on XX/XX/2021 and requested and was issued a replacement card with the same card number as mine. They did little to verify the authenticity of the caller. They did not send a security code to my cell for verification which is the normal practice for verifying a request such as this. Furthermore, when they mailed the card out I wasn't notified via email or text that a new card was requested and sent out which again is a standard security practice. 

The amount of cash withdrawn exceeded the cards daily threshold which the bank can not explain. There were three separate claims submitted, one for the 2 Chase ATMs, one for the 2 XXXX Stores, and one for XXXX. Chase reversed the charges on XXXX and refunded me the {$30.00}. That basically indicated that they are admitting fraud on the small purchase but are refusing to acknowledge fraud on the larger transactions which occurred at the same time with the same card, basically cherry picking what to approve based on dollar amount. 

This entire event would have been prevented if the bank would have cancelled the card when they said they did and if they would have followed standard security procedures before replacing my debit card without my knowledge or permission to a person unknown to me. The fraud and loss is the direct result of the bank 's negligence and lack of proper security procedures.
Product: Credit reporting

XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it
Product: Bank account or service

I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check shows a name of XXXX XXXX being used in XXXX XXXX, TN, XXXX XXXX FL, and XXXX XXXX, FL with my social security number and birthdate attached. I do not know where this last name of XXXX came from but I have never ever used the last name XXXX before ever. I have never been married to anyone with this last name nor have I ever used it. The ONLY last names that should be on ANY report are my maiden name ( XXXX ) and my previous married name and current last name ( XXXX ).
Product: Credit reporting or other personal consumer reports

The student loan company is reporting the incorrect balance and reporting several different amounts several times on all three credit reporting agencies under different company names. The dates of the reporting is also incorrect and being fraudulently reported. This is having an adverse effect on my credit rating and credit report. I have also filed a loan forgiveness form advising them that I did not graduate from this trade school due to them being closed down for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Debt collection

I have reported all of this to the XXXX credit agencies, my local police, and contacted the debt collectors listed below. Obviously, I feel that this should all be immediately remedied without tons of action on my part. I have spent the entire day attempting to fix this. Any help moving this along would be appreciated. 
I am waiting on the finalized police report to send them my proof of residence and the report. 

The XXXX accounts and all the details I have are below : XXXX - Debt Collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Ref # for my case - XXXX Service Address : XXXX XXXX XXXX XXXX XXXX. XXXX TX, XXXX Dollar Amount : {$490.00} Company - XXXX XXXX Date of Service : XX/XX/XXXX - XX/XX/XXXX XXXX - Transworld Systems - XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Ref # for my case - XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX Dollar Amount : {$390.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX - Also Transworld Systems Ref # for my case : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Dollar Amount : {$360.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX - Also Transworld Systems Ref # for my case : XXXX Service Address : XXXX XXXX XXXX. XXXX, TX XXXX Dollar Amount : {$290.00} Company : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Debt collection

My wife of 3 months was admitted to XXXX XXXX XXXX XXXX. She signed herself in, used her insurance card and was there for a few days. At the time, had her own insurance policy, her own bank account and filed her own tax returns. While trying to pay her debt to the hospital and working with her insurance company, the hospital turned her into collections. 
At the present time I am trying to get a home loan and this collection showed up on my credit report. When I spoke with CCS ( a collection agency from XXXX CA XXXX, they told me that they had every right to post this to my credit report because California state law says they can go after a spouse to collect a debt. They cited XXXX XXXX XXXX XXXX XXXX. The person I spoke with was XXXX XXXX. 
I spoke with someone from your agency and was told that CCS can not do that. That we all have our OWN individual credit history and this was my wife 's history, not mine. She has since paid off this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : I disputed the above account severa times and it came back verified and I want to know in the world is possible to verify something inaccurate and illegitimate especially when it violates my consumer right. XXXX, XXXX and Transunion are working in cahoots with XXXX XXXX XXXX to blatantly trample and violate my consumer right under the FCRA. 

According to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( II ) The information is, in fact inaccurate I am a natural person, I am a living human being, I have rights under 15 USC 1681 and these companies are governed by these laws and they violate my rights time and time again. I have a right to privacy and did not give these companies written permission to report the above misleading information which paralyze my way of living. 

I can go on and on showing blatant violations for the reporting agencies...
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Mortgage

TD Bank received the total payoff on my mortgage on XX/XX/2020, and as of XX/XX/XXXX, still have not closed the loan and even made an additional withdrawal of {$2000.00} from my checking account for the month of XXXX. 

After contacting them, they said they had received the total payoff in their account, and that they didn't mean to withdraw the additional {$2000.00} but they are " busy and backed up '' and have no estimation when they will close my loan or when they will refund the {$2000.00} overage.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX , Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.