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

Found billing errors on my report listing late payments, which dont reflect my track record. Please fix and adjust.
Product: Payday loan, title loan, or personal loan

I purchased a piece of jewelry from a store in  XXXX  and they provided a 15 month no interest loa n from    XXXX   XXXX   XXXX   XXXX  . I paid starting in the first month and had all but {$900.00} of the {$12000.00} paid off in 15 months and was about to make the last payment when I got a bill for {$3400.00} in interest. My understanding from the salesperson was that I would have a high interest rate on any unpaid balance like every credit card I have and I have very good credit. Unfortunately the fine type says you are charged interest on the entire amount of the loan even if you only owe a little. I have never heard of a credit card that works this way. I paid it off and would be ok with the interest on the unpaid balance but wells fargo is charging interest on funds I paid over 15 months ago. They offered me a 15 % discount if I paid immediately today. This still cost me {$3000.00} in interest on a loan that was paid off. This ca n't be fair business practice
Product: Debt collection

On XX/XX/2022, I contacted XXXX XXXX XXXX to obtained information by mail and phone. I called from XXXX. The rep hung up. I sent mail for other a year no response. I'm trying to obtain information for XXXX XXXX XXXX. However, no response from the company. I would like the initial letter from your company, including the loan documents with my signature on them to examine and inspect the account in question. After, receipt of the document, if the loan is determined to be mines. I would like a settlement between 65 % -75 % of the balance. I would like a letter from discover that they agree to not sell the account if such action for settlement is reach. 

Also, I would like the status on account and the age on the account. If, the account is time barring. 

This company doesn't have a business license in this territory. If so please provided your business license XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] Lvnv funding llc Re : Investigation Request for Inaccurate Credit Information Dear lvnv funding llc account number : XXXX I am writing to formally request an investigation into the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies that I believe require your attention.

The details of the disputed information are as follows : 1. Account Name : Credit one bank 2. Account Number : XXXX XXXX. Nature of Dispute : Never had a account with this creditor, this cre d itor bought a debt I kindly request that you conduct a thorough investigation into the validity of this information. Specifically, I ask that you : 1. Verify the Accuracy : Confirm the accuracy of the reported data with the creditor.

Provide evidence supporting the validity of the information.

2. Correct Any Errors : If any inaccuracies are found, promptly update my credit report to reflect the correct details.

3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the changes made to my credit report.

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute questionable information. I appreciate your attention to this matter and your commitment to maintaining accurate credit reporting.

Please respond within 30 days from the date of this letter. You can reach me at [ XXXX XXXX ] or [ XXXX ] if you require additional information. 
Thank you for your prompt attention to this request. I look forward to a positive
Product: Money transfer, virtual currency, or money service

I was using XXXX XXXX  and a buyer wanted to buy my computer which I listed as {$1100.00} and said they would send the money through XXXX and wanted my name and email and I got a email from XXXX stating that I have reached my receiving limit and I needed to pay {$500.00} to make my account a business account so I did and got another email saying that the buyersent over {$500.00} on accident and I had to pay it back so I did and got scammed off of {$1000.00}
Product: Mortgage

MY house was foreclosed and sold and now own supposed to be by XXXX XXXX XXXX, now CARRINGTON PROPERTY SERVICES sent me a letter it is not my property anymore.I have the original DEED OF TRUST, and XXXX XXXX XXXX . 
can not VALIDATE my loan # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company name is XXXX XXXX XXXX ( XXXX ). 
I applied and reseved a loan on XX/XX/XXXX. I paid the full amount loan due {$900.00} on XX/XX/XXXX. They are reporting to XXXX and Experion credit services that the account was not closed until XX/XX/XXXX 120 days late ( XXXX ) and XX/XX/XXXX 180 days late ( Experion ). 
I tried to filed a complaint with XXXX on XX/XX/XXXX their website would not allow me to upload documents. After calling XXXX representative stated information was correct and only XXXX could change it. I have called XXXX numerous times to no avail.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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.

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 convict
ions 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, Capital One {$1400.00}
Product: Debt collection

My pay has been garnished due to defaulted student loan. Garnishment payments are still ongoing! I 'm still receiving collection/threatening calls at work and to the human resources department ; in addition to my in-laws whom I have never authorized to have this company contact them. This needs to stop immediately and I need help doing so please.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage approximately 8 months ago. I have had nothing but trouble since. I just mailed my final payment to payoff my mortgage ( including XXXX late fee and XXXX " door knock '' fee that was listed on payoff letter ). They received the payment on XX/XX/XXXX. And even though the check cleared the bank they still have not applied my payment OR returned the XXXX dollars overage that is in our escrow account. This company is a NIGHTMARE and account should NEVER be turned over to them!!
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of Identity theft and found numerous credit inquiries. I have no knowledge of. here are the inquiries that I've found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove these fraudulent inquiries from my report. I also attached my identity theft report as well
Product: Mortgage

Borrowed {$130000.00}, from J.P. Morgan Chase at 6.75 % and charged {$180000.00} in interest over 30 year loan.
Product: Mortgage

Around XX/XX/21 I put in a web request for refinancing with a $ XXXX cash out on a property in XXXX XXXX Texas. The first company to reply was LoanDepot and I started their process. The intake person I spoke on the phone was XXXX XXXX, Licensed Lending Officer NMLS # : XXXX. He quoted me the rate for investment homes at 3.625 % and no problem on the cash out. I filled out their electronic forms, they provided me with a conditional approval letter ( loan XXXX ) and collected {$21.00} fee to run my credit report ( low XXXX or near perfect ), they asked for a lot of information, I locked the rate early, and they asked for {$21.00} and {$490.00} to run my credit and pay for appraisal. I did. Fast forward 2 months later, the refinancing isn't closing. I ask repeatedly, what's going on, why are they having trouble closing? Their senior loan specialist XXXX XXXX stopped answering emails to me. I started calling the intake person XXXX XXXX and almost simultaneously I get a denial letter ( they had approved me conditionally twice ; I have the letters ) saying they were denying the loan because they were " unable to verify residence ''. However, XXXX XXXX over the phone tells me that cash out on rentals are not allowed because I live in CA. My guess is that he knew this from the beginning and took my {$21.00} and {$490.00} fees knowing I wasn't going to get approved. I, as a consumer didn't know that, but since, I have verified that information with other lenders. Additionally, the loan rates have gone up causing me to lose the window of opportunity to get a better rate. Deceptive practice or incompetent ( two senior ) staff? I want at the least my money back. I received a letter 2 weeks ago saying that a representative was going to call to try to remedy my complain... No one has called. I'm not holding my breath on that one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have been on my credit profile for almost 2 years, and Equifax keeps saying they are valid. No contact information is attached to these unauthorized inquiries- no phone number or address. According to the FCRA, all information reported on a credit profile has to be 100 % accurate. I have sent my FTC report, a copy of my driver 's license, and a valid copy of a bill with my current address on it. There has been no reasonable investigation done because there is no contact information, and this company is permanently closed, according to a web search.
Product: Checking or savings account

I received an email from my bank stating that they have my tax refund but cant deposit it until I provide documents proving that the refund belongs to me. I provided chime with the documents on XX/XX/XXXX within XXXX minutes of their request and I waited on them to process it. They said please allow XXXX hours for a response so I waited XXXX hours and called to see if I could get it done over the phone and they basically stated that they didnt have a deposit. I then called the comptroller on monday morning, and they stated that my refund was already deposited on the XXXX and that my bank has the funds. I called my bank and I told them that information and asked why is everything on hold and they couldnt provide me the information or tell me why is it that I verified but havent received anything still.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, XXXX XX/XX/XXXX Subject : Debt Collector Violated My Rights by Suing While Debt Was Under Dispute I am filing this complaint against XXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and engaging in improper debt collection practices. 

On XX/XX/XXXX. I disputed the validity and accuracy of a charge-off account that XXXX XXXX  XXXX claims I owe. I sent a written dispute letter to XXXX XXXX XXXX on [ date you sent the dispute letter ], in accordance with my rights under XXXX U.S.C. XXXX ( b ), requesting verification of the debt. 

Despite my dispute, XXXX XXXX XXXX failed to provide any verification or validation of the debt. Instead, they proceeded to file a lawsuit against me on XX/XX/XXXX in XXXX XXXX XXXX XXXX. Filing a lawsuit while the debt is under active dispute is a direct violation of the FDCPA, which prohibits debt collectors from continuing collection efforts without first validating the debt. 

I am requesting that XXXX XXXX XXXX : 1. Dismiss the lawsuit filed against me immediately. 
2. Cease all collection activity until they provide proper validation of the debt. 
XXXX. Compensate me for any damages caused by their improper and illegal actions. 

I am attaching the following documents to support my complaint : 1. A copy of my dispute letter sent to XXXX XXXX XXXX on XX/XX/XXXX 2. Proof of delivery of the dispute letter ( e.g., certified mail receipt ). 
3. A copy of the lawsuit or summons filed by XXXX XXXX XXXX. 
4. Any other correspondence related to this matter. 

This illegal and improper collection activity has caused me significant emotional distress, financial burden, and time spent defending myself against a baseless lawsuit. The stress of being sued over a debt I am disputing has affected my well-being and peace of mind. 

I ask that the CFPB take action to ensure XXXX XXXX XXXX complies with federal laws, including the FDCPA. I request that XXXX XXXX  XXXX : Provide proper debt validation. 
Dismiss the lawsuit filed against me. 
Stop any further collection actions. 
Be held accountable for their violations of federal law.
Product: Money transfer, virtual currency, or money service

I am opening a new case against Chase Bank regarding an ongoing issue that I have been dealing with for the past three months. Chase has refused to deposit funds into my account, citing sanctions as the reason. However, I am not subject to any sanctions, as I am a U.S. citizen and have been living in the United States for 11 years. 

This time, I am filing a formal discrimination case against Chase Bank. I firmly believe that I have been discriminated due to my XX/XX/XXXX, which is why the bank has refused to communicate with me entirely. Despite my repeated efforts to resolve this matter, Chase has completely ignored my inquiries. 

Chase has falsely accused both me and the sending bank, XXXXXX/XX/XXXX in XXXX, of being subject to sanctions. This is categorically untrue, as neither of us are under any such restrictions. 
( Source : https : //home.treasury.gov/news/press-releases/jy0608 ). 

By taking this stance, Chase is unfairly targeting XX/XX/XXXXindividuals living in the U.S., perpetuating a harmful stereotype that we are inherently connected to sanctions and criminal activity. This type of broad, discriminatory assumption unjustly impacts allXX/XX/XXXX people living in the United States, treating us as though we are guilty by association simply because of our heritage. 

Chases actions also contradict the U.S. Treasury and OFAC guidelines, which explicitly state that personal, non-commercial remittances are not subject to sanctions. According to the U.S. Department of Treasury : " Personal, non-commercial remittances are not the target of sanctions imposed by the United States on XXXX. '' " U.S. and foreign financial institutions may continue to process transactions for legitimate activities, such as the facilitation of personal non-commercial remittances, that do not involve blocked persons and are not otherwise prohibited by OFAC. '' ( Source : OFAC FAQs : https : //ofac.treasury.gov/faqs/added ). 

By disregarding these guidelines and failing to act in good faith, Chase has engaged in discriminatory practices that undermine the rights of XXXX Americans. This case involves a significant amount of money, and Chase should be held accountable for its discriminatory actions, its failure to follow established XXXX regulations, and the false information it provided in response to my previous complaint. 

Chase is engaging in fraudulent practices by falsely accusing me of being under sanctions without any legitimate basis or evidence.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXXXXXX, Equifax, and XXXX for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) by unlawfully reporting " late payments '' on my credit report. 

Under 15 U.S. Code 1681a ( c ) and 15 U.S. Code 1681s-2, creditors and credit reporting agencies are prohibited from reporting transactions such as late payments that do not constitute a new credit obligation. 

FCRA Violation : Reporting Late Payments as Transactions Late payments are considered transactions, not new credit obligations. 
The FCRA prohibits reporting transactions, and late payments are merely a historical record of account activity, not a public record or derogatory item. 

The reporting of late payments is misleading and unfairly damages my credit. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must ensure all information is accurate and not misleading. 
Reporting late payments mischaracterizes my account status and unfairly penalizes me. 

Failure to properly investigate my dispute. 
I disputed the late payments with XXXX, Equifax, and XXXX, but they failed to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). 

The inaccurate reporting of late payments has severely impacted my creditworthiness, causing undue harm in obtaining credit and financial stability. I demand prompt corrective action to rectify this unlawful practice.
Product: Money transfer, virtual currency, or money service

I started using the app by block inc. and feel they was aware of ALOT things Ive been scammed Ive sent over {$500.00} to the wrong person by mistake made numerous attempts to call to speak to someone and no one would response
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( Equifax, XXXX, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 my XXXX app and account was hacked. My debit card information at the time was saved within the app. On the afternoon on XXXX I received numerous emails from XXXX stating my account password had been changed, an address had been added and 2 orders had been placed. Neither of these orders were placed by me. I was able to call one of the XXXX stores in the XXXX, TX area and I was able to cancel the pick-up order. The 2nd order was a delivery order and it was unable to be canceled. The delivery order was around {$130.00}. I wasnt able to immediately file a dispute on the charge since it was still listed as pending. The first opportunity that I had, I filed the dispute and Chase Bank credited my account. I then canceled my debit card per Chase banks recommendation. This lead to lots of headache since I have numerous bills linked to that card. Chase bank completed their investigation and claimed that the charges to XXXX were authorized and they then removed the {$130.00} from my account. I submitted numerous documents to Chase Bank trying to plead my case. I even provided the address to where the groceries were delivered in XXXX, TX. I also submitted a police report with the XXXX Police Department. As of today, XX/XX/2023, Chase Bank continues to claim the charges were authorized and my account had not been hacked. After 15 years of banking with Chase Bank, I can say that I am truly disappointed in the customer service and assistance that I received during this time. I can assure you that I would not have canceled my debit card and went through all this headache had I bought the groceries!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, XXXX, and Experian credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals