23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$780.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Debt collection

The original mortgage company XXXX mortgage, decided to sell our mortgage to a debt collection company LoanCare. This company decided to create an escrow account increasing our payments from XXXX to a XXXX. 
We can not afford to pay that much so they have accumulated few XXXX in debt over the last several months. However, we have paid our taxes and insurance on our own and on time. There is no need for an escrow account and the increase on the payments.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt. I do not have a contract nor have they provide me with the original contract or the method of verification as requested. Per 15USC 1681 ( e ) ( b )
Product: Student loan

I have my student loans through Navient. When I called about options to pay less on my student loans, the only XXXX options they gave me were to either pay them or enroll in school to put them into in-school deferment. I already pay them {$500.00} a month and with some loans coming out of foreberance, my monthly payment was going up to {$800.00} a month, which is impossible with my income and other debt that was accumulated during school like credit cards. I just do n't feel I was given any options to repay. I do n't agree with them telling me to enroll in school again in order to not pay on my current loans and would then acquire more loans and really not be able to pay them. I ca n't stay in school forever.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account to find that a payday loan for {$440.00} had been taken put in my name days after I turned XXXX. I called the service associated with the charge and noticed that when they recalled the information attached to the account, everything except for my name was consistent with my adoptive mother 's work email and home address. They still refused to take the balance off of my account, and it shows that now it is owned by NCA for collections.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting ACT ( FCRA ), 15 U.S.C. 1861i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : Conserve {$570.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$960.00}
Product: Credit reporting or other personal consumer reports

A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with Experian and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. Experian can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved immediately!
Product: Mortgage

Back in XXXX 2015, we were calling PHH Mortgage XXXX, asking for a Payoff amount on the home. Finally, in XXXX 2015, we sent an email asking, PHH Mortgage services in XXXX, NJ. to give us a pay off balance on the mortgage. In the email they gave a payoff amount as of XXXX XXXX, 2015 in the amount of {$61000.00}. I went to the Credit Union and got a Cashiers Check in that amount. I sent the cashiers check Certified mail. Through tracking I received the information that they received the check and someone at PHH Mortgage signed for it. Then in XXXX 2015, we get a notice that we are in default of the loan for two months. We contacted them and they told us, they lost the Cashiers check, they wanted us to stop payment on the one they lost and reissue them a new check. It states right on the check, " NO Stop Payment Permitted ''. So, they then said, they would get back to us. They never responded then to us. Since, XXXX we 'd been trying to Contact them, to no avail. No one would pick up or return our calls. I also, sent a check, check # XXXX in the amount of {$120.00}, since thats what was owed yet, cause they did n't receive the payoff until XXXX XXXX, 2015. With that payment, I sent a copy of the Cashiers Check stub. 
On, XXXX XXXX 2015, we receive a Certified letter stating we were in default of the mortgage, saying we were 4 months behind and owed {$3600.00}. plus interest, and they were going to begin foreclosure proceedings on the house if we do n't summit payment, within 30 days. 
I have all the paper work proving that we had sent the payoff in XXXX of the amount in the email, {$61000.00}, plus the {$120.00} and that they received it. 
I spoke to my bank about reissuing another check. The bank said, they could, but PHH mortgage needs to sign and notarize an Addendum Form, stating they lost the check. 
When speaking to PHH mortgage they sounded reluctant to fill out the form. With their track record, I do not trust or believe they will follow through with the Addendum and will continue to foreclose on the house. When I called on, XXXX XXXX, 2015, the man I spoke to in collections, was not only rude, but kept telling me my account was sent to him cause I refused to pay my mortgage. I explained this was incorrect because I had already paid off the mortgage and am not in default as they claim. He then spouted that I needed to speak with someone in customer service, cut me off and transferred me to them. In the Past Customer Service, claimed it was not their problem that they lost the check.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I currently am paying a private student loan with XXXX/Loan Science, previously XXXX XXXX XXXX, and was out of full-time employment for seven months. After multiple attempts, they were totally unwilling to not only adjust my payment at the very least, but they were also unwilling to allow a forbearance, or deferment. As a result I have not been able to make payments, and they are dinging my credit constantly, and calling my home and my step-fathers ( co-signer ) home all hours of the day. I looked at an overview of my payments and since 2013 out of {$5500.00} paid, only {$230.00} has gone to the principal, the rest to interest and fees, its really legalized robbery.
Product: Mortgage

My mortgage is with Bank Of America. I requested a mortgage modification several months ago to bring my mortgage current. My modification being processed and there is a property foreclosure sale date set for XXXX XXXX. I received correspondence from the Foreclosure attorney stating the property foreclosure sale date. I have done some research pertaining to the foreclosure statue for Tennessee. XXXX Tennessee Code Annotated T. C.A. 35-5-107 & 35-5-106 states the homeowner is to receive by mail 30 day notice prior to the foreclosure. The Foreclosure correspondence is dated XX/XX/2018. I received the Foreclosure correspondence XX/XX/2018 by mail. 


Please assist me with maintaining ownership of my home. I don't want to loose my Home!!!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I initiated 3 separate wire transfers with Coinbase ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and none of these transfers were received on the dates promised. 

I opened several support tickets with the company and only one was responded to ( only once ) stating there was a bug with wire transfers and they were looking into the problem. In their support email, they told me : " If you dont see the funds within the next 2-3 business days, please let us know. Thank you for your understanding. '' I did not receive the funds in 2 - 3 business days ( it has been 6 days since they sent this email ). After 4 days passed, I responded to them explaining that I had not received the funds. They did not reply to me. 

I opened several other support tickets, but none were responded to. 

I also emailed the CEO 's public email twice requesting that my case not be ignored and have not received any word back. 

I 've also called my bank and asked if they saw any pending wire transfers on their side, but they did not.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Checking or savings account

Hi, I trust this email finds you you well As we have mentioned before we have a problem with PayPal, they closed our account for 180 days without any reason We are a retail e-commerce store we are selling online, last week we get noticed that PayPal, limited our account for sending some documents, Like : ID card, Bank statement, Fulfilment infos ( tracking. numbers ) this is not first time we received this verification. but this time after that we have submitted all those documents then we received that our account is closed for 180 days and they dont like to refund over XXXX $ Regards
Product: Debt collection

I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. 
I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX XXXX had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. 
I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. 
I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. 
Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Product: Credit card or prepaid card

To whom it may concern, on XX/XX/XXXX, I paid my Chase Amazon credit card balance in full, for an amount of {$1100.00}. On XX/XX/XXXX, I discovered Chase had charged me this amount TWICE. I know I was charged twice, as my checking account balance decreased another {$1100.00}, and the two transactions had two separate ID numbers. 

I called Chase immediately on XX/XX/XXXX to tell them their system had charged me twice, and to refund the extra {$1100.00} they had charged. The response was it would be refunded " soon ''. However, I have called every single day since then, and Chase has not taken a single step to return this money. The representatives just keep saying : " soon '', " soon '', " soon ''. 

Taking 30-40 minutes out of my day to navigate their automated system, and explain my situation each time, has been a tremendous inconvenience. 

Likewise, {$1100.00} is a significant amount of money ; to have this taken from my account " in error '', and held on to for a week is a terrifying experience for someone may have been reserving that money for rent or a car payment. The fact that they can uproot someone's life like this, and take no action to remedy the situation, is unacceptable.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines KHOLS CAPITAL ONE ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit card

In XXXX, I signed up for an XXXX  XXXXXXXX XXXX XXXX XXXX XXXX through Bank of America. The promotion application form was handed out on my return flight home to XXXX from XXXX  on XX/XX/year> and we returned it by mail. I received notice that my application was accepted but no details. I have applied for and received these sorts of credit cards in the past and the terms are always clear. I have never been tricked by these cards though I have been unhappy that the banks have started to add a membership fee during the first year of use whereas in the past those annual fees only kicked in after the first year. I was surprised to find after the first month that Bank of America had set my credit limit at {$2000.00}. I have had good credit, with a credit score always either above or just below XXXX. I have never been denied a credit card or any other financing. I asked to have the credit limit raised and this was denied, no reasons given. When I use the online portal to look for the letter denying my request, it is no longer there. 

Then, after spending {$3000.00} by the deadline of XX/XX/year>, when {$3000.00} was the required amount, I learned today that Bank of America deducted the annual fee from the eligible expenditures causing me, in their view to have not met the {$3000.00} expenditure requirement. Both XXXX  XXXX and Bank of America cited my first payment as {$620.00} when it was actually {$720.00}. During the past four months I have had at least 4 telephone conversations with Bank of America employees, during which I repeatedly checked my balance and expenditures. At no time did any of the Bank of America agents I spoke with inform me that the annual fee would not be credited toward the {$3000.00}, nor did the electronic messages that gave me info regarding my balance and pending charges.

After calling Alaska and then Bank of America today, I called XXXX, where I have an XXXX XXXX credit card, to ask if they were excluding the annual fee from the total amount required by the deadline date to receive the bonus miles and hiding this from their new customers. They informed me that they were not doing so, that all my expenditures were credited to my spending requirement for the mileage bonus, and that the mileage bonus had been credited to my XXXX XXXX mileage account. 

I consider XXXX  XXXX and Bank of America to have attempted to trick me twice and to have considered themselves to have gotten away with it the second time. I have asked to have a supervisor call me and I intend to fight this and receive my promised mileage bonus on XXXX  XXXX because I spent more than {$3000.00} using the credit card by XX/XX/year>. I spoke today with XXXX at Bank of America who advised me that a supervisor named XXXX would be calling me within a day or XXXX. I plan to also report this to the XXXX XXXX XXXX because I consider it very shady business dealings by XXXX  XXXX and Bank of America.