23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Round Point Mortgage Servicing Company sent a certified letter dated XX/XX/XXXX. In the letter, they allege that there was only one VA inspection in regard to the property located at XXXX XXXX XXXX XXXX, TN XXXX. I have done everything they have asked me to do in regard to the Deed in Lieu of Foreclosure and they apologize, for what my attorney and I will call, gross negligence on their part. <P/>Back to thisXX/XX/XXXX letter : RoundPoint states that there was only one VA inspection, which took place on XX/XX/XXXX and failed because the property was not in broom swept condition. This part is true. <P/>Moreover, I called and left a voicemail with XXXX XXXX XXXX at Round Point, who is or was my customer care advocate. His direct line is XXXX. This call was placed on XX/XX/XXXX at XXXX Central Time. My message was for him to get back with me regarding the second VA inspection which passed and that my attorney stated that RoundPoint should have never transferred the loan and/or property to XXXX XXXX. He never returned my call. <P/>In any event, we have documentation showing that a second and subsequent VA inspection took place and passed. My attorney has told me that because the second inspection passed. RoundPoint also confirmed this when the customer care advocate at the time called us on speaker phone. Round Point should have never transferred the loan or property to XXXX XXXX XXXX C/O XXXX XXXX XXXX. This transfer took effect XXXX XXXX, XXXX. <P/>The final issue, Round Point stated in the letter mentioned herein, that they transferred the Deed in Lieu documents via XXXX to the new servicer, XXXX XXXX, and that they are to submit the documents for recording, in addition to ordering a new VA appraisal. <P/>I 've called XXXX XXXX and I have spoken with XXXX, my customer care advocate, whether they have received the Deed in Lieu of Foreclosure documents from Round Point. She has stated that they have not received anything from Round Point at all. She does have on file that I was issued a XXXX " Cancellation of Debt '' for the entire loan for the property, also mentioned herein. XXXX also stated that they have not ordered a new VA appraisal. Why has n't this been done? You 've had the documents since XX/XX/XXXX. It is now well over a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify, through the physical verification of the original signed contract. I am requesting for proof to be sent to me immediately upon receiving this letter. FCRA states to the credit bureau that if you can not send the proof such as wet ink contract that I signed with child support then you have to remove it off from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX CARD SERVICE XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, My family entered into a new rental agreement to become tenants in a single family home, in Virginia. The owners are using a property management company, which in turn uses a company, AppFolio, which offers an online portal in which tenants can make rental payments, request maintenance services, etc. 

We have discovered, upon trying to pay rent for the first time as tenants at this property, that AppFolio charges not only a 2.99 % transaction fee for payments by credit card and a {$9.00} transaction fee for payments by debit card, but they actually charge a {$2.00} fee even if paying by XXXX. Importantly, my family was given NO options to pay that did not have a fee. A " fee '' that tenants can not bypass is not actually a fee, it is of course a rent increase, which is contrary to the terms of the lease we signed. There were no options to pay rent offered that did not contain a fee, no disclosures regarding how to avoid fees, and no information presented which explicitly stated or even implicitly implied that as tenants we had multiple options to pay, including some which did not require fees. 

Upon researching the issue, it appears that the actual cost to the company to process an eCheck is approximately XXXX cents. That means this fee is XXXX times the cost to AppFolio. This is exorbitant, and it is a fee that is being charged when I, the consumer and tenant, am not receiving any good or service in exchange. I am receiving a service I am being forced into by the property manager and landlord, and it's a service that is typically free and costs next to nothing to process. 

After questioning these fees, the property manager offered us a no fee option, which is a paper check. This is ridiculous, as we should be able to initiate a bank to bank transfer, where the landlord 's bank is the beneficiary and receives the rent each month ; this transfer would be free. Instead, we are forced to use AppFolio, which has deceptive and misleading information on our account, pushes us to pay with fees that are grossly more than the costs to AppFolio to process our eCheck, and when we protest we are offered massively inconvenient options to pay despite the fact that electronic no fee options do exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX  XXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX Account XXXX 6. Validate Account XXXX XXXX Account NumberXXXX 7.Validate Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I called my loan servicer on XX/XX/2022 to refund payments that I made during the Covid-19 forbearance. These payments total {$26000.00}. Since then, I have not received any confirmation about his request, and have also called and emailed the company. Moreover, about {$1000.00} of the refund payments are from a checking account that is no longer. I've repetitively contacted the servicer, but have not received a refund check, an updated balance, nor much information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I owed Champion Mortgage {$910.00} for forced flood insurance. XXXX/XXXX/16 was told I owed {$1600.00} for taxes and insurance. I had paid taxes XXXX/XXXX/16 for {$760.00} and sent receipt of paid taxes. I sent a Official check for {$910.00} on XXXX/XXXX/16, which is the balance of what they say I owed minus the taxes. Copy of check attached. The loan details show receipt of Official check on XXXX/XXXX/16. Also attached are XXXX letters, the first dated XXXX/XXXX/16 stating we owed {$980.00} and have until XXXX/XXXX/16 to make current. And the second letter one day later,XX/XX/2016 stating we owed the {$1600.00} and had until XXXX/XXXX/16 to pay. ( this amount is the insurance and taxes they claim they paid I have the paid receipt and they will not produce theirs. ) On XXXX loan notes show " Advised client to return official check for {$910.00} because it was not the full amount. The loan notes show that on XXXX/XXXX/16 file was sent to Lawyers XXXX XXXX XXXX for Foreclosure Processing. The XXXX letters attached prove I had until XXXX to pay which I did XXXX XXXX. I was not in default when they started the Foreclosure. They refuse to produce their receipt for the taxes they state they paid. Second complaint -- after seeing I was n't going to go away, I purchased {$120000.00} in flood insurance XXXX/XXXX/16 as the new requirement. Immediately after receiving the new coverage they first told me I needed they sent a GAP letter stating I needed {$250000.00}. This GAP in coverage is what started this Foreclosure process. See attached letter. The condo association covers {$120000.00} on each unit and I have my personal for {$120000.00}. The condo is not even close to being worth XXXX I have no idea where they came up with that figure. I believe it is a ploy to continue harassing an XXXX woman in hopes they can keep throwing hoops to jump threw and I 'll get tired.
Product: Checking or savings account

With the recent issues of my checking account with Chase, with my funds not be accessible because the account being deposit only for several days. I was unable to pay several bills because of this. I am looking not only for the funds that I've lost due to being stolen from me via my online checking account. I'm also looking for Chase to repay me for late fees that have accrued due to my account being inaccessible which totals {$25.00} for my XXXX XXXX credit card and {$27.00} for my XXXX XXXX Credit Card.
Product: Checking or savings account

On XX/XX/year> I filed a dispute on fraudulent activity on my account to chime in which happened on XX/XX/year> for the amount of XXXX someone XXXX XXXX  there self from my banking account of the name of XXXX XXXX my bank fail to notify me about anything pertaining to the case then I checked my account says its been denied I should have a email about reason on XX/XX/year> check email no email from chime
Product: Debt collection

I got a notification from my credit report that a collection account was put on. I have received nothing from this company that they have any bill of mine. Im a college student and with this pandemic it hard but I pay my bills. I would have set up a payment plan like the rest of it was my debt and was notified of such debt. This is the only negative thing ever on my credit. I worked hard to have good credit and a clean credit report and for them not to notify me of anything is unacceptable and against the Fair Credit Reporting Act.
Product: Checking or savings account

At XXXX XXXX  on XX/XX/2022 made a {$590.00} mobile deposit the receipt advised that XXXX would be available on XX/XX/2022 and remaining would be available on XX/XX/2022. I was notified at XXXX XXXX  that my check was deposited in my account account. Expecting {$250.00} to be in my account I attempt to use my account it declined, when I checked my I see my entire check is on hold on XX/XX/2022. I NEVER received noticed. I called customer service the person I talk to said It looks like the check got flagged for manual processing. It can happen sometimes, let me see if the department is available to release that holdno they wont be back back until tomorrow XXXX XXXX  they should be able to take care of you. I called back on XX/XX/2022 at XXXX XXXX  talk to the person I believe i am supposed to be talking too advised it was a glitch and there is nothing she can do to expedite it. I was also advised on the XXXX XXXX  phone that unsure why the funds were placed on hold and if they were to push it through it goes through a batch process so the funds would be available at the same time tomorrow so it makes no difference
Product: Debt collection

XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

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

15 U.S.C 1681section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I recently received a letter from Financial Recovery Services , Inc., XXXX. XXXX XXXX XXXX, MN XXXX XXXX The letter is claiming that they are collecting a debt for a company I never had debts with. They are claiming I owe {$4700.00}, and the original credit is XXXX. I've never heard of that bank in my life. They say in the letter if I even attempt to dispute the debt they will obtain a judgement against me. This is my first time hearing from Financial Recovery, and first time hearing of " my original creditor '' XXXX. I feat to communicate with this company effectively because they immedaitely threaten with a judgement prior to communicating. The letter is worded in a way that says I can file a dispute but the office of Financial Recovery Services will immediately file a judgement against me which is frighting. I am unsure that this debt it mine as I have never had any credit with whomever XXXX is. Thanks
Product: Checking or savings account

I have oops protection on two of my checking account, but I am being charged for overdraft fees. Why do I have overdraft fees when I have oops protection
Product: Debt collection

I have no agreement or signed contract with the debt collector True Accord. This item needs to be removed from my credit report.
Product: Debt collection

A few months ago, I started receiving statements from midland credit management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX attempting to collect a debt that i don't owe and today I received a statement from XXXX XXXX consumer support services saying that " after reviewing all their information, that they conclude that their records are accurate ". Now, I would like for them to explain how they conclude that their records are accurate when the SSN given is 2 digits off from mine ( but the SAME last 4 digits in which thats how their getting me confused ) AND the date of birth given to me is a few years older than me ( I'm not telling how many years due to the fact they can easily figure out my birth year and amend their records ) AND that I have never had XXXX credit card from XXXX XXXX  or any other bank. But their records are accurate? Maybe the federal trade commission can shed some light on this issue for me. Thank you very much. reference number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NJ, XXXX Experian Information Solutions , Inc . 
Dispute Department po box XXXX, XXXX, TX XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a Capital One credit card that went to collection due to miss payments. I had complications with my XXXX and stop working. Capital One sold the account to XXXX XXXX XXXX, XXXX Capital One still showing on my credit report. I have requested a validation letter to this other collector XXXX XXXX XXXX since they can't prove that I signed a contract with them, I'm not paying this account unless they prove me that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth Financial continues to report an account in the amount of {$680.00} and it should be removed immediately as they are in direct violations of FCRA rules and regulations. I have contacted this company for validation of this account and I received no information from the company within the allotted period of time. The company has placed inaccurate information on my credit reports and defacing my credit worthiness. The company stated that they updated information after I disputed information with the three major credit bureaus on the account but all information remains the same. Commonwealth financial should be held accountable for their direct violation of credit reporting laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2019 I opened an account with Capital One, I was on time with my payments up until we had a national emergency with XXXX. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and capital one under The HEROES Act where it states that no negative remarks should be reported during The XXXX pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.