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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
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 : ACCT # XXXX, XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX ACCT # XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that problem or information, as appropriate. Based on the results of the reinvestigation, and ( iii ) promptly notify the furnisher of that information that the information has been modified and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that this information is inaccurate.
Product: Checking or savings account

My CD with Chase Bank in XXXX XXXX matured on XX/XX/2023. I spoke with my Private Client Rep, XXXX XXXX, & advised her to transfer my money, ( {$20000.00} ) into my checking account so I can pay a few bills & buy some stock. It's been 8 days since, & nobody seems to Know where my money is. I've spoken with approximately 12 people every day, several times a day, for at least 5 hours. I have over {$200000.00} tied up with this bank & still nobody has a clue where it is. Each person I talk to assures me that my funds will be available that day or the next day. Still no answers... .PLEASE HELP
Product: Money transfer, virtual currency, or money service

I use Cash App and my money was taking out of the account. I tried to speak to a representative about the problem and I could not get a hold of any representative to fix the problem. So they just let the person take the money or use the funds without my consent. There is no body to speak to at Cash app to dispute any of the charges that's not mine.
Product: Mortgage

Corrective actions were not completed relative to previous Complaint # XXXX. 
Ditech continues the following : ( 1 ) not post payments upon receipt on or before funds are credited to the payee, ( 2 ) continues sending monthly statements indicating three payments delinquent, ( 3 ) did not reimburse late fees charged for payments received on time, and credited to DItech, ( 4 ) did not correct/update credit reports to correct false info reported throughout XX/XX/2018, ( 5 ) did not provide a response/clarify why {$15.00} were charged for XXXX XXXX XXXX, ( 6 ) refusal to provide the information required to set up payments by a monthly payroll allotment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  that was requested on numerous occasions in 2018 ), ( 7 ) Last  Statement dated XX/XX/2018 due XX/XX/XXXX stated {$4000.00} were delinquent for XX/XX/XXXX thru XX/XX/XXXX ( False Information ). FACTS :XX/XX/XXXX- Credited to Payee XX/XX/2018, XX/XX/XXXX- Credited to Payee XX/XX/2018 and an additional payment credited XX/XX/2018, and XX/XX/XXXX- Credited to Payee XX/XX/2018.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. 

I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with Experian. I promptly disputed this account with Experian, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. 

Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.
Product: Debt collection

I have an unverified account from NATIONAL SER. I had previously disputed this account. I have never done business with NATIONAL SER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NATIONAL SER Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Vehicle loan or lease

Was put out of work and waiting for XXXX XXXX XXXX Was told to have the money by next week. The company continues to call after being told I am still waiting on the I XXXX XXXX The amount of calls are in the 30+ calls per week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I have an account with Chase. On XX/XX/2020 they marked a transaction done with XXXX XXXX as fraud, restricted my account and froze my funds. On XX/XX/2020, they removed the funds in question but I still didnt have access to my remaining balance. They said they would send me a check in the mail but never did. 

It has been over 3 months now and they still havent released my funds. They have avoided all my inquiries thru the phone and at the branch. They have even hung up the phone on me as they did today at XXXX XXXX CT. I am a patient and comprehensive person but this is just too much, specially during these hard times. 

I would appreciate if you could help me get my funds back as I had all my money with them and have fallen behind on paying my bills on time as I was accustomed to.
Product: Mortgage

XXXX XXXX XXXX through XXXX XXXX ( loan # XXXX ) ; requested and was approved for forebearance with XXXX XXXX ( XXXX ) due to covid. At the nearing end of the forebearance with XXXX XXXX we applied for a trial modification. XXXX approved the trial modification to lower monthly mortgage note to {$1600.00}. Trial modification payments were to begin XX/XX/XXXX and we received specific instructions that our loan was being transferred to LoanCare ( # XXXX ) and that our 1st and ongoing modification payments were to be sent to Loan Care. Received notice of approval of trial modification AND service transfer in same notice XX/XX/XXXX. We tried to send the payment per instructions to Loan Care and every trial modification payment was rejected and returned since XXXX. We have contacted them multiple times trying to resolve this issue. We have since divorced BUT have worked together on conference calls and speaking to attorneys to resolve this matter. We have provided loan care with documents from XXXX XXXX showing the transfer and modification, the authorize user ( XXXX ) for the account for the life of the loan, judgments and multiple emails, calls, and complaints to still not have a resolution. Loancare has pulled XXXX 's credit without her permission ( XX/XX/XXXX ), the website shows they received all documents they need and it's in underwriting but yet when we call to get updates we get : " we are missing a few documents, or it's in underwriting ( XX/XX/XXXX and should take 30 days ) and XX/XX/XXXX and should be finalized in 30 days. My question, concern or comment here is -- -Why wasn't the trial modification honored from the previous servicer ( XXXX XXXX ) based on the Fair Consumers Act or the Truth in Lending Act. We have been harassed by notes being left on our door, unnamed, unidentified persons taking pictures of our home and handing us a note to contact LoanCare, Foreclosure notices from Attorneys, extra fees and etc added to current loan, Credit Reporting that gets removed and later put on and removed again, calls to our mobile devices stating " this is an attempt to collect a debt '' all as if we were irresponsible adults that failed to pay our mortgage and that wasn't the case. We faced a hardship and asked for help with previous lender they granted us help only for the help to be rejected by current lender LoanCare
Product: Credit card or prepaid card

I've been receiving for about three years, statements from Montgomery Ward which said that there were charges of {$790.00} on it which I've never made. In fact I've never bought anything at Montgomery Ward. I've engaged XXXX XXXX this year to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX I accessed my credit report on XX/XX/2022. It came to my attention that The company listed above was furnishing collection information on an alleged debt to the Credit reporting agencies. This collection was disputed with the company above and XXXX XXXX XXXX University the company that illegally shared my identifying information with National Credit Management. I, the natural person is not obligated to and does not owe this alleged debt pursuant to 15 USC 1692 and 18 USC 8 as I advised to both companies mentioned above. Pursuant to 15 USC 1681 I demand that this account be removed from all credit reporting platforms This is my second CFPB complaint I am sending additional correspondence via Certified mail XXXX in regards to this account. 
When asked to validate this alleged debt they sent me a link to dispute with original debtor, an accounts receivable trail with no name and the account number doesn't match as well as enrollment document with a digital signature. Which does not meet the Debt Validation requirements listed in federal law
Product: Consumer Loan

Two weeks after receiving the XXXX washer and the other half of the sofa ; XXXX of the cushions on the sofa 's seam popped and fluff is showing and the washer started to squeak. I made a video of the washer and took pictures of the sofa cushion. I took them to the store and they guy there said, " Oh, call the service desk and they 'll help you get a new XXXX, especially since you just got it and you have proof it 's messing up '' .Keep in mind ; we agreed to have the protection plan for the sofa, {$310.00} for 3 years and {$290.00} for the washer for 4 years. The guy comes out for the washer on a Wednesday, 2 days before the 30days of having it in my home. He confirmed that the tub/cylinder is not centered properly and that is causing it to rub against the drying pad causing the squeak. When the tech called XXXX, they said this is a known problem, to just put some grease on it and that 's it. Wait WHAT?!!? Are you serious? I said OH NO! I have not had this 30days and there is clearly something wrong, you do n't want to FIX it you want to put a BANDAID on it, so it will break again and be even more messed up the next time. WHY would I pay for something like that!? So my husband and I go to the XXXX store and say we want to exchange it, he said okay, that 's a 15 % restocking fee. Wait a minute, we pay you {$290.00} for an extended protection plan and your tech confirmed something is wrong ... .but now you want me to pay you more to exchange it? The store manager says to call Customer Service and have an escalated ticket completed to see if they 'll waive the restocking fee ... did that. Took my break time at work to sit on the phone with their customer service and that guy XXXX, said he completely understands, that is not right, but obviously the 'escalated ' people do n't feel the same way. They called me back to tell me, nope, unless the manufacture says the machine is " not repairable '' will they waive the restocking fee ... But that is the problem, YOUR TECH SAYS THERE IS A PROBLEM, BUT XXXX DOES NOT ... So now, I am stuck with XXXX hand merchandise that I have to pay full retail price for. NO, COME GET YOUR STUFF!!
Product: Student loan

The student loan debt has caused a mental health strain on me entirety. The amounts being required to pay within an increment of time has made me feel without understanding or unheard of the reality of me. I noticed the the company continues to send emails as the supposable date to pay is in the next few weeks. This is all overwhelming as the there may even be a possible shut down, and this is more pressure on my mental and emotional state as well as my spiritual practices.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXXXXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

As more information comes out about the Equifax breach, I am just so ... .angry because I can not help myself in this. We are expected to have credit in this country. We do not ask to be reported to Equifax - it is a term of the credit. And they have so little concern about our personal information. I would like them to be punished as much as is possible. They have put so many at risk - and they can not protect us now. Every citizen who has had their information leaked has to at the minimum take time and energy to protect themselves further. At the worst? Their credit is ruined for YEARS keeping them from prospering. It is very clear in this country no one cares about the little guy. Equifax sure does n't. I am hopeful you can use your office to protect those who have been put at risk with this.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving an issue I have been facing with TransUnion regarding several hard inquiries on my credit report that were not authorized by me. I have been tirelessly going back and forth with TransUnion about this matter, and it has caused me severe stress and XXXX 

I am a documented victim of identity theft, and I have provided TransUnion with an official police report to confirm this. Despite their awareness of my situation and the fact that someone continues to use my personal information to attempt opening fraudulent accounts in my name, TransUnion has failed to take the appropriate actions to protect me. 

Specifically, I have repeatedly requested that TransUnion freeze my credit report, but it remains unfrozen. The only way I have been able to access my TransUnion credit report is through third-party services like XXXX XXXX XXXX This lack of access and protection has left me vulnerable, and I am extremely concerned about the ongoing attempts at fraud under my name. 

The hard inquiries that were not authorized by me are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure the accuracy of the information on my credit report. These inquiries are not mine and were not authorized by me. Therefore, they should be removed from my report immediately. Despite my repeated requests, TransUnion has not provided me with proof that these inquiries were authorized, nor have they taken action to remove them. 

As a result, I am asking for your help in urging TransUnion to fulfill their legal obligations under the FCRA, including investigating these unauthorized inquiries and providing proof of authorization if they believe the inquiries are valid. If they are unable to provide proof, these inquiries should be removed without further delay. 

I appreciate your assistance in helping me preserve my rights under the FCRA and ensuring that my credit report is accurate and protected from further fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I reached out to the three credit bureaus and asked for method of verification for a Bankruptcy. They informed me that they got their information from the Bankruptcy court. I reached out to the bankruptcy court and they informed me by letter that they are not responsible for verifying or validating information from consumers credit files.