23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since I am selling my house, I requested the payoff letter to the lender ( Astoria Bank ) several times. The lender sent me the letter but it did not indicate the payoff amount clearly for XXXX recapture loans that were filed by the lender. So I asked to indicate them on the letter and also asked the details of how the lender came up the amount for XXXX recapture loans. The representative could not explain the details and kept saying the lender do not have the record of XXXX of recapture loans. Also, she did not let me talk to the person who has better understanding of this. She told me that she will note it on my file and it will take another 14 days for further investigation which I requested almost a month ago. If I do n't receive the payoff letter within 24 hours, I have to postpone the closing or I may lose the buyer. then, I also may lose my down payment of new house. The lender will ruin my life. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX 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 these inquiries does not belong to me.
Product: Credit card

Chase Bank has notified they are closing our credit card due to a " publically reported financial investigation ''. No such event has happened. 

Upon calling they will not give any information other than we have to send a letter to appeal, but there is nothing they can do.
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ On XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XX/XX/XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See XXXX XXXX    XXXX XXXX XXXX , XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ). 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection on a disputed debt that had not been validated. 

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

They stated they would get back in touch with me. They illegally did a hard pull on my credit when the website clearly stated everything was a soft pull. They are misleading XXXX  of customers with this false advertisement affecting credit. I never agreed to a hard pull and and never stated that on their website at all. I immediately told them when they called me that I did not want to get a loan with them because this is deceptive.
Product: Credit reporting or other personal consumer reports

EXPERIAN YOU ARE THE ONLY BUREAU REPORTING THIS ACCOUNT INCORRECTLY. IF XXXX IS REPORTING AS PAID OVER THE PAST YEAR -- - SO, SHOULD YOU. WHY ARE YOU REPORTING FALSELY? I DEMAND IMMEDIATE UPDATE TO OK STATUS.
Product: Credit reporting

I originated a Mortgage Loan with XXXX XXXX XXXX in XXXX XXXX, filed for Bankruptcy in XXXX XXXX, and the loan was discharged. The lien survived and was attached to the property. XXXX XXXX XXXX has been reporting inaccurately on my credit report, they are reporting Date Reported XXXX XXXX, this has to change to reflect the Bankruptcy Discharge of XXXX XXXX. I have attempted to resolve this issue for over a year and nothing has been changed. The inaccuracy has been effecting my credit and have not been able to obtain better credit offers.
Product: Credit card or prepaid card

We booked several flights and a XXXX in XXXX at the start of the coronavirus pandemic. These flights were cancelled by the airline but were not fully refunded. We never requested any other form of cancellation except for our money back. The airlines and the credit card company did nothing to help resolve the issue. The XXXX host never once contacted me at any point. 

Companies involved : Capital One - they did not dispute the credit card transactions XXXX - they refunded only one-way of our round trip tickets and refuse to refund more. I only ever asked for a full refund. Amount remaining that was never refunded : XXXX. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - they refunded the flight, but refuse to refund the cost of a seat assignment. Amount remaining that was never refunded : {$61.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - the host never once contacted me about any changes or lack of changes due to covid. Amount that was never refunded : {$550.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 

For details about dates, amounts, and actions please refer to the attached pdfs which were both sent to Capital One. I am deeply disappointed to see that my transaction dispute was denied.
Product: Credit reporting

While checking my credit report, I noticed TransUnion has telephone numbers listed that I demand be removed from my credit file. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX
Product: Money transfers

I recently ( today ) had to make an online transfer from myBank of America account to a International German account. 
I always relied on good service and integrity of the bank buttoday just really made me very upset. I checked the nationalexchange rate for XXXX euros and its XXXX dollars. I checkedseveral other currency exchange online and they all say onon or about XXXX dollars. I made a XXXX euro transaction andBank of America says it is XXXX dollars. " Their '' currencyexchange is really XXXX dollars more?? It is honestly pathetic. 
I did not looked at this before, I did not know this was thetype of services I was getting provided. It is unfair for thepeople whomake an honest living getting cheated this way.
Product: Mortgage

I have made principal payments to Chase which they did not apply to principal. Rather, they said they considered it " advance payments. '' I need these payments applied to principal retroactively. I have spoken to the executive branch there, have been promised return calls but have heard nothing. I need the proper principal amount as I have an ARM and my monthly payment now is being calculated on a higher principal amount.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Account Request for Investigation Dear CFPB, I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I request your assistance in investigating and resolving this issue. Below are the details of the fraudulent account and the unauthorized activity : 1. Account Details : Account Holder Name : [ XXXX XXXX ] Account Number : [ XXXX ] Financial Institution : [ XXXX XXXX XXXX XXXX XXXX ] 2. Description of the Issue : XX/XX/XXXX ], I discovered that an account had been opened in my name without my consent. I did not authorize this account and have not engaged in any transactions related to it. This fraudulent activity has adversely affected my credit score and caused significant distress. 
3. Actions Taken : Reported the fraud to the financial institution on [ XX/XX/XXXX ]. 
Filed a police report on [ XX/XX/XXXX ] ( Report XXXX : XXXX ). 
Contacted the credit bureaus and placed a fraud alert on my credit report. 
4. Supporting Documentation : I kindly request that the CFPB investigate this matter promptly and take the necessary steps to resolve this issue. Please remove the fraudulent account from my credit report and ensure that no further unauthorized activity occurs. 

I appreciate your attention to this urgent matter. Please confirm receipt of this letter and keep me informed about the progress of the investigation. Should you require any additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. 

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

Since XXXX 2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown accounts and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question are two accounts with XXXX XXXX Account for XXXX XXXX  the amounts are {$1300.00} and the other one for {$2400.00} for an authorized/unknown account.
Product: Vehicle loan or lease

I XXXX XXXX have an issue with the company Priority buy here pay here located in XXXX on XXXX XXXX. Please help me. They sold me a car in XXXX and after 5 months the cars transmission went out. They kept my car for a week and when I got the car back on XXXX the XX/XX/XXXX, the car started leaking transmission fluid and gave me the same issues before I took it to them. They gave me the car back from them and stated after they assumed to fix the transmission that I needed an oil change. I asked them to do everything they needed to do to fix my car and they did n't. They stated I did n't need the passanger window to roll down in order for them to inspect it. They also stated that " it woulda been more money for them to fix the flickering lights on the inside of the dashboard. They also stated that they were no responsible for the car. Not only did they not fix the transmission, they sold me a lemon. As soon as I purchased the car I was having some electrical issues with it and could never get a hold of anyone to assist me with doing so. Finally once I submitted a notice online on their website they called me back about my issue. I still had to purchase a rental car for a whole week totaling XXXX dollars. I can be reached at XXXX.
Product: Debt collection

bloomingdales XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX has violated my rights15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card or prepaid card

In XXXX we made a purchase with Raymour and Flanigan for {$420.00}. We never received a paper bill in the mail and when we called to pay it they told us it was in collections. We also found that they assessed a {$15.00} late fee and {$9.00} interest. We mailed a check for {$430.00} and were told the late fee was reversed. We recently received an email from TD Bank ( the credit card company ) so we checked the account. We found that they never reversed the {$15.00} late fee, added more interest {$7.00} after the account was paid in full, another late fee, {$1.00} and more interest, {$1.00}. To this date and 3 billing cycles later, we still have never received a paper bill as required under the terms of service. We are not signed up for paperless billing. We spent 45 minutes on the phone with TD Bank on XX/XX/2020 and could not resolve the issue. They refused to address the problem and refused to honor their terms of service. We want this investigated and we want TD Bank to credit the remaining {$24.00} due to XXXX the balance on the account. This error is not caused by us. We paid the bill due and even the interest that was first assessed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take the necessary steps to remove these fraudulent items from my credit file immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( cfpa ). Specifically Cash app failed to take address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund Transfer and Regulation. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I placed several pre-orders for shoes via XXXX using the debit card linked to my business checking account. Despite having clear evidence that the merchant failed to fulfill the orders, Bank of America has repeatedly denied my claims, citing a policy that disputes can not be processed after 60 days. In contrast, other banks have resolved similar claims in my favor within just a few days after investigation.
Product: Mortgage

I filed a complaint with the CFPB on XX/XX/XXXX, complaint XXXX. The lender responded with mortgage documents from the origination of the mortgage. Upon conducting our own research we found a modification recorded with official records XX/XX/XXXX. The modification gives a fixed rate of XXXX XXXX We would like clarification that in a subsequent modification review, the loan reverts to the origination paperwork and not the modified paperwork. We have attached the modification for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital 1 account is active and should have not been deleted from my credit history it was a current account in which I made monthly payments please restore my account info back to my credit
Product: Student loan

My student loan company ( Navient - formerly XXXX ) will not help me to reduce my monthly payment amounts. They let me know that they do not reduce them for private loans, but that I could submit a federal loan monthly payment reduction. I submitted an application 3 times to the government site and have not heard back ( last submission was in XX/XX/XXXX ). Navient is charging me {$1000.00} per month and kept pushing me into forbearance. Forbearance is no longer an option and they have not offered any assistance to get these under control so I just keep accruing interest of 6-9 %.
Product: Student loan

I was called by a so called student loan serviced who had access to my information. They then offered to consolidate my loans if I paid {$800.00} up front and then paid {$39.00} a month to lower my payments. Not a single dollar amount that I paid has been reduced from my student loan debt and the worse part is that they are still charging my bank account {$39.00} a month and it has been 3 years and I can not stop them from taking the money out of my bank account. The bank said they are unable to help me with this issue.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent  such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Credit reporting agencies violating HIPPA LAWS y illegally reporting illegally obtained medical information from a 3rd party without my consent.

Violated FCRA 15 USC 1681 Section 602a Right To Privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 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 accounts 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 this items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.