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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Noncompliance Under 15 U.S. Code 1681o Dear CFPB I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). The disputed items are outlined below : Disputed Items : XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance ( {$690.00} ) XXXX XXXX XXXX Opened XX/XX/XXXX Incorrect balance and account information ( {$890.00} ) XXXX XXXX XXXX XX/XX/XXXX Incorrect account / fraud Under 15 U.S. Code 1681o, credit reporting agencies are liable for negligent noncompliance with FCRA requirements. By law, you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days of receiving notice. I believe that your failure to maintain accurate records and address prior disputes demonstrates negligence, as described under this statute. 

To address this matter and avoid potential legal consequences, I am requesting : A full investigation into the accuracy of the disputed items. 
A copy of your findings, including the specific steps taken during the investigation. 
Removal or correction of the inaccurate information. 
Attached, you will find copies of documents supporting my dispute, including [ list attached items like a copy of your credit report with highlighted errors, billing statements, etc. ]. 

If you fail to comply with this request or provide a satisfactory resolution, I reserve the right to pursue all remedies available under 15 U.S. Code 1681o, which includes seeking damages and attorney fees. 

Please provide written confirmation of your receipt of this letter and your investigation results within 30 days, as required by law. You can send your response to my address listed above or contact me directly XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America closed my account without notice saying the " terms '' have changed. 

I was not notified or contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax XX/XX/XXXX attaching documents of my reaffirmation and my payment history reference car loan # XXXX with XXXX XXXX. I filed bankruptcy XXXX and signed a reaffirmation to continue my payments. My car payments are up to date. XXXX XXXX states it's there policy NOT to report once a bankruptcy has been filed regardless of a reaffirmation but yet they're taking my payments every month. Equifax closed the case XX/XX/XXXX stating the bankruptcy was filed correct. WTH! I'm not asking about the bankruptcy. I'm asking that my car payments be reported.
Product: Credit card or prepaid card

In XX/XX/XXXX, I paid for flights to XXXX XXXX, XXXX XXXX ( for XXXX in XX/XX/XXXX ) using XXXX XXXX Thank You rewards points and {$20.00} on my credit card. I purchased the tickets on XXXX 's XXXX website. At the time I used the points, each points was worth XXXX cents each if used for flights on XXXX XXXX, which means I was able to use them to purchase flights worth a total of {$990.00}. It took me a long time to earn {$990.00} in Thank You points, and I was relying on being able to use them at a value of XXXX cents each when I signed up for two Citi credit cards and paid the steep annual fees ( {$350.00} for one ) and used them instead of other credit cards for many purchases. 
After I traded in my points for flights, on XX/XX/XXXX, Citi reduced the value of its Thank You points, such that XXXX point is now only worth XXXX cents each if used to buy flights with XXXX XXXX. 
As everyone knows, XXXX XXXX devastated XXXX XXXX in late XXXX. XXXX XXXX had to cancel many flights, including ours. In XX/XX/XXXX I called XXXX to request a refund, and that refund was issued on XX/XX/XXXX. As the attached email from XXXX shows, the refund amount was {$330.00} for each of the XXXX tickets, for a total of {$1000.00}. XXXX says the refund went to a " XXXX ending XXXX, '' which must be the card that Citi used to pay for the tickets. ( I paid with points, and I never had a credit card with these last four digits. ) On XX/XX/XXXX, I called Citi to ask how I would be refunded the {$1000.00}. I said I would prefer a check. The agent told me the refund would be in the original form of payment - Thank You points and a {$20.00} credit card refund. I explained that I did not think that was fair since Citi reduced the value of Thank You points by 22 % after I used mine. The agent apologized and encouraged me to file a complaint online or with the CFPB, since there was nothing the agent or their supervisor could do to make up the difference for me. 
On XX/XX/XXXX, Citi credited the XXXX Thank You points back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by Experian Credit Bureau, and XXXX Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

In early XXXX of last year ( 2016 ) I began a home refinancing process with my local Chase Bank. At the outset of the process I was given a document to choose how I wished the monies in my impound account to be dispersed at the finalizing of the loan. The choices were to either use the funds in the paying off of the old loan or to have the funds reimbursed back to me in a check. I chose to have the funds returned to me. ( That document is attached in the number of documents I attached at the end of this process. ) At the signing of the loan documents on XXXX XXXX, 2016, I was shown that the balance of the mortgage loan at Chase was XXXX, XXXX. XXXX. Upon a call to Chase Customer Service Department, in late XXXX 2016, to inquire about the release of the those funds in the impound account, I was informed that those funds had been applied to the pay off of the loan Chase was giving me. I had no knowledge of the vast discrepancy in the payoff amount and was laboring under the apparent delusion that the funds in the impound account belonged to me solely and could not be used for anything except the paying of my property taxes and home insurance. I am XXXX XXXX XXXX and I believe I was taken advantage of. Chase did not fully disclose what was happening and I was left in the dark and am now out of the {$4000.00}, + dollars I believed were mind to do with as I please at the end of the refinancing process. Another thing, I was encouraged to fold the amount of my property taxes, due XXXX XXXX, 2016 ( {$3000.00} ) into the load so that closing could be expedited and was assured that I would recoup those funds in the refund of my impound account, an assurance given by the lender handling my loan and the person conducting the final signing, a representative of XXXX XXXX XXXX of California. In a document date XXXX XXXX, 2016, I discovered how the funds were applied to the loan. I remain disheartened and disappointed and angry that I was taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days.
Product: Debt collection

Javitch Block LLC is trying to collect a debt that is not mine and a result of identity theft. Furthermore, this company is attempting to come off as if it's a court sending the notice which is illegal. 

XXXX XXXX, XXXX can request copies of my identity theft report from XXXX XXXX Police by filing an open records request for it.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAVE ONE LATE PAYMENT ON AN ACCOUNT THAT WAS IN FACT PAID ON TIME. THE CONSUMER REPORTING AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON ANY PAYMENTS. IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT. IM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Product: Credit reporting

My Department of Education loan has been in income based deferment since it became due in XX/XX/XXXX. The status has always been positive till XX/XX/XXXX, when it is showing 3 late payments. I have contacted Dep of Education / Navient with this issue. They stated that the error may have happened when the loan transferred from XXXX XXXX to XXXX and while I was on the phone with XXXX representative, she made the proper corrections with all XXXX credit bureaus and also send me hard copies of the account status and a proof of our communication. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to TransUnion during XXXX different disputes, but the report remains unchanged. TransUnion keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from Department of Education. TransUnion is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Product: Debt collection

Someone showed up to my parents old house, claiming to be a debt collection lawyer and that I owed them. I do not live there, and they told the person they talked to that I owed them money, and were a debt collection attorney. While it may be an actual attorney, I doubt they would send one to an old address.
Product: Debt collection

I am unaware of any dealings with the original creditor of XXXX XXXX XXXX XXXX  XXXX or the current creditor of XXXX XXXX XXXX ; nor do either of these creditors appear on my credit reports. 

It is my belief that this alleged debt is either well outside the collections statute of limitations and attempted to be collection outside of FDCPA laws or is fraudulent. I require that XXXX XXXX XXXX provide documentation which includes my signature that shows I in fact authorized this alleged debt. That said please consider this my formal notice that I dispute the validity of this alleged debt and any additional collection attempts during the debt validation period of 30 days will be reported as a violation of the FDCPA and I will leverage all available legal remedies.
Product: Student loan

I am a  XXXX  and I qualify for   XXXX   XXXX   XXXX   .  Navient has repeatedly delayed this process. I submitted the paperwork in the fall of   XXXX   and was told that I would need to wait about 90 days for the company to look over the paperwork. I asked multiple representatives if I had the correct information on the forms and was told that they did n't see any errors. I taught at  XXXX  different districts so I needed to obtain verification from both districts.   3 months later I was told that I completed the paperwork incorrectly. I was supposed to get the  XXXX  to verify my employment. So, I resubmitted my forms with the  XXXX  's signature after again verifying with the representative that there were no other errors. I again had to wait for months. I then received another denial letter stating that I filled in the loan holder name and I was supposed to leave it blank. I, once again, ask the representative if this was the only error and was told that it was. I resubmitted and waited months for a response.   After not hearing back, I decided yesterday to call  Navient  to get an update. The representative told me that there was another error with my paperwork, which they had just discovered, and again it was denied that day. They said that the dates of my employment with the districts overlapped so I need to resubmit my forms. This is the information that the districts themselves provided and again I have asked with every subsequent denial if there were any mistakes.   This has been ongoing for many, many months. As I wait to find out if it is approved I continue to pay interest on the full amount of my loans.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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.
Product: Credit card or prepaid card

I have a prepaid Bank of America Visa card with about {$40000.00} on it as a result of California pandemic unemployment payments. 

Bank of America will not permit me to take the balance of all funds from the card and deposit same into my checking account at another bank. 

They will only permit periodic transfers of {$3000.00}. 

After calling Bank of America, I went to a Bank of America branch oXXXX XXXX in XXXX XXXX, California and the teller with whom I spoke asked me if I had an account at Bank of America ( no ), told me that there was a limit on my ability to withdraw from the card and that I need to get my bank, XXXX XXXX XXXX XXXX, to transfer the funds from the card into my account. I went to XXXX XXXX XXXX XXXX this week, after Bank of America, and was told that Bank of America has to transfer the funds. 

I spoke with Bank of America over the telephone twice and got different information each time. 

This seems to be an unfair business practice since Bank of America will hold onto these funds, pay no interest, until I can serially remove {$3000.00} a week from the card until exhausted. 

I read the " California Employment Development Department Digital Account Agreement '' ( effective XX/XX/2020 ) and it says nothing about a limit. In fact, it states that one can close the account by requesting a check for the balance and paying a " paper check fee. '' Please see what you can do to allow me to close this account and deposit my funds into XXXX XXXX XXXX XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. Huntington National Bank states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX  has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Product: Debt collection

My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against HSBC for damaging my credit report. Account number XXXX belongs to my ex-husband XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to HSBC to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account.
Product: Checking or savings account

XX/XX/XXXX, i deposited my paycheck, XX/XX/XXXX, Saturday morning i checked my account i don't see my money at all, i checked thoroughly first for it before i did anything else, i went to the bank that morning when it opened, i talked with a bank teller she printed me a paper displaying that Nothing was deposited into my account, the amount is {$600.00} is my paycheck amount, so once i got home i contacted my bank she said the something then told me differently that i should wait until monday and it will appear in my account, also i into logging into the app and wrote my complaint it only said we see that you talked with an teller already the issue is there anything else we can help you with today. So monday is here monday, XX/XX/XXXX, and i still don't see my check. Only the money i deposited last night.l
Product: Mortgage

I bought a house on XXXX of XXXX thru XXXX XXXX  on XXXX of XXXX. Without been informed my loan was switched to Selene Finance Mortgage which for them it shows my payment late since I had sent the payment to the original XXXX  XXXX. I been paying {$350.00} ( principal {$440.00}, interest {$2500.00}, escrow ( taxes & insurance ) {$800.00} ) monthly but yesterday I got a new statement with a new monthly payment {$6100.00} when I called them today to explain why almost double with less than a month being.
Product: Debt collection

After checking my credit report on or after XX/XX/XXXX, I noticed that mcm placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. I made several attempts by contacting MCM by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. THIS IS A OLD BARRING DEBT FROM XX/XX/XXXX. I DID NOT RECEIVE A NOTICE OF RIGHT TO DISPUTE THE DEBT. THE COLLECTOR ONLY MAILED AN OFFER OF SETTLEMENT.
Product: Checking or savings account

XX/XX/XXXX around XXXX going for a run and my truck got broken into taking my wallet and spending roughly XXXX dollars on my card sent proof to chime bank that it was stolen with a police report and its just been denied for the 3rd time