23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute concerning a {$210.00} charge from XXXX. I cancelled service with XXXX in XXXX and received a XXXX label from XXXX to return the modem, cord, and transmitter. All three were returned to XXXX on XX/XX/XXXX via tracking # XXXX and received by XXXX on XX/XX/XXXX as you can see from the proof of delivery. I had to call XXXX again on XX/XX/XXXX to find out why they were charging me {$210.00} ; they claimed they never received the transmitter, even though it was in the same box as the modem and the cord. You can clearly see the transmitter in the box in the photo I took when I packaged it up. XXXX assured me a refund would be issued. Instead, Citi reversed the conditional credit on XX/XX/XXXX and asked me to send in documentation supporting my dispute ; I sent Citi the photograph as well as proof of delivery on XX/XX/XXXX ; the document shows as being received by them in their " dispute center ''. I'm unclear what additional evidence would be required from them, and it appears to me that not only was zero investigation done on their part, but they also clearly didn't review the documents provided by me. I signed the letter requested by Citi and again sent the proof of delivery via fax # to them XX/XX/XXXX. I have been a card member since XXXX with Citi, and have had to waste hours now getting this resolved.
Product: Student loan

Navient held my student loans and through advise to take deferments rather than an income based repayment plan My loans balloned to over XXXX dollars. Navient then gave my account to XXXX, a collection agency who demand payment that could not be made, reported my account as in default to the credit bureaus and garnished my social security check. Multiple phone calls and letters trying to arrange a reasonable payment plan produced no results from XXXX. Then XX/XX/2015 my account was mysteriously return to Navient for servicing ; the process started again. I then consolidate my loans with XXXX to avoid having to deal with Navient. Due to their complete and total mishandling of my loans my loans have soared to over XXXX dollars. This has destroyed my credit rating and has made it impossible to buy a house or even a car at reasonable interest rates.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, identified by account number XXXX, on my credit report maintained by XXXX, XXXX, and Experian. Upon reviewing my credit report, I discovered this item which inaccurately reflects my credit history. I respectfully request the immediate removal of this erroneous entry in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The XXXX XXXX XXXX account is inaccurate for the following reasons : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** According to Section 611 of the FCRA, consumers have the right to dispute any inaccurate information on their credit reports. The inclusion of this XXXX XXXX XXXX account, which I believe to be erroneous, violates my rights under this federal law. 2. **Inaccurate Reporting : ** The reporting of the XXXX XXXX XXXX account is incorrect. I have never had an auto loan with XXXX, nor have I authorized any such account. Therefore, this entry is patently false and must be rectified immediately. In light of the aforementioned violations and inaccuracies, I demand the immediate removal of the XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report. I also request written confirmation of the removal once the investigation is complete, as per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, inquires XXXX- XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY has violated my rights. 

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 an account without my written intrusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX. Account # XXXX has violated my rights. 

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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

I took out a mortgage with First Federal Savings on XX/XX/XXXX which a mortgage was recorded. On XX/XX/XXXX another copy ( same loan number ) of the mortgage was recorded with XXXX as the servicer. I refinanced and the mortgage was paid off and a discharge was recorded for the First Federal Savings mortgage but not for the XXXX Mortgage. It is my understanding that US Bank was the servicer at the time of the discharge. I have since refinanced again and now have sold my home. We requested a discharge back in early XXXX XXXX of XXXX in anticipation of selling my home and did not receive confirmation of the discharge but rather that " it would be processed and completed. '' We had a {$500.00} holdback in escrow in order to sell the home with the reliance that US Bank would timely record the discharge. Now XXXX ( XXXX ) years later, MANY emails and calls to US Bank, XXXX  and XXXX XXXX with promises that the mortgage would be discharged and recorded. 
It is now almost two months since the closing date of XX/XX/XXXX and we still have not received a discharge for the XXXX mortgage. I have written to US Bank as well as my attorney and now am receiving radio silence. I let them know last Monday, XX/XX/XXXX that if they did not respond by XX/XX/XXXX, I would be filing this complaint and I still have not received a response.
Product: Mortgage

Dovenmuehle mortgage has been reporting erroneous and inaccurate payment history to all 3 credit reporting agencies. On XX/XX/2021, sent two separate formal emails per their protocol asking them to remove derogatory and inaccurate reporting and they promised to conduct investigation and remove if erroneous, but no investigation has been completed and we are passed statutory 30 days. 
They are in violation of Federal law and need to be reprimanded. Thank you!
Product: Credit reporting or other personal consumer reports

noticed my credit score dips up and down with no one to give answers as to why. contacted all three credit agencies, but no help was supplied, I was either given only non english speakeing persons or Al qustions that didnt pertain to my questions. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Publishing this description will not affect how the CFPB handles your complaint.

( VPN ) 96 % Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 
Learn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, XXXX  - XXXX ( except
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 timely and effective measures to prevent and 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 act ( EFTA ) and regulations e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

They closed all of my accounts back in XXXX for no reason. I asked why and they said they had the right to refuse service. I asked for specifics and she was really a XXXX about it and gave me no info. Then a few weeks later they want me to open new accounts, so I do, and now theyve closed them again. I deposited my paychecks and bought gas and they treat me like Im XXXX  XXXX. I had hundreds of dollars of rewards saved and I was planning to use them, they just confiscated them. Ive never missed a payment. I suspect theyre just doing this so they can get me to open new accounts in the future so they can lie to the shareholders about how the company is growing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the negative item removed from my Experian report ..it has met the longevity requirements and needs to be removed .has been deleted form previous credit agency
Product: Credit reporting or other personal consumer reports

So Experian continues to use false dispute tactics, they refuse to provide me with details on how these inquires were validated, instead they keep send me unable to honor request emails or letters. I see why they have pending law suits against them, because they refuse to do there job.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1692c ( c ), it is explicitly stated that upon the consumer 's notification to a debt collector of heir refusal to pay a debt, the debt collector must cease all communication. As such, I am exercising my right to request that all communication, whether in writing or by telephone, cease with immediate effect.
Product: Checking or savings account

On XX/XX/2020, there're 4 tax payment ( grouped ) hit on my Chase business checking account, however, my funds in the account is insufficient, so Chase had charged me the over-drafting fees for a total of 4 times. ( 4 x {$34.00} ) I understand there will be penalty for insufficient funds, however, the fees should not be charged multiple times within in a day! It's not fair to charge that for a group of unrealized tax payments hitting the account at the same time. 

Chase had tried to made it into a reasonable case that they had refunded me such fees before so they can not do that again and it could go up to 6 times a day for over-drafting fees. Again, I want to definitely file this complaint as this is absolutely not fair to charge it for multiple times, if I fail to keep the balance for one time I will take the penalty for one time, but not multiple times within a day! how would I know how many transactions will hit for the same time at one day as a busy small business account? That's ridiculous! 

As a five years old customer with Chase they did not even get that resolved for me. Please be aware of the big drawback for using Chase as small business account!
Product: Credit card

I bought a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX had a financing plan with XXXX, which issued the credit card. The financing was offered by XXXX. 2 years no payments, then payments. The 2 years ended in XXXX. I was switched to automatic payment in accordance with the plan. Because the loan was not paid in full, XXXX is now charging me about 30 % interest for over two years. XXXX says that if I paid off the loan two weeks ago, in XXXX, there would have been no interest. I just called XXXX and said I would pay off the loan in full now but did not want to pay interest because that was not was said to me. XXXX refused. The interest costs nearly as much as the XXXX. 

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

I checked my credit report and I noticed numerous violations and inaccurate information on my credit report and then proceeded to contact the credit reporting agencies that were reporting the violations and inaccurate information but they did not fix the numerous issues.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Certified mail to Southwest Credit collection, XXXX, XXXX, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, a person applied for credit cards using my information and I ended up getting 3 inquiries yet I didnt apply for these. This person applied to three different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.
Product: Debt collection

I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX  XXXX  for an auto loan that they charged off on XXXX. Renasant Bank then merged with XXXX XXXX  after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid XXXX for right off on taxes a two for money out my pocket.
Product: Checking or savings account

Good day, I'm from XXXX but I've been working onboard a XXXX XXXX XXXXXXXX XXXX  for more than two years and for that reason I have a North Lane account. Last month I had an emergency back home with my family so I resigned. However, I don't know what happened with my North Lane account, but it's not working anymore. 
I have some friends and they warned me about it.They said once we leave the ship, they 'cancel ' our account, so we are not able to use this account. However, I spoke with the financial manager before I resigned the ship, to make sure I'll be able to use my account and they said that it's not a problem. 
My problem now is : I have a XXXX account and I need to send money from North Lane to XXXX. For that, I need to add a new bank account ( XXXX XXXX on the north lane website. But for any reason, I can't do it.

I sent more than 5 emails to north lane support, I've been talking with north lane support via XXXX  for more than two weeks and the answer is always the same. I sent a screenshot with the error message, my passport photo and all the information they need and they say 'wait for 1-2 business days '. I've been waiting more than two weeks JUST TO ADD A NEW ACCOUNT IN MY NORTH LANE ACCOUNT TO SEND MONEY TO HELP MY FAMILY WITH MY XXXX  ACCOUNT. I don't know WHY it is so complicated. 
A lot of people have problems with this north lane. They never help us! Please, I need to send this money ASAP. 
I even sent them the XXXX account information, so at least they could add this information, but NO, they can't do it, So please, may you help me with this? It's a simple problem, I just need to add a new bank information on my north lane account to send my money. 
This is disrespectful with us. I'm very upset with this bank and I would like an answer. 

Can you imagine if it was you? You worked more than 2 years to save so much money and when your family needs you, you are not able to send money because your bank canceled your account, because you are back home now, and not in the USA.

I have emails and XXXX conversation with them. When I send an email, they answer 'send us a XXXX  ' Thanks.

Ps. I saw a black space to add my account number but I don't have this information, because this is only a salary account so I never used this information before. I tried to find in the north lane website but there's not my acocunt number there. I only have my card number and I don't know if is possible to find my information with my name/email adress or something like that.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.
Product: Checking or savings account

XXXX date XX/XX/XXXX, for the amount of XXXX. 

Was told that the server issue was fixed and they are not sure why I haven't gotten my deposit. 

They said they are unable to see it and have put in a claim and stated they don't know when they will have information. Today is currently the XXXX and still haven't received my direct deposit. 

Claim number for capital one : XXXX
Product: Debt collection

I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. 
I just do not know what else I can do, pay Focus again??? 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 7 accounts in 2 FTC report with accounts and inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

From XXXX, I have disputed incorrect items. IMMEDIATELY after submission, even if I disputed Sunday at XXXX, I get a this item is valid notification and they will not let me re-dispute. This XXXX XXXX XXXX  is not a real review. I have an item, reportedly from XXXX XXXX alleging a debt, which I have repeatedly asked for validation of debt from them and the original Company, XXXX, to prove. They have yet to provide this information and it has been well over 30 days ( XX/XX/year> was original dispute date directly with company, collection agencies and All 3 Credit bureaus ). I disputed to hopefully get help from the bureau, which no help has come. I, as of todays date, am not allowed to dispute again, experian OR equifax even though XXXX DID fo an investigation and promptly removed the alleged debt collection. Therefore, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed and ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Company never sent notice about debt. I just kept receiving calls from an unknown number without them leaving a voicemail -- it seemed scammy. I didn't realize who they were until it was reported on my credit report. I finally settled out with the company and I have a recording of the representative stating they would do a pay to delete. They pretended they weren't able to send me a pay to delete letter until I got off the call and the letter they finally sent did not state what was promised over the phone which was a pay to delete. Also after I settle out with them the address they reported on my credit file was not even correct which led me to believe they never had official verification that the debt even belonged to me.