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

I financed a purchase through Best Buy in XX/XX/XXXX using my Citi Best Buy Card that I've had since XX/XX/XXXX. I have not used the card in years. Last month, while reviewing bank account charges on my account personal account, I noticed 4 'auto debited ' checks that were made to Best Buy. When I called the number listed next to the charges, Citi indicated that the were debt protection charges. I told them that I did not agree to debt protection, and requested that they cancel the subscription to the service and refund my money. Citi responded that the refund would take a few weeks to process. I then went and noticed the same changes in XX/XX/XXXX. I waited a month to see if the refund was processed. I logged in and noticed that Citi emailed a pdf letter stating that the charges were from a service I purchased in XX/XX/XXXX. I immediately call Citi and stated that I never purchased any debt protection, nor did I agree to it. I also stated that I haven't used the card in years and requested to speak to a manager. Citi indicated that this was an issue with the 3rd party and refused to discuss it with me. I noticed online that this has happened to many people. I never agree to any debt protection service, nor did I purchase debt protection. This is completely fraudulent on Citi 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a XXXX Credit Card for XXXX XXXX. I came back denied because Transunion had incorrect information on my credit report and XXXX could not validate my identity because of it. I call Transunion and they said they were sorry for the correct information and I went over everything over the phone and they said they now corrected all the information. I got a Hard Inquiry on my credit report because of it. I ask Transunion if I applied for credit for a different XXXX XXXX  XXXX now that everything it fix I should be fine correct? They said yes. On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  XXXX and I got denied for basically the same reason and another hard inquiry on my credit report. I made a claim to the CFPB for the XXXX Credit Card regarding this and my Hard Inquiry and requested that the Hard Inquiry get removed. Transunion just responded on that claim and said sorry for the issue and removed the Hard Inquiry. Since my XXXX XXXX application was the same problem and Transunion assured me everything was correct on my credit report and applying for the new credit will be no problem and I got denied based on Transunion incorrect info. I request that Transunion removes the Hard Inquiry for XXXX XXXX XXXX XXXX  from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. Account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/1926 and XXXX have tried to get Chapter XXXX Bankruptcy removed due to TransUnion pursuant FCRA 611 as requested METHOD OF VERFICATION AND NAMES AND DOCUMENTATION OF WHOM THEY SPOKE WITH and documentation along with their method they say they verified with Courts ; however courts do not verify information with third party entities. I requested from Recorder of Deeds asking them how this bankruptcy was verified and they stated with a letter that they do not verify bankruptcies with third party entities ; however public records could verify bankruptcy information. However their are inaccuracies with the third party vendor and Bankruptcy court stated due to PRIVACY LAWS they can not update information ; therefore credit bureaus would need to verify with PURSUANT TO FCRA 623 ORIGNAL FURNISHER ( THE COURTS ) WHICH CAN NOT BE DONE THEREFORE THIS CHAPTER XXXX BANKRUPTCY NEED TO BE REMOVED IMMEDIATELY! ARE FURTHER LEGAL ACTION WILL NEED TO BE TAKEN DUE TO VIOLATING MY CONSUMER RIGHTS. I have faith that TransUnion will honor THE FCRA guidelines as well.
Product: Student loan

I attended The XXXX XXXX in XXXX MA from XXXX to XXXX to attain a Certificate in XXXX XXXX. The XXXX XXXX was aka XXXX XXXX for XXXX XXXX. The Attorney General of Massachusetts closed the school down and charged them with fraud shortly after I graduated. They were convicted and forced to close down all their locations in XXXX. The certificate I obtained did not help me in any way to attain employment and I have had the loans gathering interest for almost 15 years now. I have applied for loan forgiveness on the FSA website but my application is still pending from over a year ago.

I only seek to have my loans forgiven as they were convicted by the District Attorney of defrauding and misleading students.

I owe approximately {$9000.00} to Nelnet, on a total of 4 different loans.
Product: Credit reporting or other personal consumer reports

Collection Agency Name : XXXX XXXX  Account Number : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX XXXX ( this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! ) Collection Agency Name : XXXX XXXX XXXX this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Mortgage

Hello, I had a mortgage with XXXX XXXX 's bank which they transferred to Dovenmuehle servicing starting on XX/XX/XXXX. I subsequently sold the property and paid the account in full on XX/XX/XXXX. 

Two days after that closing, Dovenmuehle incorrectly pulled the standard payment of {$1900.00} from my account. They have yet to return that money or the remaining funding in escrow of {$3500.00}. Today is XX/XX/XXXX, nearing three months since the payoff of the mortgage. The total funds they owe me since closing are in excess of {$5500.00}. 

I have called and spoken to Dovenmuehle 's representatives, with escalations to their management, in XXXX, XXXX, XXXX, and XXXX of this year. XXXX XXXX refuses to engage. In each call with Dovenmuehle I am promised cashier 's checks by mail or alternatively now wire transfers. However, I never have received the money nor an explanation as to what is wrong. Each time I call I start from the beginning, and they refuse to give a direct number/extension/ contact name with whom I can drive the topic to closure.
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 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  ], has violated my rights. I looked at my TransUnion credit report XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( 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: Vehicle loan or lease

My credit report still shows the full amount of my loan even after the vehicle was sold at auction in 2020. They are still charging me the balance that was owed when the vehicle was repossessed.
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required documents include a photo ID, a recent utility bill, and a letter from an advocacy group supporting me due to debt bondage related to XXXX XXXX. This situation is recognized as trafficking under the XXXX-Debt Final Rule ( 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) ). I respectfully request that you remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the necessary information from the list of acceptable items, of which only XXXX are mandated by law. Additionally, I have included all required documentation, including a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Debt collection

LVNV Funding LLC {$740.00} was sent a letter on XX/XX/year> and XX/XX/year> requesting debt validation with their company stating that a contract was never signed with this debt collector for any debt. Please provide proof, they have not sent anything showing proof from the original creditor.
Product: Credit reporting or other personal consumer reports

12 CFR Part 1022 [ XXXX XXXX. XXXX ] RIN XXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) AGENCY : Consumer Financial Protection Bureau XXXX 
ACTION : Final rule. 
SUMMARY : The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.
Product: Checking or savings account

At XXXX I received an email from Credit Karma Spend stating my account was locked due to protection concerns and to contact customer service. I contacted customer service twice at XXXX XXXX  and XXXX XXXX. Both calls the representative was able to fully authenticate me as the owner of my account, but refused to explain why my account was closed. They did not attempt to verify any suspicious activity as was reported and continued to direct me to wait for an email from a higher department. I was not offered the chance to transfer my funds to an available account and I was told the only option is to wait on an email and full account closure in 7-10 business days with absolutely no explanation.
Product: Checking or savings account

The M & T Bank didn't keep record of the balance of my account, nor have records of my transferring out of the account. The result is that I couldn't see the scheduled transfer. So, I used XXXX to transfer money out of my account. It turns out, the Bank transferred my prescheduled transfer without deduction balance from my account. There was not any record under the tab of transfer history. So, I transfer money out the account. Then, the bank withdraw the money from my other bank account, charged me a fee for insufficient balance. 

The insufficient fund was caused by the bank since it should have had updated my account balance and keep a record of transfer so that I can see what's going on. 

I contacted M & T for the refund of fee, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached I am making these complaint on behalf there is no third party involved this is not a mistake nor misrepresentation
Product: Debt collection

ARS Account Resolution Service account # XXXX Creditor XXXX XXXX XXXX XXXX XXXX PA Amount {$1500.00} date XX/XX/17 I sent a certified letter asking to validate my debt because I have the right to have it validated. They failed to do so by sending me a letter in response with what I owe and has my name on it. That is it. 
I'm asking to have this debt removed from all credit bureaus that this debt is reporting to. They failed to validate my right as, Fair Debt Collection Practices Act, section 809-Validation of debts [ 15 USU 1692g ].

Thank you. 
XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, Community Loan Servicing ( FKA Baywide Loan Servicing ) Provided a response to my original complaint ( Reg # XXXX ) indicated they are working through an internal process to see if I am considered a successor in interest or, in the alternative if I can complete an assumption package. 


However, Community Loan Servicing LLC did not indicate that they would stop all foreclosure action on my home while their review is in process. This is unfair, unethical and I am asking for confirmation that foreclosure action be stopped while this detailed review and solution process is being worked through. 

As an important note, Community Loan Servicing LLC was fully aware of the transfer of ownership well before my complaint. Please hold all foreclosure action.
Product: Mortgage

RE : URGENT ATTENTION FORMAL COMPLAINT AGAINST SWBC, SPECIFICALLY LOSS MITIGATION FALSE STATEMENTS AND WILLFULL DENIAL OF PREVIOUS CLAIMED RECEIVED DOCUMENTS TAKING EXPEDIENT ACTIONS TO FORECLOSE ON MY HOME QUALIFIED WRITTEN REQUEST, ERRORS NOTIFICATION AND REQUESTING PULL ALL CALLS ( CALLS ARE RECORDED FOR QUALITY ASSURANCE ) MADE BY BORROWER TO SWBC TO VERIFY CLAIMS NOTED IN THIS FORMAL COMPLAINT To All Parties Listed Above : I am  submitting this formal complaint after receiving the devastating news today from SWBC Loss Mitigation, that my Loss Mitigation file was closed on XX/XX/2018 and my home is in Active Foreclosure Status with a law firm to sell me home, based on the blatantly false statements that I did not respond to their written communication and that I did not submit requested additional documents. I received a Letter that is attached that falsely has written that two letters were written to me, the dates of the letters are not provided in the letter, and that I did not submit the additional documents, and therefore SWBC would be unable to complete my application and evaluate it for any HomeOwners Assistance Programs. 
I HAVE MADE IT ABUNDANTLY CLEAR BOTH VERBALLY AND IN WRITING THAT MY INTENT, GOAL AND EXPECTED RESULT IS TO KEEP MY HOME VIA A LOAN MODIFICATION APPROVAL FROM SWBC MORTGAGE. I AM A VETERAN AND I WORKED HARD ALL OF MY LIFE TO OBTAIN THE AMERICAN DREAM, AND A MEDICAL EMERGENCY CAUSED MY HARDSHIP AND SWBC 'S ACTIONS ARE CAUSING BARELY HEALED HEALTH ISSUES TO NOW CAUSE ME MORE PROBLEMS!!!
Product: Debt collection

XX/XX/XXXX I was targeted by a collection agency I C System for a balance of {$250.00} for a debt that was originally issued by XXXX XXXX XXXX  I was XXXX during the time an i did NOT authorize anything in my own name with XXXX XXXX XXXX a family member used my SSN without my knowledge being a teenager an was unaware until XXXX
Product: Credit reporting or other personal consumer reports

Credit bureaus are telling me that Newrez did not disclose to them that Newrez did indeed receive a partial payment within the normal time frame for the month of XX/XX/year>. That partial* payment was actually a full payment less the PMI fee. 
Newrez 's reporting was misleading where it didn't acknowledge that it did receive indeed customer 's money and was holding it ; Newrez didn't return the payment because it was missing the PMI fee. Therefore, Newrez 's reporting was not truthful and it is problematic. 


*Newrez is refusing to acknowledge the fact that the payment was only missing the PMI fee for a reason debated before. Newrez is cleverly clinging to the term " partial payment '' regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that XXXX, TransUnion or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX /Received : XXXX /Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX ( XXXX {$1000.00} XXXX Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for XXXX Response from XXXX : XXXX - Results : Unchanged Letter # XXXX ( XXXX ) - : WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/TU/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX /Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX / Rcvd : XXXX NO RESPONSE XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # XXXX : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX XXXX ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( TransUnion ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :?/ Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd :? /Submitted for Investigation? NO RESPONSE Letter # XXXX : ( TransUnion ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX / Rcvd : XXXX /Submitted : XXXX
Product: Payday loan, title loan, or personal loan

This company added XXXX extra to my principle. I never was late or missed any payments the full payback on my loan was XXXX on a XXXX loan for 36 months I paid it off a month ago when I called for the payoff amount it was XXXX over the total loan amount. When I asked them why am I paying more than the total amount agreed to they just said its interest and nowhere on any of my statements does it list these extra charges finally after arguing with several different people from there company they finally said it was extra interest charges because the first month of my loan I called and asked if I could change my due date to the XXXX of each month they said no problem I believe they said there would be a small fee of XXXX to switch the days so I said okay. but when I asked about why it was so high they said they explained all of this to me and that they recorded the conversation explaining all the extra charges I told them they were lying that nobody ever explained that to me and that I would like to hear where I agreed to those charges but they refused to let me hear the recording they steal your money and lie about it like there is nothing you can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$9200.00}