23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Credit Acceptance XXXX XXXX XXXX on a continuous basis his my tru balance and continue to charge me fees that Im not sure I should have been charged. Repossession was on the regular and I would pay the ridiculous amount to get the back just for them ti repossession it and demand the remaing balance of the loan
Product: Debt collection

I sent Harris & Harris a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 at XXXX by XXXX . It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

Upon my request, Barclays bank open an account for me aXXXX XXXX XXXX and mailed all the documents to the wrong address. I never received any invoices or statements or even the card itself so, it wasn't paid. 

Several months in, they finally contacted the 2nd contact number on my application and reached my husband XXXX who, upon finding out about the open balance and sale of the delinquent account to a collection agency, asked for more information. They responded with confirming my name and mailing address. It was at that point that he noted their discrepancy of having the wrong address. 

Not wanting to pay off a collection agency and having it affect my credit, he then called Barclays directly and discussed the problem with them in hopes of correcting the discrepancy. When they finally sent the statement of accounts to us, he paid the original open balance immediately which was on the copy of the original statement. 

The amount they claim that was written off and is now noted negatively on my credit history and is the finance charge that would have never been charged had they mailed the original paperwork to the correct address.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following credit inquiries from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these inquiries removed to protect my credit. 
The unauthorized inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$18000.00} XXXX  - XXXX - XX/XX/XXXX - {$20000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX  - XXXX - XX/XX/XXXX - {$22.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX {$260.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$60000.00}
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquires to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified inquiries. The identified inquires are not information related to any transactions by me as the consumer. 

XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

The Consumer Financial Protection Bureau (“CFPB”) has noted, in its Official Interpretations of this provision, that a QWR “is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred.” See 12 C.F.R. Part 1024, Supp. I, § 1024.31.Even if the note had been originally valid, you can void it by altering it. If you and the debtor renegotiate the terms and sign off on the changes, that's fine; if you make a change without the debtor's approval, it's not going to fly. If you bought the note from someone else and it was altered or void before you took ownership – too bad. The fact that you purchased the note in good faith won't make it valid.“MR. COOPER”  XXXX XXXX XXXX, TX XXXX Dear Mr. Cooper, Regarding the letter I sent you datedXX/XX/2019 via Certified U.S. Mail # XXXXXXXX, the letter titled “QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST”. The letter was received and signed for by your representative on XX/XX/2019. (See U.S. Postal Receipt below)On XX/XX/2019 your company received a 14-page Official letter from Property OwnerXX/XX/XXXX. In part that letter read, “I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account #XXXXXXXX.”Do you now claim, that your company (doing business as Mr. Cooper), has answered all the requested documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? Please answer Yes or No, did you respond to this QWR? If not, Why?On the Color Copy of what you claim is the Original Promissory Note, there is a yellow area right of the alleged Bank Stamp which is unexplained and appears to be a Post note or similar item? Please explain what that is in detail?Please explain why the Promissory Note signature page on the item you claim is the Original is missing a big X from the original copy I have from the original signing and now there is a alleged stamp signed by an alleged person who is alleged to be affiliated with a bank company? I am demanding, and expecting, that your company does not report any negative comments or missed payments to any Credit Reporting Companies as you have Failed to prove the Authenticity of your Security.Please provide me with the documents I have requested and a detailed answer to each of my questions within the lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional RESPA Qualified Written Request letter.Sincerely,XX/XX/XXXX
Product: Credit card

I called the American Express XXXX XXXX XXXX XXXX in XXXX when I saw for the first time the annual fee charge of USD XXXX, which is high compared to the news and changes in XXXX membership ( skymiles ), and it is not giving me the same benefits as in the past. The agent re-directed my call to another client retention representative who told me he still couldn't change my annual fee, but it would be possible after a year of membership, and I should call in XXXX. 
On XX/XX/XXXX, I called the American Express XXXX XXXX XXXX XXXX again, and it was precisely the same re-direction of my call to a client retention representative who mentioned that there was an exact date when this year was going to be completed, XX/XX/XXXX and that I should call again then or after that date. 
I called later on XX/XX/XXXX and spoke in XXXX first with a representative who canceled my card and didn't redirect me to client retention. She didn't mention that by canceling the credit card, I should still pay the annual fee of USD XXXX for only XXXX MONTH of usage. 
I called the same call center in Spanish that same day, XX/XX/XXXX, to say that if they were not going to eliminate my annual fee for my credit card, there was no point for me to cancel the card and that I would keep it one more year. The representative, XXXX, mentioned that he couldn't reinstate it. Therefore I requested a XXXX. 
The XXXX, XXXX, mentioned that he couldn't reinstate the credit card either ( he didn't know why ) and would request the reinstatement to another area, which would take XXXX business days. 
Today, XX/XX/XXXX, I chatted with a representative ( XXXX ) at around XXXX am EST from American Express, and he mentioned he couldn't help me and that I had to call the service center over the phone. 
I called the service center today, XX/XX/XXXX, again at XXXX am EST and talked with another representative called XXXX, who mentioned utterly the opposite to all the other six representatives I have communicated with before ; he said there was no way to reduce the annual fee, and there was no way to reinstate the credit card since internal rules have changes in XX/XX/XXXX. They were not able to reinstate credit cards anymore. I have asked for an internal investigation of my calls in XXXX, the beginning of XXXX, and all the previous calls. XXXX mentioned there was already an investigation, and there was no fault of AMEX. 
I requested to talk with a supervisor, and XXXX mentioned he would look for XXXX, but after a long wait, he said there was no one he could contact and that they would call me again in XXXX hours. 
I have clarified that I do not want any reduced annual fee or anything ; I want to reinstate my AMEX XXXX XXXX credit card, which I have already paid for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from XXXX a denial of credit by the way of experian it states it is my right to view my report if I log in to experian report access and under the FCRA.Once again I was denied access on XXXX XXXX  2017
Product: Credit reporting or other personal consumer reports

In speaking with credit card companies and other lenders, I inquired about the reporting frequency. The reason for the calls is due to the balances increasing across the reporting agencies and being updated multiple times per month. I see credit alerts within a day, no more than 4 days, when using credit cards, for the balances increasing. I have paid these credit cards down to {$0.00} and this doesn't update unless I leave the cards at {$0.00} balance. When using the cards, the balance increase is always updated and the payments do not reflect on the reports. 
When speaking to the banks or Credit Card companies, they insist that they only report once a month. I am not understanding how the reporting agencies have access to the accounts multiple times a month, while the companies themselves only report to the agencies once per month. The multiple balance updates during the month should not be accessible if the companies that report to the agencies only report once per month. 
Also, I have received negative credit worthiness changes in the score and no changes have been reported, only a note stating that, " There were not changes to report at the time, but, they recalculate the scores periodically when there is something going on. This comment is never understood, as it just says that they can manipulate you credit worthiness when they want to.
Product: Credit card or prepaid card

I did a balance transfer from a credit card of mine that had a lower interest rate, to pay off a balance on another card that had a much higher interest rate. The payment address, account number, and my name was used to send a check for the entire balance of {$8200.00} to pay off my high interest credit card. My payment due date was XX/XX/XXXX and the check was received on the XXXX, but stayed in a pending process and did not post to my account by the due date. I made the required payment on the XXXX so I would not have a late fee. I called them the evening of the XXXX around XXXX and spoke with XXXX. She put me on hold to look into the pending payment. She came back and asked me if the check was mailed in the envelope they provide with the statement and I said no. I also asked how is that relevant? The check clearly made it to the correct address and was pending in the correct account. I was told that it was on a 5 day business hold because it was a non confirming payment. I questioned that term. I also asked where it mentions they can hold a check for 5 business days. It is nowhere on my statement. I also read to her from my statement that a payment can be mailed to the address on the front of this statement with the payment coupon or your account information. This was done and it does not mention anything about a specific envelope. I was told the check would post by midnight on the XXXX and it would be dated effective the XXXX. I said it was a full payment to pay off my balance by the due date and I should not see any interest. I was assured I would it process for the XXXX. I was never notified of a hold. This is something that is required with bank deposits but not credit card payments? I was forced to make a payment on my own in order to keep my account current because of a held check.
Product: Credit reporting or other personal consumer reports

Ive resent my previous letter informing this company I received a copy of my credit report, and noticed some late payments that still needed to be corrected. I was never late and they failed to provide documents that proved that I was late. 
Clearly, prohibition means something that is not allowed. This law says a person ( this company ) 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. 
Lets look at has reasonable cause to believe that the information is inaccurate. 
I CLEARLY showed them in my previous letter that they have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that they've violated, therefore the information being inaccurate! This is a violation of 15 US Code 1681s-2. 
The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave this organization permission to report my information. This is a violation of 15 US Code 1681a ( 4 ).
Product: Money transfer, virtual currency, or money service

My XXXX has been on hold since its purchase date. I '' m unable to transfer the XXXX out of my paypal account and no one can provide valid reason why. I've communicated numerous times via chat and on the phone support and have no resolution. today i'm told there is a problem with XXXX across all of paypal but that sounds like another false promise. I'm also told my best option is to sell, at a loss, and recoup the money into my paypal account rather than releasing my XXXX as purchased.
Product: Checking or savings account

I was denied a checking account at the XXXX XXXX XXXX XXXX because they said that Bank of America had said I had a charged off account in XX/XX/year>. This was a business account & at the height of the pandemic, I never thought that a business closing due to an act of XXXX would prevent me from getting a checking account at a credit union. I tried to resolve this back in XXXX and It's almost been 5 years and I don't even have that business EIN any longer nor was I applying for a business account. This is a very opaque system and I hope Bank of America can resolve this with me so I can open a checking account at a credit union.
Product: Credit card or prepaid card

Chase is failing to protect me against a merchant who isn't refunding me for a refundable purchase I made, in direct conflict with the merchant 's Terms & Conditions that I agreed to at time of purchase. 

After the merchant refused to refund me, I disputed the charge with Chase ( XXXX XX/XX/2022 ). The dispute was closed by Chase ( XXXX XXXX ), and they provided the documentation sent by the merchant, which was an excerpt from their XXXX & XXXX. However the terms state unambiguously that in my situation I should be entitled to a refund by the merchant. Chase did not contact me for any supporting documentation during the initial dispute. 

Since then I re-disputed several times ( XXXX XXXX, XXXX XXXX ) providing clear documentation of the merchant 's refund policy, such as a highlighted excerpts from the merchant 's XXXX XXXX XXXX. 

Chase has closed all disputes stating that they determined the charges were valid and without, as far as I can tell, understanding the merits of my case against the merchant. 

Chase has provided no specific information about why they think the charge is valid, or why they do not believe the merchant should have refunded me. 

I am attaching : 1. My most recent dispute letter, which includes details on the original transaction and the documentation I provided to Chase. This also includes the dispute claim identifier Chase would need to look up my case. 

2. Chase 's response resolving the dispute in the merchant 's favor.
Product: Student loan

I have been receiving unemployment since XXXX of XXXX. My benefits were exhausted in XXXX of XXXX. I have found gainful employment starting in XXXX of XXXX. As a result of my circumstance, I am left unable to make my XXXX and XXXX XXXX payments. 

My unemployment was not a surprise, I had several months notice. During that time, I prepared for the financial loss. One step was to discuss with Citibank the terms of my loan and how many months forbearance were available to me. I was told I had a total of 6 months. I continued to make payments. 

I received a 1 month forbearance of my student loans for XXXX XXXX. I requested the forbearance due to an error in filing for benefits in XXXX, leaving me unable to make my student loan payment. I was granted the forbearance and resumed payments in XXXX XXXX. Before ending the conversation in XXXX, I asked how many months of forbearance I had left on the loan and was told I had 5 months remaining. 

On Monday, XXXX XXXX, XXXX, I requested to have my student loans through Citibank forbeared through the months of XXXX and XXXX of XXXX due to lack of unemployment compensation. I was denied. I pressed and was still denied. I spoke with XXXX, she relayed my situation to her superior. XXXX called me back and informed me that I would was not eligible for forbearance. I asked to speak with her superior and she told me my only recourse was to write a letter. 

Strangely, XXXX called me back on Thursday, XXXX XXXX, XXXX. I was surprised to hear from her. She started our conversation by informing me that I was, in fact, eligible for a forbearance. She then guided me through a worksheet where she, once again, told me I was not eligible. I was very confused. We were having the same conversation that took place on Monday. XXXX forgot that she had already followed up on my account. XXXX also apologized for telling me that I was eligible for two months forbearance, because by the end of the conversation, I would not be receiving a suspension of payments. 

I believe that I am being denied my 2 month request of forbearance unfairly.
Product: Mortgage

I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in 2005. I have been advised that Ocwen has taken over some of their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, TRANSUNION reported several late payments marked as past due on several accounts reporting on consumer 's TRANSUNION account. One of the accounts is XXXX ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted XXXX XXXX XXXX XXXX ( XXXX ) in regards to the late payments, in which I submitted a good will complaint via phone to XXXX XXXX XXXX XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. XXXX XXXX XXXX XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. TRANSUNION is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. TRANSUNION knows an account CAN NOT report 60,90 days prior to 30. I have already informed TRANSUNION that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that TRANSUNION is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that TRANSUNION is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly informed XXXX, TransUnion, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.
Product: Debt collection

Jefferson Capital is claiming I owe money for a XXXX bill, but my XXXX account was paid in full when I closed it several years back. I also disputed the date that they reported because it is much more recent than the account I held at XXXX. They lied in their response and stated that they can re-age a debt whenever they collect on it, which I know is illegal. If they refuse to remove this false collection, they need to at the very least reflect the date of the alleged default correctly. They can't lie and tell me that they choose the date. What is my recourse for this and why was this statement by them not investigated? Are you not supposed to protect the consumer? They need proof that I owe this money and a correct date to go with it. In the mail I received, they only showed me a front page of a supposed bill ( with no transaction detail or ANYTHING- just a total amount ) and the date on my credit report does not reflect the bill date at all. This would be a false debt validation. Additionally, this letter was sent XXXX XXXX XXXX XXXX and I stopped using XXXX years before that - when I lived in XXXX. This is totally bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.