23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wishing to pay off a loan serviced by LoanCare Account Servicing ( " LoanCare '' ),  the XXXX obtained a payoff on or around XX/XX/XXXX that showed that they owed a balance of {$290000.00} on the loan, of which {$150000.00} was purportedly interest due. However, the XXXX have been paying this loan since XXXX and contest that this is the balanced due. The XXXX believe that loan is already paid off or should be close to being repaid in full. As such, since XX/XX/XXXX, Mr. and Mrs. XXXX have been trying to get a complete payment history for the loan from LoanCare. In XX/XX/XXXX, LoanCare produced documents that purported to be the entire payment history for the loan. The documents, nevertheless, clearly did not include the entire payment history for the loan. 

As such, on or around XX/XX/XXXX, Mr. and Mrs. XXXX requested that the loan be audited. The attached letter is their request to LoanCare, via their attorney, for the audit ( the " Demand Letter '' ). Via letter dated XX/XX/XXXX, also attached, LoanCare acknowledge receipt of the Demand Letter. It also represented that, in compliance with federal law, it would send a detailed response no later than 30 business days from the date it received the XXXX XXXX complaint. Assuming it received the Demand Letter on XX/XX/XXXX, LoanCare 's detailed response was due on XX/XX/XXXX. However, to date, neither the XXXX nor their attorney XXXX XXXX have received any response whatsoever from LoanCare. 

On XX/XX/XXXX, Ms. XXXX contacted LoanCare at the phone number in its letter of XX/XX/XXXX. She spoke to a representative at LoanCare 's Georgia office. Said representative then contacted the XXXX office while Ms. XXXX was on hold. The representative said that the person who conducts the audits had not gotten the information, but that she has spoken to another agent from the XXXX office who would be providing it to the person in charge of audits. The representative from the Georgia office offered to give Ms. XXXX the email of the person in charge of audits. Ms. XXXX advised the representative that if she was going to provide her the email of a XXXX XXXX, doing so would be futile, as Ms. XXXX had previously emailed Ms. XXXX on the issue, and had received no response. This is detailed in the Demand Letter.
Product: Money transfer, virtual currency, or money service

Have a Venmo account. My Aunt sent me {$150.00} on Venmo on XX/XX/year> for birthday gift. Tried transferring money to my bank account and/or debit card. Transfers would not go through. Called my bank to see if issue on their end. They did everything they could on their end and transfer still did not work. Called Venmo customer service and all they could tell me was yes my account was suspended but couldn't tell me why nor could they release my money. Kept saying I should receive an email from their " account specialists '' to which as of today, still have not received any emails from them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$350.00}, {$16000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 




XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account
Product: Debt collection

I got a call on XX/XX/XXXX stating that I owe a debt for the previous apartment I lived in. I paid a {$99.00} deposit to live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX also known as XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX. It looks like I received an email to an old email address, but I never got any calls, texts, or other forms of communication about this debt until I got a call from the collection agency that the Yards Apartments sent my debt to which is Fair Collections & Outsourcing , INC . They are attempting to say I owed {$410.00} in damages, and after my deposit, I owed {$310.00} that I need to pay to FCO. I asked for proof of these charges and they sent me images that do not justify the charges trying to be charged. For example, they mentioned I owe {$140.00} for carpet damage - pet sanitizing and deodorizing. I actually never owned a pet and I cleaned the carpet before moving out. They also said I owe {$150.00} for a screen door that was never broken and was in the same condition it was left to me. These charges are not fair and this company is trying to fraud me out of money. I was never offered a move-out inspection and I was also never communicated about these charges from the original debtor. This is unfair and is ruining my life and financial health. I need assistance with dealing with this issue and finding a resolution.
Product: Vehicle loan or lease

I had a loan with GM Financial. My husband was has XXXX XXXX and was in the hospital and ended up very sick for summer 2019. It caused us to get behind on our car payment. I stayed in touch with company and was working hard to catch up the payment. We were 30 days behind XXXX - XXXX and in XXXX in dropped to 60. In XXXX we got it all caught up but it dropped to 30 days behind again in XXXX and they repossessed it without warning. I was devastated because it felt like we were making payments every week to try to recover. My complaint is they repoed my car with only 30 days late and when I called on the day they took it to ask what I could do to pay to get it back, assuming I could pay past due or some repo fee they said FULL balance only to get the car. I don't have the money for the whole amount. They sold it without allowing me to get it back without paying the XXXX owed and then put over XXXX as a charge off on my credit. I don't know if that was illegal but it certainly felt unfair. We were trying and weren't that far behind. I would like this removed from my credit.
Product: Debt collection

I filed a complaint on here a few weeks ago ARS NATIONAL SERVICES Inc and also had the CFPB send a copy to the original creditor XXXX XXXX XXXX XXXX. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome ARS NATIONAL SERVICES Inc which was attached states the XXXX is there CLIENT. Also ARS NATIONAL SERVICES Inc use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both ARS NATIONAL SERVICES Inc and XXXX XXXX XXXX XXXX  responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly ARS NATIONAL SERVICES Inc said for me to contact them to discuss more info but how if you dont own the debt as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.
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 violates 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 resolutions requirements under the Eletronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to file a complaint against navy federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

MEDICAL DATA SYSTEMS Last reported XX/XX/2022 {$340.00} Open balance XXXX XXXX Original creditor I have submitted disputes via certified mail requesting validation of the debt on XXXX separate occasions. Attempted calling personally to dispute but was refused to do so as I wouldn't provide them with my personal information ( which I assume they would have if debt was valid ).
Product: Checking or savings account

Capital One is having technical issues with a third party and hasnt deposited my direct deposit. Because of this, I dont have gas in my car to make it to work today. I had no idea about this issue until I received an email on XX/XX/year> at XXXX XXXX when apparently the issue has been ongoing since XX/XX/year>.
Product: Debt collection

This company is emailing me repeatedly everyday. I asked the company to stop contacting me because I am not reliable for the debt because the debt was sold and the company received a tax write off for the debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 account on my Experian report that is incorrect. These accounts were included/discharged with my chapter XXXX bankruptcy. I have filed disputes with Experian and they keep saying the information is correct and will not change it. The accounts are with XXXX XXXX XXXX and XXXX  XXXX/ XXXX
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations.

Your agency is in violation!

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.

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Incorrect Name : - XXXX XXXX XXXX DOB : - 2000 Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, personal loan, or advance loan

Received loan through dealer on XXXX I believed this was a standard auto loan. After over a month, I had to contact the dealer to see who did the financing as I had heard/received nothing. As of XX/XX/, I had received no paperwork for this loan regarding first payment due date or payment amount due. Called customer support stating this issue. XXXX said they had my physical address entered and not my mailing address entered so I updated this and paid {$2000.00} to go towards future payments to allow more time for the documents to come in the mail. I asked the rep if I would be good for a while and the rep said yes. 
On XX/XX/, I checked my credit score and saw that lender filed a late payment for the XX/XX/ payment being XXXX days past due. I called customer support to inquire about the issue as I had made a payment and to also inquire why I still had not received any documents or statements. XXXX stated that my address had been noted but not actual entered. The rep also stated the {$2000.00} payment wasnt applied to my bill due - only as a principal payment. I told the rep it was suppose to go towards monthly payments, however, rep stated that wasnt possible and began arguing. I stated that he needed to listen to the previous call as it was recorded. After placing me on hold to, what I suspect, listen to the previous call, rep came back apologizing. He then transferred me to someone who could help. Nothing was done aside from me paying another {$1000.00}. The rep applied it to the late payment due. 
I do not see how I could have a past due of XXXX days for the XX/XX/ bill when I paid {$2000.00} on XX/XX/. I filed a dispute, however, lender states their reporting is correct. This does not make sense. The only error I see is the lender ( XXXX ) never sending paperwork for a loan they administered and ( XXXX ) not applying a payment correctly to an account for a borrower that had no knowledge of the repayment schedule as the lender never provided it ( which was another error on their part ).
Product: Credit reporting

Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.
Product: Consumer Loan

Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have noticed that some of the information is outdated or incorrect, and I would like my report to accurately reflect my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from Equifax to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
Product: Debt collection

Hello my name is XXXX XXXX. Last year I received a letter from a collection agency named XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, New Jersey XXXX telephone ( XXXX ) XXXX about a delinquent credit card account I had. This agency made me an offer to settle the matter at a 40 % reduction of the original debt. I did so and paid them in full now a year later they are trying to charge me again for an account I have already paid off saying that I still owe {$880.00} and it is on my credit report. This agency is just taking peoples money and not reporting it as paid off to the credit unions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Product: Credit reporting or other personal consumer reports

This account has a XXXX balance and is reporting as a charge off account. This account was bought by third-party collection agency and theres no more relevant. Please remove now. 
Ollo account number : XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given Ollo permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.