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

On XX/XX/year> I sent a certified debt validation letter to XXXX with a return receipt and on XX/XX/year> I received a letter stating that XXXX did not have to validate the debt. Additionally, the letter that was provided had inconsistent information and dates.
Product: Credit reporting

My credit report from Experian has a wrong address listed on my report. I reported that I am not and have not nor never been associated with the address of XXXX , MI XXXX or XXXX. They sent me a report back with the same address listed on my report but with an additional address that is not associated with me XXXX, MI XXXX. They sent me credit report back with the same addresses that are not mine, still on my report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I took an XXXX loan in the amount of {$140.00} from MoneyLion. The repayment amount is {$160.00}. Upon making the request, it was not indicated when the money would be returned. I knew and believed it was within the 30 days period. On XX/XX/XXXX, I received notification of irregular activity on my bank account. It was in the amount of {$160.00}. It was then I visited my MoneyLion phone app, and realized that there was a notation of repayment " is expected to be processed by XX/XX/2022. '' MoneyLion processed the repayment actually on XX/XX/2022. Upon contacting customer service, the Associate made me aware of the " time period. '' I was appalled. This is worst than subprime lending. I informed the Associate that I will be paying off that XXXX and the {$510.00} loan payment. My account with them will be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Debt collection

I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Once again XXXX 's sent me the same letter with a date on it fir my credit. 

Once agsin they are stating that my credit score is XXXX and has serious delinquency and to few accounts paid as agreed. 

This is not correct. I have excellent credit and all my accounts are paid to date. 

Here we are again with the same issue. XXXX 's running my credit and impacting my credit score like it does every 6 months and lower my account balance from high to low. Impacting my credit report. 

This is like the 6 time This letter is basically automatically generated with no credit check every 6 months because each time my credit is XXXX and has the same reasons for the decision. 

It was supposed to be addressed by someone higher up at XXXX 's. She said it wouldn't happen again and that the issue was resolved. 

Yet here we are again. 

Please review my last complaint is exactly the same as this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - TRANSUNION XXXX XXXX XXXX HIGH CREDIT - TRANSUNION {$2400.00} XXXX {$0.00} LAST REPORTED -TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVE -TRANSUNION- XX/XX/XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2014, a default judgement was entered against me by Weltman, Weinberg & Reis Co. LPA. I called them and immediately set up monthly payments to pay off the judgement. I made all of these montly payments and then didn't hear from them again until now - 4 years later! Now, they say that I owe an additional {$290.00} and have garnished my wages in order to get it! I have NO idea where this additional amount came from or why on earth they waited FOUR years to come after me yet again! I called them and spoke to 2 different people and nobody seems to have their dates/amounts right at all! This seems HIGHLY suspect, bordering on illegal!
Product: Money transfer, virtual currency, or money service

I made a purchase using cash app. I disputed the transaction 15 days later when the apt complex gave the apt away that I was suppose to rent. I contacted cash app file my dispute told them what was going on they denied my dispute the first time. I disputed the transaction again with all my emails and other documents that was need. They sent me a email stating they was going to contact XXXXXXXX XXXX to investigate more. I was then sent an email from XXXXXXXX XXXX stating that my money was reversed that it will take 3-5 business days before my money would be recieved. I then contacted cash app to see how long it will be for them to put my funds back into my account I was told up to 10 business days. I was told on XX/XX/2024 that they are working on my refund and that I should recieve by the end of day but now they are saying I have to wait and additional 14 days for them to transfer my money on top of the 10 business days. I just want my money so I can close my account and move on from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  are inaccurately reporting on my consumer file with Experian and XXXX. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer file.
Product: Student loan

I appear to be facing continued forms of harassment from EdFinancial. EdFinancial has sent me a letter with a date in XX/XX/2023 giving what appears to be very false " information '' about my " Federal Direct Stafford Loans ''. Further, upon logging in today XX/XX/2023, I can see that EdFinancial appears to have misappropriated my payment of {$70.00}. They have mentioned this money as " received '' but have not decreased my loan group with the highest rate by {$70.00}. They may have instead " punished '' me for what they believe to be a " crime '', which is standing up to them for their actions, by applying it to an interest loan group which I did not specify ; when I made this online payment, I specified that this {$70.00} should be applied to the highest interest rate loan group.
Product: Debt collection

I would like the CFPB to make me a spot check of the abuses going on with the servicers and investors in the rapacious mortgage industry. 
I truly believe I have now PAID {$320000.00} of {$580000.00} I DO NOT OWE and lost a duplex to wrongful foreclosure. There are deeds of trust recorded with duplicate releases and subordination agreement to mortgages I have paid or never had and assignments of deeds previously paid. I believe I have paid debt buyers for credit cards that were first of all prepaid from my escrow account repaid in the payments I made to the cards AND finally discharged in a bankruptcy I did not need on debt I did not have. Disbursements were added to the mortgages first to the property I lost because of it and then added and now paid to the modification of home loan. Finally I also believe claims were made to a XXXX XXXX seasoned trust that they thought I owed and paid and then transferred to another servicer. 

I borrowed {$210000.00} in XXXX. I have literally paid {$720000.00} to principal. 

I had an {$82000.00} line of credit that was extinguished -because it was paid. 

I owed {$43000.00} for my duplex in XXXX paid {$70000.00} and owed {$53000.00} at the foreclosure for the {$13000.00} added in a refinance. AND I believe was already included ( addeded into my home loan by XXXX XXXX-one of the companies paid twice ). I believe another loan I owed for a property I had sold with a wraparound mortgage was attached through subordination agreement to the duplex and didnt count the {$47000.00} I believe I overpaid and was never mortgaged and I did not owe to anyone. 
I have submitted mounds of documentation to the Cfpb and made 2 submissions to the independent foreclosure review. ( That SPS can not provide and XXXX XXXX and XXXX did not provide and XXXX XXXX has yet to provide ) I was included in multiple class action suits administered by XXXX XXXX and have received exactly {$0.00} in compensation or restitution from XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I received a letter from this alleged debt collecting stating that I owe a debt. I do not have any recollection of this debt, which now makes this company liable in court. 

I demand them to send me any and all ledger accounts, original contracts as proof that I owe this debt. Anything else is NOT acceptable. 

If they take any action or report this alleged account on my credit report I will not hesitate to bring forth legal action. 

I demand that this company Cease any further action or communication until I receive the documents I asked for above.
Product: Debt collection

On XX/XX/2020 i checked my credit report and found professional debt me is trying to collect a debt that i have no knowledge of i dont know this company nor have i signed any contract nor entered and deals with them
Product: Debt collection

On XXXX I pulled all 3 of my credit reports and noticed that I had a collection account with Portfolio Recovery Associates. On XXXX I sent a notice of dispute and validation which was delivered and signed for on XXXX at XXXX. Each account differed from the other ; from contact information, account name, account number, original creditor, account status, payment status, status update, balance updated, original balance, past due amount, high balance, terms, and last but not least payment history.. Also being reported as opened on month in which this alleged account was bought by Portfolio Recovery Associates . I've received an itemized statement ( which does not constitute verification ) containing my name, partial account number, and a balance XXXX cents cheaper than reported. Portfolio Recovery Associates has failed to provide me with proper validation. Please note that as 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), so obviously states, it is prohibited to report information with actual knowledge of errors. This account listed on all three of my credit files is RIDDLED with errors. This company is challenging and disregarding my rights as a consumer. Portfolio Recovery Associates has willfully and negligently reported inaccurate information to all of my credit reports and has continued to do so for a total of 32 months. Please note that the FDCPA and FCRA are strict liability statutes and one only needs to show a violation occurred in order to be awarded statutory damages. Even if you simply remove the information from my credit files, remedy is not complete provable infractions have taken place and are still subject to damages payable to the consumer. 

Also note that PRA, LLC 's most recent correspondence received dated XX/XX/2020 stated that " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' I clearly stated in both notices to Portfolio Recovery Associates, LLC that I was making a goodwill attempt to have them clear up this matter. That the listed item is inaccurate and incomplete, and represents a very serious error in their reporting. 

***Attached are all 3 listings reported to the three major  credit bureaus XXXX  , XXXX  & XXXX  dated XXXX
Product: Mortgage

Last year Quicken Loans/Rocket Mortgage over-withheld for my Property Taxes by 78.4 %. When they re-calculated my mortgage payment, they kept the same payment even though the allocation for property taxes were 78.4 % above the actual number. 
I questioned them by email ... attached. The robotic employees would not give me any satisfaction when I questioned the number ( they hide in their " XXXX XXXX '' ). 
**See attached email** This year I just got my property tax bill and it shows that Quicken/Rocket Mortgage once again dramatically over-withheld for my property taxes to the tune of 45.8 %. Now granted that is an improvement, but that by far exceeds the legally allowed excess of two months extra of my escrow which would be $ XXXX x 2= {$1200.00}. The excess is about {$2100.00} or about 68.4 % above the allowable legal excess as I understand it. Granted it is better than last years 146 % in excess of the legal allowable excess ( {$3100.00} excess vs $ XXXX escrow or {$1200.00} for 2 months ). 
Can you help? 
This is a blatant violation and I imagine they are doing this to thousands of people!
Product: Credit card or prepaid card

XX/XX/2022 Charge : XXXX Merchant : XXXX XXXX : USAA Bank They started a dispute for a return the merchant did not want to accept of BRAND NEW PRODUCT, and then the merchant stopped communicating. USAA Then sided with the merchant saying it was a valid charge without further explanation, and after crediting my account, they charged me again. A multi-million dollar bank siding with the shady business instead of a 10-year loyal customer. While the merchants are being shady, the bank cover for them.
Product: Debt collection

I contacted the company to whom the debt was old and was told they no longer had the debt that it was with an agency. I tried to dispute it with all 3 credit bureaus because the debt is over 6 years old and was told it would remain on my credit and my credit would be damaged forever and they would not remove i the guy laughed at me and said I should be more responsible
Product: Credit reporting or other personal consumer reports

Experian has failed to 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 adequately to notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccuracies on my transunion credit report and I have disputed them all dating back to XX/XX/XXXX and I have not heard back from the bureau with any information in regards to my disputes and its now XX/XX/XXXX. I have wrote many letters with no response. I have not seen or been made aware of any changes to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX Credit Bureau : XXXX The lending entity Speedy Cash/XXXX made a hard inquiry into my XXXX credit file which caused material damage to my credit. I never completed an application with this company, and they need to remedy this issue by correcting the error. I also feel that many others have been affected negatively by this predatory behavior and the company should be fined. i am attaching photographic nature of the misleading FAQ on the Speedy Cash website which makes no mention of even pulling a credit report anywhere in the process. As I never completed the process the hard credit inquiry seems arbitrary and capricious in nature based on the spirit of the application, fraudulent based on the facts.
Product: Credit reporting or other personal consumer reports

Inquires are not mine I have submitted FTC REPORT.
Product: Credit reporting or other personal consumer reports

CBNA account XXXX In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card

Requested company to remove from credit report due to inaccurate information. Same account XXXX  for XXXX, XXXX, XXXX of XXXX. Then Late for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The charged off for XXXX, XXXX, XX/XX/XXXX. The in XXXX of XXXX closed. Called a few times. They said it will fall off my credit report because it was paid off.
Product: Vehicle loan or lease

This is regarding Westlake Financial. On XXXX XXXX I scheduled a payment for XXXX XXXX. The payment due date was originally XXXX XXXX. The calls are handled through Westlake Financials AI virtual assistant Since XXXX XXXX, before the original due date, I have received XXXX calls starting between XXXX and XXXX XXXX. XXXX of those calls were back to back between XXXX and XXXX XXXX  on XXXX XXXX. 

On XXXX XXXX I spoke to a representative and informed them of the payment arrangements that had already been made and asked that I no longer receive calls so early as I work night shift. 

On XXXX XXXX, XXXX XXXX, I began receiving calls at XXXX XXXX  from Westlakes virtual assistant.
Product: Money transfer, virtual currency, or money service

I requested a refund and was constantly denied even when I told em that the money was taken off my cashapp card and I showed that I moved money to the card prior the purchase. And I showed the proof but still was denied
Product: Credit card

This is a follow-up complaint to complaint ID XXXX On XX/XX/year> I submitted XXXX online applications for the American Express XXXX XXXX XXXX XXXX I intend on completing the application with the XXXX bonus, but somehow XXXX XXXX system accepted the application without the sign up bonus. Their system automatically denied my application with the sign up bonus request because I had started an application without XXXX. But I never intent on completing the application without a sign up bonus. I was not given a choice. 

In the prior complaint, American Express failed to mention the bonus eligibility of the XXXX application I submitted the same day. I am a victim of how technology has failed in applying a proper sign up bonus. American Express should not have the ability to pick and choose whether a public promotion is applied based on a built in feature American Express 's response dated XX/XX/year>, appears highly irresponsible and deceptive. 

They cite We are committed to making sure all customers are treated fairly. However, they failed to mention the bonus eligibility of the second application that was submitted the same day. Why should the consumer be punished by a company 's " built-in feature '' error? Since when is intent not a factor to the CFPB? American Express intent on advertising XXXX bonus points to a new applicants. An application was filled out and approved based on the assumption the promotion would be properly applied. Now American Express is citing consumer/user error for a systems failure to apply the intended promotion? If I walked into a store and talk to a live person, this type of error would never have happened. A live person would know intent and the consumer would be able to express intent. So it is XXXX to blame this mix up on the consumer when a computer cant recognize intent in an application process. A consumer should not be taken advantage of due to a corporation 's policy/procedure failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
DEPTEDXXXX  XXXX Balance {$6800.00} DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/XXXX XXXX