23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act this account PROFESSIONAL DEBT MEDIAT XXXXhas violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. Please delete the account information off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the Equifax breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX {$83.00} 8 ) XXXX XXXX {$760.00}
Product: Mortgage

On or about XXXX XXXX, I applied for a loan to refinance my mortgage through Cardinal Financial, XXXX XXXX is the contact : Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone/Fax : XXXX XXXX Here are the issues and problems with this company : 1. During the last two months ( XXXX and XXXX ), Cardinal Financial raised my APR, even after having a loan rate locking agreement with them. 

2. They have repeatedly asked for the same documents that I had uploaded to their web page weeks prior, and they already have. 

3. They are trying to give me tax advice ; they told me that my XXXX tax return can not use the same account for dividend and interest income. The account that they are referring to did not even exist until the XXXX tax period. They are using XXXX tax data to give me advice about my XXXX tax return. 

4. They keep requesting tax transcripts for XXXX tax return, but I was unable to obtain them online and the IRS has shut down processing because of COVID issues. 

5. They keep requesting a loan payoff for the current mortgage. I sent them numerous replies that the loan was interest only and the balance that I sent to them via email was correct. I believe this to be another delay tactic, so that I withdraw my application. ( see # 6 below ). 

6. Based on the continuous delays, and requesting documents that they already possess or documents that they know that I can not produce ( tax transcripts ), I strongly sense that they are discriminating against me because of my age ( XXXX ).
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Dispute Violation of FCRA law. 
Dear Transunion, I am writing to formally address a significant issue concerning my credit report. It has come to my attention that Transunion have failed to include the required notice of dispute on my credit report, which constitutes a violation of the FCRA. According to Section 623 ( a ) ( 3 ), of the FCRA, debt collectors are prohibited from reporting information to credit bureaus without providing a notice of dispute, furthermore, Section 611 ( i ) ( a ), 616, and 618 of the FCRA outlines the responsibilities of credit reporting agencies in handling disputes and ensuring the accuracy of the information reported. In the case of XXXX XXXX Transunion, it was established that the failure to report inaccuracies on a consumer 's credit report, ultimately affecting individuals access to credit and financial opportunities. By the FCRA LAWS, all disputed accounts shall be removed immediately due to violations of the FCRA. Please treat this letter as a Formal notification of dispute as outlined under Section 611 of the FCRA. This is in reference of the last dispute of XXXX XXXX have sent in all the proper documents requested by Transunion to remove all disputed accounts. The Representative for Transunion told me that I will not get a copy of the method of Verification Process due to their privacy right. I said that I have a right to request documentation of the reinvestigation process. Transunion Representative said to me they have their own rules and regulations. A violation of my Federal consumer rights. I expect Transunion response within the statutory time frame of 30 days mandated by Federal law. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease and Desist wrongdoing conduct, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX Notice of Dispute To whom it may concern I am demanding verification of this alleged debt obligation, I have know knowledge of the said accounts. I believe this account is fraudulent. I believe the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of XXXX5 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in consumer that a person other than the Creditor such consumer is participating in the collection of or in an attempt to collect a debt such consumer owes such creditor, when in fact such person is not so participating. The term Creditor according to 15 1692a ( 4 ) means any person who created the debt I believe my signature on the credit transaction created the debt therefore makes me the original creditor. If XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX believes I am in error I demand verification under penalty of perjury that I am not the original creditor. Lastly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; andI demand an affidavit signed under penalty of perjury verifying the name and address of the original creditor the letter sent to me by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX have a logo affixed to it and that is
Product: Mortgage

I was thrown into this XXXX XXXX owned company from last one, - when they bought my paper from XXXX loan company. 

I have always paid on the finance site going all the back to XXXX XXXX. This company charges {$15.00} for an ON TIME ONLINE payment! Seriously, what could their cost be on that? 

I look forward to class action suite against this XXXX XXXX unethical and immoral organization.
Product: Checking or savings account

i had an account with US Bank which i opened in year XX/XX/XXXX, on XX/XX/XXXX a bank Representative contact me asking me to give her my valid visa or green card, which i did by email, and she replied that i will be posted, later on i found out ( by chance ) that all my account were frozen ( hard block ) i contacted the costumer service which they refer a contact number that i should call, which i did, it was a near by branch of us bank, they did not knew why am calling, i visit the branch were i knew that my account was frozen because i was born in XXXX, and the account still frozen till this moment and they dont know when the account will be unfrozen so i dont have access to my funds so the bank froze my account for more than 15 weeks, without informing me, and when i knew no one gave me clear answer why it was frozen knowing that i submit all information needed from my end its act of discrimination and raciest, and i will go to court to escalate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX that my credit report contains late payments reported on XXXX and XX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016and XXXX XXXX University in the summer and fall of XX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax placed a XXXX XXXX unauthorized, inaccurate, hard inquiry on my Equifax credit report. This inaccurate, unauthorized hard inquiry has already been marked as fraudulent by XXXX XXXX. On XX/XX/XXXX I spoke to ( XXXX # XXXX ) & ( XXXX XXXX Account representative. ) XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

The state of Florida 's Homeowners Assistance Fund program agreed to make monthly mortgage payments of {$3600.00} for eight months to the mortgage company Amerihome Mortgage starting XX/XX/2022. As of today, only the XXXX payment was received, processed, and credited to the mortgage account and the mortgage company has not credited the last XXXX months of payments. I have received a letter in XX/XX/2022, from Amerihome Mortgage stating that I am not late on the mortgage and have not been late for the past two years, but the credit bureaus report that I was 30 and 60 days late on the mortgage payments. I have requested for the mortgage company and the credit bureaus to stop violating the F.C.R.A. by knowingly reporting erroneous information on my credit report, but they refuse to make the corrections.
Product: Mortgage

Respected Sir / Madam, I am XXXX I already file the complaint my ID is ( XXXX ) I filed the complaint on Chase Bank and after that they called me, and they said sorry and apologized. We don't need apologize from chase bank. We need our money back, please help me get back our money from chase bank.
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. Account name : XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX 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 : Multiple Account numbers 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 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. Solution Please delete these accounts in which my consumer rights has been compromised.
Product: Credit reporting

On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.
Product: Debt collection

I am writing due to the negative marks youve made on credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. Im sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting FULL validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you ONLY contact me by writing and provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : 1. Provide the assignment contract - In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. 
XXXX. A copy of the original contract and/or original purchase agreement that created the alleged debt. 
XXXX. Also include a full accounting history from the original creditor including date and amount of each payment, the Date of First Delinquency leading to the collection status and Date of Last Activity. 
XXXX. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
XXXX. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Party Debt Collection Bond. 
XXXX. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. 

Im sue you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 

Account Name : I.C. SYSTEM, INC | Account Number : XXXX
Product: Mortgage

I am borrower with RocketMortgage since XXXX. I have paid all my mortgage payments on time. Some time in XXXX or XX/XX/XXXX RocketMortgage sent me an escrow account analysis which was based on wrong insurance premium amount. By the time I wrote to them, it was XX/XX/XXXX. I paid the first payment of XXXX as per the alleged incorrect mortgage amount. I protested the escrow account analysis and continued to pay my mortgage payments based on my XXXX  monthly payment amounts. RocketMortgage took three months to review the escrow account in XX/XX/XXXX resulting in decreasing my monthly payments bit refused to correct the account retroactively to XX/XX/XXXX. During the year XXXX RocketMortgage revised the escrow account three times. I am attaching a letter written to Rocket Mortgage which I am attaching and have several emails that i exchanged with them.

RocketMortgage is reporting to all credit agencies that I am behind on my monthly payments. They claim that they applied my payments and alleged shortage amount calculated based alleged incorrect escrow account.

My submission to RocketMortgage is and was that the even the alleged first escrow account was based on incorrect insurance expenses when they received the correct insurance amount and decreased the monthly mortgage it was supposed to be retroactive to XX/XX/XXXX. Further, the escrow account is to pay the Home owners insurance and Property taxes and if XXXX is corrected reducing my monthly mortgage as result of it, where is the shortage in escrow account. At the end of the day RocketMortgage will have the correct amount of funds to disburse or if there is shortage a additional demand for the shortage in escrow can be made to me.

It has been really disappointing that RocketMortgage is XXXX bent on damaging my credit. Please see my last certified mail letter sent to them which is self explanatory.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

In XX/XX/XXXX, I received a letter from Cooling & Winter Attorneys about a debt that I do not owe them. I responded back to the letter within 30 days as requested. I asked for them to verify the debt and send me all original signed documents. They did not send me any documents with my signature. Instead they sent me a copy of some documents they got from the XXXX County court. The court documents show a total balance of {$2100.00} for all costs but Cooling & Winter document says the balance is {$2600.00}. The fair debt collection practices act says that a creditor must provide me with original documents if I request them. They must verify the debt before attempting to collect the debt. They are also in violation for trying to collect more than the original balance. This debt was disposed XX/XX/XXXX and they are still trying to collect on it.
Product: Credit card

On XX/XX/2024 In an attempt to extend my XXXXXXXX XXXX XXXX on their APP, I was using my CHIME Credit Builder Card an the extension cost was XXXX. It never registered on the XXXX XXXX So I had done it again Chime held the money on my account again. I called XXXX they told me they didn't have the first XXXX but they did have one of the two. I contacted CHIME who told me it was XXXX issue and XXXX told me it was CHIMES issue. Then it happened again in extending the rental. So when i returned the rental to XXXX did not believe me that this had happened and instead of getting my weekly rate of XXXX They charged me for a month and a day to the cost of XXXX which would have been XXXX. Since that complaint and neither side would budge on helping me and filing a complaint with both companies got me nowhere and now CHIME is holding my pending rental car holds for 30 days. When prior they would come off almost immediately or in a couple days. I think they are doing this in retaliation for filing a complaint on both ends XXXX and CHIME.
Product: Checking or savings account

Navy Federal Credit Union blocked access to my debit card and online banking access, I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated that I had a XXXX and could not go to a branch in person On Friday XX/XX/2022 I called Navy Federal Credit Union and spoke with someone in security asking to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my regular savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of {$22000.00} Dollars to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccurate information being reported across my ExperianXXXX credit reports , which is negatively impacting my credit score. The inaccuracies involve accounts listed as closed or in a status that does not accurately reflect their actual condition and not reporting the same payment history across ExperianXXXX XXXX 

After reviewing my credit reports from Experian/XXXX, I noticed the following inaccuracies : Account info Account name XXXX XXXX Account XXXX Account type Installment Date opened XX/XX/year>XXXX  Balance {$1400.00} Account info Account name XXXX XXXX Account XXXX Account type Installment Date opened XX/XX/year> Balance {$500.00} Status : Closed Both accounts are recording inconsistent payment history across all agencies These accounts are inaccurately reported and do not reflect the accurate standing or payment history of the accounts across all Experian, XXXX, XXXX. While Experian and XXXX reports different monthly payment history. XXXX reports no payment history at all. 

Violations of the Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Credit reporting agencies and furnishers of credit information are required to ensure that all information reported is accurate, complete, and verifiable ( Section 1681e ( b ) ).

I have the right to dispute inaccurate information, and the reporting agencies and furnishers must conduct a reasonable investigation within 5 days.

The inaccurate reporting of these accounts violates these provisions and has caused financial harm by lowering my credit score and affecting my ability to obtain credit on favorable terms.

Actions Taken : I have already attempted to resolve this matter directly with the credit reporting agencies and the furnishers of the disputed information. However, the inaccuracies persist despite my efforts. Attached to this complaint are copies of : My credit reports highlighting the inaccurate accounts.