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

XXXX XXXX states the car was repossessed in XX/XX/year> that is a lie also the act is over 7 years old an should not be on my credit report asking to. Be removed
Product: Credit reporting or other personal consumer reports

I have looked over all three of my credit reports and created a few letters please take a look
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress+ for these violations.
Product: Mortgage

My mortgage company placed forced insurance on us last year in 2020 regarding our condo hotel located in XXXX XXXX XXXX. The amount was {$3100.00}. I have reached out to my insurance agent and she told me I had plenty of insurance and that she provided that information to my mortgage company. On XX/XX/2020, my insurance agent sent me an email stating that she just got of the phone with Fay Servicing and they stated they will show nothing further is needed to clear my account. Since then, my mortgage company still shows I have inadequate insurance ( which is untrue ) and I don't know what else to do. When I call the company, I can never get a hold of anyone higher than the call representative. It is if I have to plead my case all over again to a new individual. Even if I ask to speak to the person I spoke with before, they tell me they will handle it. I can never get in touch with anyone in the insurance department or management that can help with this issue. My escrow balance is in the negative and I have been paying close to {$400.00} a month more just to stay current with my mortgage and escrow payments. Please help!!!
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX 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
Product: Bank account or service

I had an issue with my checking account at Suntrust Bank and I went into a branch to resolve it. The personal banker said there was nobody there who could resolve the issue so I left and went to another branch location. At this location, both personal bankers had customers so I sat down to wait. When one of the customers left the manager walked out and took one look at me and then called the free personal banker into his office saying he wanted to show her something. When they went into the office I could hear laughing and joking while I waited. Both the manager and the banker are persons of XXXX. When she finally came out and I explained my situation to her she said " I cant help you '' and I asked to speak to the manager. He came in and told me " I cant help you and bad things happen to good people all the time ''. This is the branch manager. 

As I was leaving the personal banker who was speaking with me walked around to the other desk where another personal banker was with a customer and they all looked at me and had a joke about my dilemna. 

The situation was easily resolvable because, when I went to another Suntrust bank the person immediately resolved my issue and then gave me solid options including overdraft assurance, a credit card tied to the account and asked for a time I could meet with her about improving my credit card debt using a home equity line. So the issue was easily solvable but the initial manager and banker were unwilling to do so. 

The treatment, the initial snubbing, the sarcastic comments and then the laughing about it afterwards with another customer lead me to one conclusion. I have been the victim of XXXX bias by a manager and personal banker from Suntrust Bank. In our country we should be well beyond the point where people are discriminated against due to the XXXX of their skin or ethnicity.
Product: Credit reporting or other personal consumer reports

The Executors scrutinized the surety report and identified several cases where the report was accessed and shared without proper authorization. The mentioned accounts were not granted approval to access the Executor surety report, XXXX XXXX, and there was no direct benefit received by us. These credit accounts were nonconsensual, and we do not recognize them. Unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Federal DIC ( FDIC ) : XXXX, XXXX XXXX XXXX XXXX, XXXX  ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E.

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to XXXX debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. XXXX bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY XXXX ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR XXXX TO ISSUE A CREDIT OF {$840.00}. XXXX IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) XXXX HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. 

XXXX IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY XXXX ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERING THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND XXXX INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE.

Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Product: Debt collection

The company is requesting a unfair amount. the amount was invalid. instead of fixing it they decided to sent it to a third party collection
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

DEPT OF EDUCATIONXXXX - XXXX There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Debt collection

I am being contacted by Columbia Debt Recovery LLC, dba Genesis about a debt that I have already paid. I called them and also sent proof of the payment I made of {$250.00} which is {$50.00} more than what they claim I owe. Columbia Debt Recovery LLC, dba Genesis To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX to XXXX PST, Monday to Friday Account : XXXX www.genesiscred.com XX/XX/year> Columbia Debt Recovery LLC , dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. 


Our information shows : How can you dispute the debt? 
You had an agreement with XXXX XXXX, regarding XXXX. - Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
As of XX/XX/year>, you owed : {$200.00} Between XX/XX/year> and today : - If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt.

You were charged this amount in interest + {$0.00} You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$200.00} Your account bears interest at 7.00 % percent per annum. What else can you do?

- Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at XXXX. 
- Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you.

- Contact us about your payment options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


How do you want to respond? 
Check all that apply : Mail this form to : Columbia Debt Recovery LLC dba Genesis XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want to dispute the debt because I think : -This is not my debt -The amount is wrong -Other ( please describe on reverse or attach additional information ).

-I want you to send me the name and address of the original creditor. 
-I enclosed this amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Make your check payable to Columbia Debt Recovery LLC , dba Genesis. Include the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a legal order to hold funds in my account then my money is withdrawal
Product: Mortgage

I, Mr. XXXX XXXX, in XX/XX/XXXX was a victim of Hurricane Florence, SPS XXXX # XXXX XX/XX/XXXX I was offered a forbearance plan because I live in an area that is located in a natural disaster area declared under FEMA. 
The letter went on to state there were no payments due for the months of XXXX, XXXX, XXXX, of XXXX then a balloon payment due in XX/XX/XXXX. I have continued to make my mortgage payments they are current and on time. 
The letters from SPS and XXXX state during the plan term, they will not proceed to foreclosure sale or commence foreclosure proceedings on the property during the forbearance term. 
Credit reporting - They will continue to report to the credit reporting agencies. The report will reflect that the consumer has been affected by a natural or declared disaster. - ( i was not worried that my credit would be affected negatively ) XX/XX/XXXX, I have been denied for a loan. Due to the payment history being reported by SPS. They show {$0.00} monthly amount due on the letter. 
I have been disputing the information as they report to the credit agencies past due 30,60,90 day on my loan. ( I have completed the temporary forbearance ) I have spoke with the SPS and the credit reporting agencies about the late payments that are being reported and to no avail, they point fingers at the other. The SPS says they report we are affected by a natural disaster no payment due and the agencies state the SPS sends the information that a payment was not made, the agency only reports the information sent by the credit I have been trying to refinance my home to make necessary repairs and also to help prevent damage from the next storm. 
XX/XX/XXXX, I have been denied for a loan. Due to the payment history being reported by SPS. 

I sincerely appreciate your assistance with this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the information being reported on Transunion for the account under XXXX XXXX is inaccurate, under the remarks they have it as a deed in lieu, there was never a deed in lieu, XXXX XXXX bought the property back, I have the email from them were they show the don't have a deed in lieu, and the miss payments are wrong as well. there is no money owed on this account and there was only 2 missed payments before they bought it back, and have resold the property for {$34000.00}. they are require to show proof if requested by consumer, XXXX needs to show a signed deed in lieu document, which needs to have three signatures and be notarized stamp and signature, please forward all documents provided to Transunion by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Credit card or prepaid card

XXXX I spent {$2700.00} last month and I paid you {$2700.00} last month. Please reverse the invalid {$29.00} in interest charges per CFPB rules. 

If this is the Chase official answer than Chase is breaking the rules of fair dealing and clear consumer explanations. 

Facts : THIS CHASE POLICY IS NOT CLEARLY EXPLAINED TO THE CONSUMER 1 ) I have not had a promotional interest rate before from Chase, ( you can check ) so how would I know about this not explained rule. 
2 ) I HAD AMPLE CREDIT AVAILABLE TO ME ON OTHER CHASE CREDIT CARDS, SO WHY WOULD I THEN USE THIS CARD IF I KNEW IT WAS GOING TO COST ME {$29.00} ANSWER I DID NOT BECAUSE THIS FEE WAS NOT CLEARLY EXPLAINED BY CHASE BEFORE IT WAS CHARGED.

3 ) ALL OF THE EVIDENCE SHOWS THAT CHASE HIDES THIS FEE FROM THE CONSUMER AND DOES NOT CLEARLY EXPLAIN IT - THAT IS FRAUD AND IT IS FEDERALLY ILLEGAL UNDER FEd BUREAU LAWS. 

BECAUSE THIS CHARGE IS ILLEGAL UNDER CFPB LAWS WE WILL ALSO FILE A SMALL CLAIMS LAWSUIT IN XXXX FOR THE DAMAGES WHICH WILL FAR EXCEED THE {$29.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15usc1681 section 602 states have i have right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in 2019 and three years later this collection company is illegally reporting it on my credit report
Product: Debt collection

This Company is Violating my Rights they have not provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumers Report recently. I have made previous attempts to fix these issues directly with them due to this company violating my rights I am entitled to {$1000.00} for every Violation I have listed below they are to pay me or delete these Accounts within in 7 days Business days. 

USAA Federal Savings Bk Date Open XX/XX/XXXX in the amount of {$16000.00} USAA Federal Savings Bk Date Open XX/XX/XXXX in the amount of {$7200.00}
Product: Debt collection

Entity describing itself as CONVERGENT OUTSOURCING : Daily -- and some days twice daily -- computer calls to my telephone leaving a message that I owe a debt and asking that I call. When I call, I am put on hold or given excuses -- THEY HAVE NEVER IDENTIFIED THE DEBT THAT THEY ARE TRYING TO COLLECT. To my knowledge, I owe no debt. My credit rating is superb and I have not received any type of written notice regarding any debt. I have been at my current address for more than 12 years -- thus, if any debt exists, a written notice should have arrived. None has.
Product: Mortgage

We are in a hardship and received a letter regarding bringing our account current by XXXX XXXX, 2015 to avoid foreclosure proceedings. When I called on XXXX XXXX, 2015 XXXX to make the payment to bring the account completely current per Citi 's letter, I first spoke with XXXX. He transferred me to XXXX and at approximately XXXX, I was told " it did n't matter '' and that " I was in " their '' department now. '' I could make payments, but it would n't mean anything. XXXX was extremely rude and condescending. I asked to talk to a manager and she said " MANAGERS DO N'T TAKE CALLS ''. She kept condescendingly saying we had n't made any payments. We have. I told her this and she said " well it was n't enough and you 're in our department now. '' When I asked why they were not honoring what they had sent IN WRITING to resolve the delinquency she said " their department '' did n't write it, she did n't know who did, THAT LETTER MEANS NOTHING and just kept repeating herself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. While I was on Chase credit cards website trying to log in to set up or update my security features. I have 3 email come through at same time stated that there was a new inquiry. And the inquiry stars from Jpmcb. I was not trying to acess any records at that time. I immediately looked to who I should contact but the office is currently closed. And I also reached out to the branch of company on XXXX about. Which she couldnt do anything. So. Now I have another inquiry as i am trying to clear it up. So please reach out to them as I will tomorrow. Thank you so much. XXXX
Product: Mortgage

in XXXX I received a letter from XXXX XXXX XXXX stating the rate of the MIP will be lowered from 1.35 to .85 % and my payment will drop about XXXX $ I did n't need to do anything it would just come off in XXXX then I get another letter from Carrington Mortgage stating they have bought the loan and will be servicing the loan the rate was not dropped I called and they stated it will in time I just called again and asked why it has n't dropped yet they stated I di not qualify for the reduction in MIP due to the loan was not old enough???? Help
Product: Debt collection

I had XXXX XXXX account for my spouses XXXX. We separated some time later and my spouse disrupted the divorce process to delay and create further abuse, notably financial abuse. The zero interest on the account expired XX/XX/XXXX. I had paid the XXXX debt down to XXXX. I had multiple conversations with Comenity stating I had to leave my home due to abuse and was limited in the amount I could pay back. I was also diagnosed with XXXX limiting my ability to work. I was able to effectuate a divorce and had to evict my spouse six months later from our marital home which he refused to sell. My spouse was withholding assets limiting my ability to pay Comenity. XX/XX/XXXX I was able to force a sale. I pleaded with Comenity, the bill rose from XXXX to over XXXX because of " interest ''. To " settle the debt '' I had to pay 60 percent. An extreme amount since that was way over the XXXX I owed them. When I did the settlement the agents were rude, used threatening language, told me my credit would be ruined. In order to try and recover financially I settled the debt out of home sale proceeds. Throughout XXXX and XX/XX/XXXXXXXX  I am still being contacted by Comenity, they have threatened me with legal action, told me my credit will be further destroyed. I received calls XX/XX/XXXX, XX/XX/XXXX. I explained I have settled the debt and have asked them repeatedly to stop contacting me. I went thru XXXX  XXXX  during the marriage. Physical, verbal, then financial after I left. I ( had ) good credit and never paid a bill late in my life until fall of XXXX as I was in the process of evicting my former spouse from our marital home so it could be sold and I would receive proceeds to pay Comenity. The bill wasn't even mine, it was for XXXX  services for my spouse at the time. Through good faith I contacted Comenity several times to indicate I had hardships and asked for more time before the " interest free '' period expired as the financial aspect was out of my control due to the harassment of my spouse and his noncompliance with court orders. Come ity was rude, disengaged, lacked empathy, and continued to threaten destruction of my credit score and legal action. I have settled this debt, hand a letter stating so, and am requesting they be held accountable for their predatory lending practices and receive some training on empathy so they may relate to the people they speak with better. Thank you