23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

sent mail saying owe XXXX and XXXX a month havent missed any payments normal amount XXXX i feel they are harassing me i have the letter will send it to you thankyou
Product: Money transfer, virtual currency, or money service

I got a check from Ram payment llc Relient file number 2022-CFPB-0003 for paid fees they didnt provide. The check is from XXXX  and Im just trying to get a new check so I can get my refund
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, XXXX  and Experian credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the four negative accounts you are reporting on my credit report. I have disputed these accounts multiple times with the credit bureaus, and each time, they are returned as verified, yet no proof has been provided that includes my legal signature or authorization for these loans.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I demand that you provide documented evidence, including my signature, proving that I authorized these accounts. Also under the FCRA, billing statements or charges do not suffice in proving that I authorized these accounts! Failing to do so is a violation of federal law, and I expect immediate corrective action if such proof can not be produced.

It is my right under the Fair Debt Collection Practices Act ( FDCPA ) to request and receive full validation of these debts, including loan agreements signed by me. If Affirm is unable to provide this documentation, you are required to stop reporting these accounts to the credit bureaus and ensure their prompt removal from my credit file. 

I am giving you 30 days to resolve this matter and provide me with the necessary proof. If no such documentation exists, you must delete these negative items from my credit report and provide written confirmation of their removal. 

Your continued failure to provide verifiable evidence, including my legal signature, constitutes a violation of my rights under the FCRA and FDCPA, and I am prepared to pursue legal action if necessary.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX  WA. I stayed there for roughly 21 nights in the month of XXXX XXXX On the final day of my stay, the front desk clerk informed me that they normally offer a prorated flat rate to guests who stay more than a week. Id been paying market price the entire time with the exception of one free night from XXXXXXXX XXXX  points allotment. When I asked if they could retroactively apply that rate, I was given a hard no. When I asked why I was not offered this prorated rate at any point over the course of 3 weeks, I was told by the manager that we dont have to. When I asked why they elected not to, the manager then began shrieking at me in about as rude a tone as I could imagine given that Id only asked 2 logical questions. By paying market price, when there was an option to pay a flat {$130.00} rate, I ended up paying roughly XXXX extra dollars per night for 3 weeks. Their phone number is XXXX
Product: Mortgage

I was told when I signed my home purchase contract XX/XX/XXXX that I would close mid XX/XX/XXXX. My mortgage is through XXXX XXXX XXXX facilitated by NACA. Mid XXXX NACA Loan officer advised I needed to get my Home Owners and Flood insurance to close XX/XX/XXXX. I got the insurance through XXXX. Closing was moved to an estimated around end of XXXX, in the meantime I had a XXXX XXXX and received XXXX payment this past month. NACA loan officer now states I no longer qualify to close because of my long term XXXX payments. Despite for the last two years of going through this process I have done everything asked. I submitted an employment verification letter showing I am still a fulltime employee and my yearly salary. I have been discriminated against and because I had a XXXX XXXX medically certified and receiving XXXX payments in violation of ADA and FHA. 

Fair Housing Act The Fair Housing Act, 42 U.S.C. 3601 et seq., prohibits discrimination by direct providers of housing, such as landlords and real estate companies as well as other entities, such as municipalities, banks or other lending institutions and homeowners insurance companies whose discriminatory practices make housing unavailable to persons because of : race or color religion sex national origin familial status, or disability. 
In cases involving discrimination in mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and the Equal Credit Opportunity Act. The Department brings cases where there is evidence of a pattern or practice of discrimination or where a denial of rights to a group of persons raises an issue of general public importance. Where force or threat of force is used to deny or interfere with fair housing rights, the Department of Justice may institute criminal proceedings. The Fair Housing Act also provides procedures for handling individual complaints of discrimination. Individuals who believe that they have been victims of an illegal housing practice, may file a complaint with the Department of Housing and Urban Development [ HUD ] or file their own lawsuit in federal or state court. The Department of Justice brings suits on behalf of individuals based on referrals from HUD
Product: Credit card

I added chase offer of spend {$XXXX or more then get {$XXXX} back to my account and made sufficient purchases. The chase offer does not successfully triggered now shows expired. XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the three major credit reporting bureausEquifax, Experian, and TransUnionregarding their failure to properly investigate my credit disputes as mandated by the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have submitted multiple disputes to these bureaus, challenging inaccuracies and errors on my credit reports. Despite my diligent efforts, these disputes were not investigated promptly or thoroughly, as required by law. It appears that no human being ever actually reviewed my file, raising serious concerns about the automated and perfunctory nature of their response processes. This negligent handling of my disputes has significantly impaired my fair access to credit, causing undue financial distress and frustration. I urge the CFPB to intervene and ensure that these bureaus adhere to their legal obligations, ensuring fair treatment for consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is XXXX, Experian, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.
Product: Money transfer, virtual currency, or money service

I have been working with DebtBlue to payoff some credit card debt and I wish to payoff my entire balance and also inquire about the terms of the current debt. After calling them and not getting a good response I sent them an email in order to maintain a written record. 

On XX/XX/2021 I sent the following email to XXXX : Dear DebtBlue, I would like to pay off my loan. Kindly let me know at the soonest : What is the pay off balance? 
What was the original principal? 
What is the APR? 
What are the instructions to pay off the remaining balance? 
This is my second attempt to contact you. I hope to hear from you this time. 
Many thanks, on XX/XX/2021 they responded : Hello XXXX, This is XXXX with DebtBlue. 
The amount to payoff your account will be {$2800.00}. 
{$2300.00} - to payoff your account {$500.00} - Fees {$1800.00} - Settlements {$30.00} Cushion = {$2800.00} If you have anymore questions feel free to call in at ( XXXX XXXX XXXX ext XXXX Thank you, XXXX at DebtBlue. 

Notice in the email they did not provide the all the information requested. In particular they did not explain how I could payoff the balance as I had requested. 

on XX/XX/XXXX responded : Many thanks. Please also confirm the original principal as I had requested in my previous email. As I also wrote in my previous email I want to pay off the full remaining balance ( {$2800.00} ). Please send me the instructions to pay off this remaining balance at your earliest convenience as I had also requested in my previous email. 

I received no response and sent a subsequent email on XX/XX/XXXX : Dear XXXX, This is my third attempt to obtain instructions on where and how to pay off my loan balance and find out about the APR. Is your lack of response a willful attempt to prevent me from paying off my loan and incur additional interest costs? Is your unwillingness to share my current APR an additional evidence of your lack of transparency? If I do not receive clear instructions on where and how to pay the remaining balance within the next 24 hours, I will consider the answers to be yes and will contact the CFPB. 

Regards, I have yet to receive a response to my inquiry. As my above email suggest and as their inaction demonstrate, I believe this is a willful act to prevent me from paying off my debt and continue to incur an unknown interest rate ( which they refuse to disclose ). Even the monthly statement lack transparency - most loan statements clearly stipulate the remaining balance and interest. I believe that this is not an isolated problem but a systematic deficiency in their lending practice that is intentionally deceptive in order to prevent consumers from paying off their loans or perform comparison shopping for a better rate. The consequence is widespread financial damage to the consumer.
Product: Checking or savings account

First one- Sent {$1000.00} over XXXX  XXXX meant to send {$100.00} person blocked me i disputed and they denied the dispute. 
Second- Got phone stolen and they spent {$880.00} on XXXX XXXX/ payment apps etc and they also denied that dispute. Im missing {$1800.00} and they didnt do anything and just closed my claims that money was going to be for this semester of college and now im XXXX.
Product: Student loan

I got my student loan over 20 years ago. I did not speak to a counselor to guide me. I had no idea what I was getting myself into- I was young and had no guidance- was lost in school and had to drop out.
Product: Credit reporting or other personal consumer reports

Transunion has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting to call and request a copy in the mail. I called Transunion and they can't give a reasoning I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.
Product: Vehicle loan or lease

In late XXXX I purchased a XXXX XXXX XXXX. I got a loan through a broker from XXXX XXXX XXXX. At the very end they told me the interest rate was about 20 % after we had already done a ton of paperwork but the guy said just pay it off quick to avoid the interest. Two years later I called to see about paying it off early and what I could save. They then told me you cant pay if off early all the interest has to be paid. So I will have to pay close too XXXX or over to pay back a XXXX loan. This doesnt include the XXXX I had to come up with myself up front. Now I have been late a number of times but I always pay. They told me I owed nearly XXXX in late fees which is literally impossible. XXXX a month in late fees would have to be me late XXXX times on a sixty month loan. They admitted to having charged me late fees during COVID relief as well. Do yourself a favor and avoid these predatory lenders at all costs they have dang near bankrupted me and I am a XXXX XXXX XXXX XXXX XXXXXXXX. If anyone has had a similar experience please contact me as I am looking to build a case to stop this behavior
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been stolen.
Product: Debt collection

This complaint is against American Express ( hereinafter AE ) regarding their repeated attempts to collect an amount that is inaccurate, and based on a breech of agreement on their part, whereby, the AE that dates back to XXXX 2014. The account agreement interest rate on the account should be 18.24 %, and is now being billed at over 29 % in violation of their own agreement. 

The account in question is being overcharged, and and shoped around to various credit reporting agencies in an effort to mar my credit and reputation, and causing me to be unable to obtain other credit. 

In addition, the AE account in question and appearing on my personal credit report as a negative item is a business account for XXXX XXXX XXXX, XXXX and should not be on my personal credit report. 

I first tried to resolve this matter with AE, and later disputed the negative item on my personal credit report with all three major credit reporting agencies, XXXX, XXXX and XXXX all to no avail, and with no response that my disputes with their perspective firms were investigated. To date, I none of the aforementioned have provided sustaining documents to validate the information all have placed on my personal account as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

***ATTN CFPB ***EVIDENCE ATTACHED*** CRIMINAL CORPORATE CULTURE EXPOSED *** FAILURE TO CREDIT PAYMENTS, CONSUMER FRAUD, MORTGAGE FRAUD, ILLEGAL DEMAND LETTERS, ESCROW FRAUD, MORE # 1FAILURE TO CREDIT PAYMENTS ... 
ON XX/XX/XXXX AT XXXX XXXX EASTERN TIME I MADE THE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... I LATER RECEIVED A STATEMENT SHOWING MY NEXT PAYMENT IS DUE XX/XX/XXXX ( COPY ATTACHED ) # 2 MY  LOAN IS PAID AHEAD BUT I STILL GET AN ILLEGAL THREAT TO FORECLOSE ... SAYING MY LOAN IS IN DEFAULT ( COPY ATTACHED ) CONSUMER FRAUD AND MORTGAGE FRAUD # 3 I ALSO RECIEVED AN ILLEGAL DEMAND LETTER, PART OF THE TERROR TACTICS THIS COMPANY USES. IF XX/XX/XXXX AND XX/XX/XXXX WERE TRULY LATE I WOULD OWE XXXX AND A SMALL LATE FEE ... APROX {$90.00} ... INSTEAD I GET AN ILLEGAL DEMAND FOR XXXX MORE CONSUMER AND MORTGAGE FRAUD. ( COPY ATTACHED ) # 4 THIS COMPANY ROUTINELY STEALS PRINCIPAL WITHOUT CREDIT BUT THIS IS THE FIRST TIME WE HAVE PAID AHEAD AND HAD AN ILLEGAL FORECLOSURE THREAT. 

# 5 THEY ARE DOING THIS BECAUSE WE ARE FILING A LAWSUIT AGAINST THE CEO AND SEVERAL REPS PERSONALLY IN ADDITION TO THE CORPORATION.

# 6 WE HAVE AN EYEWITNESS ( THE LOAN BROKER ) THAT CONFIRMED SEVERAL VIOLATIONS OF THE TRUTH IN LENDING ACT BY XXXX XXXX. HIS NAME IS CEO XXXX XXXX @ XXXX XXXX # 6 WE ARE PAST THE DEADLINE FOR AN OUT OF COURT SETTLEMENT SO AS WE MOVE FORWARD HERE ... THIS DISGUSTING MOVE TO ILLEGALLY STEAL THIS HOME ONCE AGAIN EXPOSES THE LACK OF REGARD FOR THE LAW THIS ORGANIZATION HAS. THEY ARE LITERALLY LAWLESS. 
# 7 YOU WILL NOTICE XXXX IS DUE INSTAED OF THE XXXX THAT IS ACTUALLY DUE ... THIS IS ALSO FRAUD ... FEES FROM A FORECLOSURE THEY SAID THEY WERE NOT DOING TWO YEARS AGO ... THEY PAID PEOPLE THEY WERE NOT SUPPOSED TO LIKE INSPECTORS AND ATTORNIES ... AND BILLED US ILLEGALLY
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject.

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

OPORTUN/XXXX XXXX XXXX XXXX - Those 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 me or OPORTUN/XXXX XXXX XXXXustomer service representative. 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their improper debt collection practices and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claiming that I owe a debt to XXXX in the amount of {$450.00}. However, I have never received any official communication or letter directly from this collection agency, and the information presented in the document contains false and unverifiable details. Specifically : Incorrect Address : The document lists an address ( [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ] ) that does not belong to me. 

Incorrect Account Information : Upon contacting XXXX, I was informed that the phone number attached to this alleged account is XXXX, while the document provided by the collection agency lists XXXX. This discrepancy demonstrates that the account information referenced is not accurate or associated with my XXXX account. 

Failure to Validate the Debt : Upon contacting XXXX directly, I was informed that they could not validate or confirm the debt presented by the collection agency. 
These discrepancies indicate potential violations of federal laws, as outlined below : Failure to Validate Debt Properly ( 15 U.S. Code 1692g ) : Debt collectors are required to provide accurate and sufficient validation of a debt upon request. The collection agency failed to contact me directly, and the information in their communication is false and unverifiable. 
Misrepresentation ( 15 U.S. Code 1692e ) : The FDCPA prohibits debt collectors from using false or deceptive means to collect a debt. Providing incorrect information about the address and account details constitutes a clear violation of this provision. 
Inaccurate Information Furnished to Credit Reporting Agencies ( 15 U.S. Code 1681s-2 ) : If this debt has been reported to credit bureaus, it violates federal law, as furnishers are prohibited from reporting inaccurate or unverifiable information. 
This collection agency is engaging in unfair and misleading practices, and their actions are causing unwarranted stress and confusion. I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violations of federal law.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX bankruptcy discharged .
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately 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 XXXXXX/XX/XXXX