23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018, we sent a registered letter to XXXX XXXX, CFO USAA FEDERAL SAVINGS BANK, concerning our supposed mortgage. We respectfully invoked FDCPA and asked that she would answer some accounting questions. Instead of answering our accounting questions, she passed the responsibility onto someone working in the CEOs office. XXXX XXXX sent us a letter on XX/XX/2018, two days past the time required by the FDCPA. This letter did not answer weather or not we had the legal obligation to pay USAA FEDERAL SAVINGS BANK. While this debt validation process was taking place, USAA FEDERAL SAVINGS BANK sent us two bills and now a letter of default. Not only has USAA FEDERAL SAVINGS BANK violated the FDCPA, but they failed to validate that we had the legal obligation to pay them. USAA FEDERAL SAVINGS BANK also failed to answer weather or not they ever loaned us money in the first place. We would appreciate if you would take the time to look into this matter. We have all of the return receipts along with the original letters we sent in the attempt to validate this debt. We also have the envelope date stamped from the post office along with the paper letter sent to us from XXXX XXXX proving USAA FEDERAL SAVINGS BANK missed the dead line while failing to answer our accounting questions. Thank you for your most valuable time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX, L Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent account from XXXX XXXX opened on XX/XX/XXXX with the account number XXXX and a few fraudulent hard inquiries, the inquiries are 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
Product: Mortgage

[ NOT A DUPLICATE COMPLAINT ] I previously filed a complaint against Chase for failing to fulfill their mortgage guarantee program and received their response. But their response is not reflecting what happened. I sent in my response and reopen the complaint.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Factual Inaccuracy Dear Experian I am writing to dispute an item on my credit report that has been reported by XXXX XXXX XXXX, XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-S 2 ( 7 ) ( A ), I am entitled to request an investigation into the accuracy of this information. 

1. I dispute this item on the grounds that factual inaccuracy between the opening account date and the date of validation notification. Furthermore, I have not been provided with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 

According to the FCRA, you are required to conduct a reasonable investigation into the disputed item within 30 days of receiving this letter. After this investigation, I request that you Immediately delete any inaccurate information from my credit report. 

Please note that failure to comply with the FCRA can result in legal action against your company. Enclosed with this letter is a copy of the relevant document supporting my dispute. 

I expect a prompt and thorough investigation into this matter. Please provide a written response within 30 days acknowledging receipt of this dispute letter and informing me of the results of your investigation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Debt collection

I reached out to Commonwealth via letter on XXXX XXXX asking them to validate the reason this was entered on my credit report without contacting me and providing information validating that the debt belongs to me. They sent a statement from XXXX with my name for a patient name of XXXX XXXX, which isn't me and who I am not a personal guarantor for. I then reached out to them via phone on XX/XX/XXXX and told them they have illegally placed this on my credit report in which has caused me to be denied credit. I would like this removed from my credit report and mailed to me an updated credit report and a check for {$1000.00}.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App. due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaking my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulation E these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number # XXXX Subject : Failure to Reinvestigate Disputed Account in Violation of the Fair Credit Reporting Act ( FCRA ) Dear Trans Union I am writing to formally address your failure to conduct a reinvestigation of the disputed account, XXXX, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. As a consumer, I am entitled to accurate credit reporting and prompt reinvestigation of any disputed information on my credit report. 

On [ XX/XX/year> ] I submitted a dispute requesting verification and of inaccurate information related to the XXXX account appearing on my credit report. Under the FCRA, Trans Union is obligated to conduct a reasonable reinvestigation and respond within 30 days of receiving my dispute. However, I have yet to receive confirmation that a reinvestigation has been performed or any updated to my credit report. 
This failure to comply with FCRA requirements is a direct violation of federal law. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether disputed information is accurate within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Mandates that the agency notify the consumer of the results of the reinvestigation and provide any necessary updates to the consumers file.

To resolve this matter, I request the following : 1. Conduct a thorough reinvestigation of the XXXX account as required by law.

2. Provide me with a detailed response, including the outcome of the reinvestigation, any changes made to my credit report, and any documentation used to verify the accounts accuracy.

3. Send this information to my place of residence via U.S. mail at the address listed above. 

If you fail to comply with this request within 30 days of receiving this letter, I will have no choice but to escalate this matter, including filing a formal complaint. 

I expect your prompt attention to this matter. Please consider this letter as a formal demand to rectify this issue and provide the necessary follow-up. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Feel free to personalize this letter further and send it via certified mail for tracking purposes. 
Enclosed is my verification of my identity and identification
Product: Money transfer, virtual currency, or money service

Last week, my wife was not able to use the Citibank web site to transfer funds from her Citibank savings account to her checking account at XXXX XXXX. She had used this transfer feature of the Citibank web site in XX/XX/2017. However, last week there was a very clear problem with the Citibank Web site. The error message said [ Override me please { setProperty } ].

The Citibank Online Technical support person, XXXX, ignored this message, and instead insisted that the computer my wife was using was not up-to-date enough. His conduct during the discussion was disrespectful and condescending.

Several hours later, my wife received an email message that the problem had been corrected.

The problem most certainly HAD NOT BEEN CORRECTED.

Today I attempted use the same Citibank web site transfer feature to transfer funds from my Citibank checking account to my checking account at XXXX XXXX. The transfer could not be completed. Once again, the error message said [ Override me please { setProperty } ].

I contacted Citibank through their chat feature. The Citibank representative, XXXX, stated that no one had reported this problem with the transfer funds feature of the Citibank web site.
Product: Credit card or prepaid card

Following Payment in full of this account in XX/XX/XXXX - I have requested multiple times a final official credit card statement. The XX/XX/XXXX statement provided to consumer by Capital One Bank, NA shows a balance of XXXX. For accounting purposes, the account should have generated a final statement reflecting the current PAID IN FULL XXXX BALANCE. I request the statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One Bank, NA online profile indicates that a statement did cut for those statement cycle dates. However, these statements were not provided to consumer and remain disabled/blocked unable to be viewed online by both Capital One customer service representatives and consumer. 

Additionally, I request clarification as to why under the XX/XX/XXXX statements a duplicate statement for XX/XX/XXXX is shown.
Product: Debt collection

I filed for bankruptcy chapter XXXX on XX/XX/XXXX and the house I own in that time was discharged on XX/XX/XXXX. I filed chapter XXXX bk on XX/XX/XXXX and the company XXXX XXXX is trying to include this discharged debt on this bankruptcy.
Product: Mortgage

Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have disputed an account with EQUIFAX several times to no avail. The account I have disputed has been countlessly verified as accurate when in fact the account is incomplete and inaccurate. I have given EQUIFAX detail and even circled the blatant inaccurate information on the account with red ink while also highlighting other inaccuracies. The account they continue to verify is from a company called XXXX XXXX XXXX EQUIFAX is in violation of 15 USC 1681e ( b ). I am requesting a detailed description per 15 USC 1681i ( 6 ) ( b ) ( iii ) on how they continue to verify the erroneous account. It is driving me crazy, and I want answers.
Product: Debt collection

Weinberg mediation group continues to call me even after sending them a letter asking for a validation debt letter. I also sent them a Cease and Desist letter. 

Weinberg Mediation Group XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Mortgage

Essentially I was verbally told I would have points waived in order to qualify for rate I was quoted by the Citibank lending agent team. One week prior to closing I was told discounts were already applied and that I only had two options : 1 ) pay higher interest OR 2 ) use points to buy down to initial rate quote ( this was on a 60 day lock ) I chose to got with buy down option, which cost me ~ {$1500.00} to secure the lower interest rate, which agent said would be waived. 

Loan has since been given to XXXX
Product: Credit reporting or other personal consumer reports

I BEEN WANTING TO SPEAK TO THE CEO OR SUPERVISOR.My account is paid in full and closed, for XXXX XXXX XXXX however its showing Im still 30 days past due for XXXX  2023. I am not understanding why Im showing 30 days past due when I paid the loan off. I feel very violated and wrongful of this on my TransUnion report. I am not understanding why this company keep reporting negative information. Im going to the police to make a report and will be getting my lawyer involved There is no way I should still be showing late on my credit report of the account is closed and there is no balance! How Im 30 days late if there is no balance? WHY IS IT STILL SHOWING LATE FOR 2023 XXXX I paid the balance! I am getting the police involved!
Product: Credit reporting

I am on ssi and have insurance that covers medical bill I have no co pay but they put bills on my credit report any way please remove medical
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a claim with the Consumer Financial Protection Bureau regarding several hard inquiries listed on my Equifax Credit Report. I listed each inquiry and asked that they be removed because they I did not place inquiry into any of those accounts listed. 

Since then, XXXX inquiry still remains with XXXX XXXX. I have not applied for anything with XXXX nor do I have any open accounts with XXXX. I am asking again that you please remove this inquiry as it is reporting improperly and inaccurately on my credit report. 

I have also received stalled mail from XXXX indicating they need to confirm my identity and I can do so by providing a copy of my drivers license and social security card amongst other options. I provided my drivers license and and social security card in my initial claim with CFPB but I will submit it again here. Please reframe from sending stalled tactic mail as such when it is documented that I submitted documents to verify my identity as a courtesy before now with XXXX therefore my identity should be on file. In addition, I am submitting my Identity Theft Report from the Federal Trade Commission.
Product: Debt collection

Received early am call from a " XXXX XXXX '' with Atlantic Recovery, proceeded go inform him that u did n't have time for this call at the time and hung up, immediately received another call and a lengthy voice mail, afterwards this guy call my brother trying to get in contact with me, informed my brother that he had information about other family members he would contact to get to me. No information as to who his " client '' was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 I called XXXX  XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!
Product: Debt collection

I have asked Midland collections to stop contacting me but they seem to be ignoring me as if i dont matter, i received a letter today from them wanting me to pay something im not even sure is mine. They refuse my rights as to showing the original purchase for this account saying they dont have show me which is wrong because capitalone could have put conditions concerning the purchase and when you buy in bulk applys to all. If they own this account why is there a problem showing the purchase, the original open date for the account the original contract date, the original charge off date, show late payments, the original interest rates, XXXX XXXX yrs old im not going to be taken advantage of or bullied in paying some one who tell me they dont have to prove any thing to me. I have asked CFPB several times to help me with these people i have als askedthe ( 3 ) agencys to help me and no one seems to think midland has abused my consumer rights the agencys are not investigating the info being sent to them out of greed for making money off my account without my consent if you are going to sell my info you have the responsibility to make sure what yu are reporting is accurate. I asked midland to stop reporting until the investigation has been completed same for the three agency, and send me a copy of the investigation with who they talked to, the dept, date & time, who signed off on it the original form used to investigate midland kept reporting agencys also ignored my request. Im a consumer but my voice or rights mean nothing if these agencys are not made to respect the laws of this land and held accountable for there actions no one police these agencys no one make the three agencys to stop depending on AI to do there jobs but you dont if you cant do your job i requesting the three agency to stop selling my info until they get my consent and also show me that they did the investigation before selling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Product: Credit card or prepaid card

I purchased tours of the XXXX XXXX XXXX and XXXX from XXXX on XX/XX/XXXX. These tours were refundable when booked. On XX/XX/XXXX, I contacted XXXX about a refund since my flights were canceled and I had to cancel my trip because of COVID-19. The response I received was that my reservations were placed on hold and would be refunded if I did not provide new dates within 180 days. So the refunds should have been issued by XX/XX/XXXX. 

When I realized I did not receive my promised refunds, I reached out to Chase on XX/XX/XXXX, within 60 days of the expected refund, to initiate a dispute and sent them screenshots of my email conversation with XXXX. I received a response that they were researching my disputes. On XX/XX/XXXX, I responded to a request for more information from Chase and sent screenshots of my email conversation with XXXX a second time. On XX/XX/XXXX, I received a letter from Chase that they " considered the charges to be valid because they didn't find any evidence of a billing error. '' I responded to this via secure message as the stated reason makes no sense and for a 3rd time sent them a screenshot of my conversations with XXXX. I have received no response outside of the automated responses to this message. 

I also contacted Chase via XXXX XXXX  about this issue and was told that they resubmitted the dispute. They they contacted me today to say that the claim request was denied and the disputes team said that I have no dispute rights over a cancellation in XXXX for a service in XXXX. Note that this was never communicated in the past and the reason given initially for the charges being upheld was that they " didn't find any billing error. '' Chase is being super shady about this and I filed the dispute as soon as I realized that XXXX did not issue the refund by XX/XX/XXXX as promised.
Product: Debt collection

I have received XXXX civil summons in nc from the same debt collector and they are also a law firm ... is this a type of intimidation ... I got summons afther summons from the same place. I was n't even informed that they were about to summon me