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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Today I went to open up XXXX checking account on line I was declined an account I checked my check system reports there is accounts opened opened with my information by chime XXXX capital one bank which I never opened I checked my credit report accounts were opened using my information I never opened these accounts and I filed reports with police and fbi I want my name cleared by these banks and investigation be done by the fraud department in all banks lusted
Product: Debt collection

I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.
Product: Debt collection

I am filing this complaint about lendingpoint LLC regarding an alleged debt that is in dispute. On XXXX XXXX, I mailed a notarized affidavit certified mail to the company citing various violations of the FDCPA and requesting a response from the company as well as compensation within a months time. No response was received, and the company continues to violate my consumer rights as well as harass and defame my character. Their repeated phone calls during business hours interrupt my daily business as I am currently self-employed as well as their emails inundating my mailbox with correspondence including harassing language about reporting information to the credit reporting agencies and attempts to collect a debt. Lendingpoint has failed to rectify the situation and/or respond in any manner and continues to attempt communication when they were asked to cease their harassment. They were also invoiced for XXXX worth of violations. They are in violation of the following : 15 USC 1692b. ( XXXX ), 15 USC 1692b. ( XXXX ), 15 USC 1692f. ( XXXX ), 15 USC 1692d. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ), 15 USC 1692c. ( XXXX ). They continue to violate my right to privacy and their reporting of negative information to all three credit agencies has resulted in emotional distress, loss of the ability to conduct proper business and is a direct defamation of character which includes my credit score and ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EXPERIAN/XXXX  and XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX OF XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; CXXXX XXXX XXXXnquiry Date XXXX1.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Vehicle loan or lease

Credit Acceptance XX/XX/XXXX  r misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars.
Product: Bank account or service

I created a Citigold checking account using a promotional bonus code for XXXX XXXX XXXX miles that were to be awarded upon completion of set criteria. I met all requirements necessary to receive the bonus and positively confirmed having met all requirements with several citi agents via live chat on numerous occasions throughout the promotional period. After waiting more than 90 days after completing all requirements, I contacted citi to inquire about the delayed appearance of the bonus points. After several communications I finaly received an email stating that I would not be receiving the bonus points. I have since spoken to several agents and have not been offered any type of resolution.
Product: Student loan

XX/XX/2018 I was admitted to the hospital with XXXX problems. Since that time I have been hospitalized five times and under went XXXX removing half my XXXX. I have been unable to work since XX/XX/18 and have no source of income. 
I contacted NAVIENT three times by phone trying to defer the payments until I can return to work. They refuse to do anything stating my co-signer can pay the premium. The cosigner is my mother with whom I have had to move in with and who is paying my other bills such as health insurance needed to cover the massive cost of my health care. 
I asked NAVIENT to work with me and they refuse to make any changes. 
I fully intend to make payments on this loan, but currently am unable to. They are sending bills to myself and to my co-signer and adding late payment charges. 
All I am asking is that they hold off on payments until I can return to work hopefully in XXXX.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than XXXX  days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me XXXX days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this XXXX late remark from the payment history. Late XXXX  days in XXXX XXXX 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. '' XXXX XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " Late XXXX days in XX/XX/XXXX XXXX XXXX days in XX/XX/XXXXXXXX XXXX
Product: Debt collection

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.
Product: Money transfer, virtual currency, or money service

I used binance.us for a while and now have XXXX dollars stuck because I do not want to consent to binance ( a XXXX company ) to sell/share my biometric face data with third parties. 

I was not informed ahead of time and there is no option to decline and close my account as well as withdraw my funds ( which is currently in cash held on their platform not any digital assets ). This is an overreach for any centralized exchange. They already have more information than my bank and now they want the geometrical scan of my face. What???? Please help as I have contacted them and to no avail to be fair its only been a day though.
Product: Checking or savings account

My account through Venmo has been suspended for no reason. They had asked me for a picture of my I.d . And I sent it to them and nothing has been said back. I have over XXXX dollars on there of money that I have worked hard for and cant access it. I have a XXXX XXXX old child.. and my account is locked out with my only funds. I dont do nothing wrong on there I pay my bills and that is it. And they said unusual activity and are not wanting to resolve the issue.
Product: Debt collection

TO WAY POINT. YOU ARE REPORTING AN ACOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED AND IS INACCURATE. THIS IS A VIOLATION OF BOTH THE FCRA AND THE FDCPA. IF THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT WITHIN 7 DAYS, I WILL BE SEEKING REMEDY AND TAKING LEGAL ACTION FOR DAMAGES UNDER THE FCRA AND THE FDCPA FOR EACH VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY REPORT UP TO {$1000.00} EACH. I WILL BE SEEKING STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE SEEKING THIS FROM WAY POINT BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT TO MY CONSUMER REPORT. SO DO ATTEMPT TO EXPLAIN IF YOU ARE CLLECTING FOR ANOTHER COMPANY, I WILL STILL BE SEEKING ACTION AGAIST WAY POINT. THANK YOU!!!
Product: Mortgage

I have been trying to close my XXXX home loan with Fulton Bank. After my XXXX complaint they sent me a letter which I signed and returned to close it. I wired them {$65.00} for the lien to be taken off the house. I have been asking all week if my account has been closed and the person that responded to my first complaint never responds to my email. I need this account closed and they are preventing me from getting another loan which I think is illegal with how long they are taking and don't even respond. There is some sort of discrimination going on I believe that should be looked into.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on ( XXXX  ). According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : 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 


Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with this company and it is the worst loan I ever gotten. It is a title loan and I only XXXX or more with fees and interest. I got one or maybe two months behind because of me being off work for XXXX, yet now I am current. When I asked for one payment to be put on the end of loan I was denied. I received several disturbing phone calls more than three to four times daily, not respecting me or my work hours, being that I work starting at XXXX in the mornings. The messages are aggressive and mean. I was also a victim of debit card theft and it took me a minute to straighten out my bank account. I am thriving to get my title back, so I can remove myself from them calling my phone number.
Product: Debt collection

I Contacted Them So Many Times Because They Were Sending This Bill Saying I Owned Money to XXXX XXXX XXXX when I had my XXXX XXXX XXXX, He Has Medical As Well And They Told Me Last Time I Called To worries That They Will Take Care Of This Charging My Insurance That Way I Didnt Have To Pay now Theyre Sending Me To Collection For No Reason Is Not My Fault Since I told Them That Our Medical Was Active And Provided Them The Number And name Of the Insurance, they lied to me!!
Product: Credit reporting or other personal consumer reports

Letters were sent to XXXX on XX/XX/year> via certified mail to Transunion. They had received the Certified letters with copies of identification and utility bill for proof with all items that were in dispute. 

I have not received any letter or response regarding my disputes within the 30 days period and are in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

I am demanding XXXX to remove inaccurate and unverifiable information of that which includes : Any variation of my name of other than my full name, they have 3 different variations that are inaccurate and 2 employers that I am not associated with.

Any address that is not of the identification that I provided them and calling into question how can they verify that address and since it's unverifiable it is their responsibility to remove it, they have 3 that are inaccurate based on the report that I have pulled. 

They were also advised that I was not provided an opportunity to opt out of and un-authorized reporting and have contacted any current, prior or future reporting as required under 15 US Code 6802 and are still continuing to report as such. They are also in violation for inaccuracies 15 US Code 1681S-2 and 15 US Code 1681c. They have not provided the evidence that the payments were late, terms of agreement and the exact amount and how it was calculated. 

Transunion clearly is not doing proper investigation and I am demanding for everything to be rectified with them. They have been sent another letter not only to them but also to their legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX and XXXX. ( Please see page 8 of the attached credit report. ) These medical collection were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX   have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Mortgage

On XXXX/XXXX/2016, I applied for a HARP refinance loan with Homeward Residential ( Homeward ). I was told I would not need an appraisal for my refinance. I received my initial and ONLY Loan Estimate ( LE ) from Homeward on XXXX/XXXX/2016. A copy is attached. The LE does not include an estimated charge for an appraisal. It does include a general lender credit of {$180.00}. This lender credit reduces the cost of the loan and as such is a closing cost subject to zero tolerance under 12 CFR 1026.19 ( e ) ( 3 ). 
On XXXX XXXX, 2016, I received an e-mail ( copy attached ) from the loan officer indicating that an appraisal was required. I was asked to verify that payment information previously provided was accurate and could be used to process payment for the appraisal. The loan officer indicated that I would receive a lender 's credit for the appraisal amount at closing. I was charged {$440.00} for the appraisal, which was paid. 
I was given no opportunity to shop for an appraisal service. I was told this service was required by the lender. Under 12 CFR 1026.19 ( e ) ( 3 ), this makes the appraisal cost an item subject to zero tolerance. 
I never received a revised Loan Estimate detailing the change in the costs of my loan, as required by 12 CFR 1026.19 ( e ) ( 3 ) ( iv ). After the third business day following the date that Homeward was aware of the change ( XXXX XXXX, 2016 ), Homeward should have lost the ability to charge me for the increase in cost represented by the cost of the appraisal. Homeward should be required to rebate this cost under 12 CFR 1026.19 ( f ) ( 2 ) ( v ). 
On XXXX XXXX, 2016, I received an initial Closing Disclosure ( CD ). A copy is attached. The initial CD included a charge for the appraisal of {$440.00}, shown as paid prior to closing. This CD included a lender credit of {$620.00}. Presumably, this amount was the original general lender credit disclosed on the Loan Estimate of {$180.00} plus the amount of the appraisal ( {$440.00} ). 
The loan was closed on XXXX XXXX, 2016. We received a copy of the final Closing Disclosure, which is attached. The CD did not include a rebate for the zero tolerance error related to the appraisal as required under 12 CFR 1026.38 ( h ). I received no lender credit of {$620.00}, as disclosed on the original Closing Disclosure. 
I contacted Homeward Residential on XXXX XXXX, 2016 to discuss this situation. I was told that I was not entitled to a rebate of the appraisal fee or any other costs associated with this loan. At that point, O notified Homeward of my intention to file a complaint with the Consumer Financial Protection Bureau. 
Under Regulation Z, I am entitled to a rebate of {$620.00} for the increased zero tolerance costs on my loan with no proper disclosure under the requirements of 12 CFR 1026.19 ( e ) ( 3 ) and 1026.19 ( f ) ( 2 ) ( v ). However, Homeward is refusing to rebate these funds.
Product: Mortgage

My husband and I were trying to get a mortgage loan XX/XX/2020 through Loan Depot lending. We were told that my husband qualified for a FHA loan due to his credit score of XXXX. My score was a XXXX but I didn't qualify because I had late payments within a 12mo. Period. We were told to find a house pay {$500.00} Earnest pay, {$420.00} inspection fee and {$220.00} Appraisal fees. We did all that and when it was time to close we were told that the closing cost would be {$6000.00}. We saved the money and a couple of days before closing we needed to show proof of two times that amount BEFORE they could submit the application to the underwriters. We are now out of all this money and was told we can't be refunded due to the fact that we canceled our contract.
Product: Debt collection

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.
Product: Vehicle loan or lease

The reason why Im writing is Im getting tired of calling the representative are very rude and I have everything recorded on my phone for proof. Im XXXX  currently and I do not need this stress I have had two XXXX  back to back. My account is showing past due and a late fee that is not correct I was place on a special payment which I sign and faxed over. My payment was made on time of the correct amount of  {$98.00} on XXXX per the contract I even called and recorded the agent stating I made the correct amount on the due date. The other amount was {$140.00} per contract to start the next payment being {$98.00}. I did exactly what I was supposed to do per contract and it showing a late fee of {$15.00} and a past due {$140.00} amount that is breeching your contract and I will take you to court if my account isnt fixed to reflect the correct amount of {$240.00} due and no late fee. Thank you for your time. Have a wonderful day! Be safe!
Product: Debt collection

I call XXXX XXXX and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000. I told them that the account amount was incorrect and I have proof, which is XXXX. a letter from XXXX stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.
Product: Mortgage

XX/XX/XXXX Dating back to XX/XX/XXXX, I have been paying {$800.00} mortgage payment. The amount owed each month was on the average {$720.00} dollars. The payments varied based on annual real estate taxes and homeowners insurance. Examining my mortgage from XX/XX/XXXX up to XX/XX/XXXX the additional funds were not applied as additional principle to the balance. Because the additional funds were not appropriately applied, I believe the total amount due and payoff balance is significantly incorrect. I am requesting that Ditech reassess my account and credit all additional funds that were paid to be credited as additional principle. And I am requesting that the correct balance be reflected on my next mortgage payment statement. I have requested an accounting directly from Customer Service at Ditech, but have not received a response.
Product: Debt collection

I got a bill from XXXX XXXX. I have never been there. Dont understand why I am getting a bill from a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting since XX/XX/XXXX for a method of verification of this account. I have filed numerous complaints with Cfpb and all the time they tell you all they are working on my issue. This is a violation of the FCRA and I have escalated this to the state attorney office. I have no signed contract of any sort with XXXX XXXX. Equifax was suppose to remove this after 30 days because they have no proof. It had been 4 months. I have attached the original letter I sent to them. The other 2 bureaus deleted it and Equifax has it lingering with no documents or proof.