23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I pulled my credit report and I noticed a bunch of inquiries that are unauthorized and Im very unaware of Ive had no idea whatsoever Ive also filed a identity theft report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I have a collection on my Experian report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by TransUnion. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : 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 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX XXXX. Date:XXXX/2023.
Product: Mortgage

Chase bank made a error and lien our property with another property 's loan and they are not responding to my complaint and I am about to lose a refinance because of their error, please read the complaint I filled with Chase. 

Reference : chase loan # XXXX Case # XXXX Case # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX To whom it may concern : In XXXX Chase offered to refinance this loan for a lower rate which we successfully did. 
In XXXX XXXX it was brought to our attention by XXXX that Chase Bank has a lien for collateral the neighboring house on XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX we are in the process of refinancing XXXX XXXX XXXX with XXXX they have given us notice that they can not proceed with the refinance until Chase Bank corrects this error and removes the collateral loan from this property to the correct property and parcel number which is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX. 

I have sent in writing at the beginning of XXXX to Chase alerting them of this error I received a letter on XXXX XXXX that they are " researching '' this issue I have called practically every business day since then talking to multiple agents and transferred from department to department with no one offering a resolution, I have contacted first XXXX XXXX XXXX ( file # XXXX ) they have acknowledged the error but can not proceed without instructions from Chase I have exhausted all of my attempts to try to get Chase to correct their mistake I have spent endless hours on the phone I have visited the local branch in XXXX XXXX and met with XXXX XXXX XXXX relationship banker XXXX XXXX who spent 1 hour on the phone and no one has any idea how to resolve this issue. 

Time is running out where we have a rate locked in with XXXX on XXXX for the refinance, if Chase does not resolve this by XXXX XXXX, XXXX I will have no choice but to initiate a lawsuit with legal action to recover my financial losses because of the error that Chase Bank is not correcting, Chase bank has had over 30 days of notice to correct this error, only to give me the runaround and much lip service without any resolution all I get " its being researched ''!! 

If I do not hear a response for you by Monday, XXXX XXXX, XXXX I will retain an attorney to represent me and to go with the full strength of the law to recover my losses and punitive damages for my time and energy exerted in trying to correct this wrong. 
You can reach me at XXXX my cell phone or you can reply to this email address I truly hope that the Chase bank will take this matter seriously and will respond favorably and immediately, Sincerely, XXXX XXXX
Product: Debt collection

I found out in XX/XX/XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.
Product: Mortgage

Applied for a loan with TD Bank. Submitted necessary application received been Conditional Approval on XX/XX/20. Uploaded all documents necessary for final approval. 
Received documents in mail to review. Initial rate on 7/1 ARM was 3.25 % on Loan Estimate. 
As part of the loan documents, I received a Rate Lock Agreement. This Agreement included a Standard Rate Lock for a period of 90 days. 
The Agreement included a Float Down Option which allowed a one time adjustment if the " current Bank advertised rate was 0.25 % lower than my current locked interest rate '' ( 3.25 % ). 
The Early Arm Disclosure Statement stated The Index is LIBOR12M. The Loan Estimate also included an AIR Table specifying the Index + Margin as LIBOR12M+2.25 %. 
During this process the Index moved lower and I requested the one-time Float Down on XX/XX/20.On XX/XX/20, I received an email stating ; " There is no float down available for this application today. The market is not a full .25 % lower '' after my contact stated she reached out to her " pricing department ''. 
Correspondence back from lender stated that the bank uses the SOFR index to set the Float Down rate. 
Numerous email correspondence and unanswered telephone messages requested clarification on the index and continued request for a Float Down. 
On XX/XX/20, I notified the bank that : " If do not hear from someone from your bank regarding the index question ( SOFR vs LIBOR ) by XXXX XXXX today, I will be reporting this issue to the FDIC and Office of Financial Regulation ( OFR ) for their review. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/Ashley XXXX is reporting a late for XX/XX/20. I did not mean to be late, I was unable to make payment because of a language barrier. I wasn't understanding what it was I needed to do and my daughter usually make the payments. I was never late before and I have been on time since. I ask they please remove the late notation from my file.
Product: Mortgage

I was overdue on my mortgage payment just past 30 days. Roundpoint Mortgage reported it to the credit agencies. This was back in XXXX of 2018, I contacted them in regards to having it removed from my report and they stated that it was against the law for them to do so. This negative mark on my credit is negatively affecting my credit score which I'm trying to raise. Any assistance in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

They reported late payment in a fully paid account and that a violation, the account is XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company HUNTINGTON BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are HUNTINGTON BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

Dear Chime Customer Support Team, I am writing to formally dispute inaccurate information that Chime has reported on my credit report. The information does not accurately reflect my account history, and I am requesting that it be investigated and corrected as soon as possible. 

The inaccurate information is as follows : Specific Inaccuracy : I only have a credit balance of {$140.00}. The reports show hundreds and sometimes even in the thousands Date ( s ) of Issue ( s ) : Latest balance reported on XX/XX/year> Balance of {$910.00}. 

To support my claim, I have attached a copy of the following document that verify my accounts correct status : XXXX XXXX balance. 
Please update my account information with the credit bureaus to reflect accurate details. Additionally, please send me written confirmation of the completed correction and notify the credit bureaus of these changes. 
I trust that you will investigate this matter in a timely and accurate manner under the Fair Credit Reporting Act ( FCRA ). Should you require further information, please contact me at the number or email listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely
Product: Checking or savings account

I had XXXX $ deposited into my XXXX acount onXX/XX/2020  from a state unemployement agency from my back pay. XXXX said i can not touch funds for 180 days. They have no customer service line because of the pandemic. The message center is all automated. I have sent messages asking for my funds to be refunded to the state agency and they have not done so and have not responded. I am about to be homeless and i dont knkw what to do. I need help. They have no customer service available because of pandemic.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX, XXXX, and Equifax due to improper and potentially illegal reporting practices related to my credit file. 

Background Information : XXXX XXXX sold my debt to a third party, yet they continue to report the account and late payments to my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my understanding that once a debt is sold, the original creditor no longer has the right to report activity related to that account. This practice is misleading, inaccurate, and detrimental to my creditworthiness. 

Additionally : XXXX has failed to ensure the accuracy of the information being reported, as required under the FCRA. Despite my disputes, XXXX continues to report outdated and erroneous account information without conducting a proper investigation. Equifax has similarly failed to investigate disputes and has reported inaccurate and outdated information about the same debt. 
Details of the Complaint : XXXX. XXXX XXXX : Sold my debt but continues to report late payments and account activity. Failed to notify me that my account information was being transferred or sold to another party. 
XXXX. XXXX : Failed to investigate disputes and verify the accuracy of Tower Loans reporting. Continued to report incorrect account details, including delinquent payments, after the debt was sold. 
XXXX. Equifax : Also failed to investigate disputes regarding this account. Reported inaccurate and outdated information after the debt was sold, in violation of FCRA requirements.
Product: Debt collection

Automated system advised I had a Best Buy balance and to choose an option to speak with representative. From phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, COMENITY BANK/XXXX  & CO XXXX
Product: Debt collection

On XXXX XXXX at XXXX hrs I received a call stating I owed an amount on a XXXX which I know nothing about. I called XXXX and they had no knowledge of it. The number on a reverse look-up showed it to be convergent outsourcing XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on this 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 ( EFTA ) and Regulations E. These actions have caused significant inconvenience financial loss, and I seek a appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ), XXXX XXXX under the account number ( XXXX XXXX ). This fraudulent, inaccurate, and false information consists of inquires for XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts and inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze for myself and my wife through Experian and the other 2 major bureaus XX/XX/2017. In a review to ensure my freeze is still valid, I tried logging into each bureau. Experian does not recognize me or my spouse. I have tried for 2 days to contact them via phone, which you can not get a human to answer and social media. No response. The login information I have recorded is correct. I paid {$10.00} per person and now have no idea if a freeze is in place or not.