23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX
Product: Debt collection

send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX , XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my XXXX  address. The mail center is XXXX XXXX XXXX in XXXX XXXX, Nv XXXX XXXX ************ this company only send me a copy of a bill, no contract or ect**************
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A title loan ( refinance ) was opened on XXXX/XXXX/XXXX with Key Bank. This institution is based in XXXX, Ohio. I live in XXXX Kentucky. There were branches nearby at the time of taking out this loan. Since this time, all Kentucky branches have closed. 

The account was paid in full ( online ) on XXXX XXXX, XXXX. Since this payment was made, Key Bank sent a Lien Termination letter with notarization, but did not otherwise seek to release the lien with the XXXX XXXX Clerk 's office. 

On XXXX XXXX, XXXX, I traded this vehicle at a dealership in XXXX, Kentucky. Since this time, both the dealership and I have tried to release the lien on the vehicle with no success. 

Kentucky requires that form TC XXXX ( as required by the Kentucky transportation cabinet ) be completed by the lien holder and will not accept a lien termination letter. 

Key Bank does not have this form on file and has failed to attempt to release the lien. They have only sent extra copies of the lien termination letter. I have been forced to fill out this form and fax to Key Bank with the hopes that they will comply and fax a copy, with a forwarded original to the XXXX XXXX XXXX 's office.
Product: Credit card or prepaid card

In XXXX I received an email regarding a replacement card that was sent to me. I immediately called the bank as i did not request a replacement card. The representative that I spoke to on that day indicated that a new card was being sent because there was a new feature that was added to the card. She indicated she could activate the card for me to which I responded no, because I had not yet received that card. Towards the end of XXXX I logged on to my account to pay my bill and noticed that they were several charges on my account that I did not do totaling over five thousand dollars. I immediately called and informed the bank about the charges and requested that the card be closed and a replacement and to be sent VIA XXXXXXXX, with signature required at delivery. Please note that I still had my original card in my possession and had not received the replacement card that was sent earlier in the month. The card I requested to be sent to me via XXXX was received. An investigation was allegedly done by the institution and they are accusing me of making those charges. I will state for the record that I never received the card neither did I activate the card or make those purchases. I have requested proof that I made the charges and no proof was provide. I was told that nothing else can be done.
Product: Debt collection

My Barclays arrival credit had a balance that I was paying consistently. I was then enrolled into a credit relief program. They settled the account with Barclays. This was settled and paid off however Barclays still shows it as a charge off which negatively affects my credit.
Product: Credit card

I received XXXX phone calls from Citibank on XX/XX/year> regarding a XXXX XXXX that my fiance has. The first call came in at XXXX and the agent asked for him to which I responded asking how did they get my number? The agent lied stating that it is on his file and they were reaching out to him about an account with them and wanted to get information about me too. I asked the same question again and included that my information was never included when he applied for the card nor did he add me as an authorized user. The call was disconnected. I received a second call at XXXX the same day but ignored it since I recognized it. The third phone call came in at XXXX to which I did pick up and asked the agent why are they calling me for the XXXX time on the same day after I spoke with someone at XXXX. The agent told me that nothing was showing in her system that they did reach out earlier, so I asked her the same question of how they got my number. She refused to answer that question so I went further reminding her that I am a third party person and I'm supposed to be contacted only once, not 3 times the same day and that they are in violation of the FDCPA since I have proof on my phone of getting contacted 3 times in one day. The phone number that they called me from each time was the same one too.
Product: Credit card

XXXX offer credit care credit card as a option for payment for services on XXXX XXXX, and XX/XX/2024 partial service was rendered unacceptable, credit care paid the full payment without my signature or credit card in my possession
Product: Student loan

My loan is in forbearance. As of today 's date   XX/XX/XXXX     I tried calling Navient at  XXXX  and  XXXX  to talk about starting repayments.  <P/> I had to call  three  times to the  XXXX  number. It is an automated system that simply disconnects the call and refuses to turn the call over to a live human being.  <P/> I then called the  XXXX  number and received a human being outside of   XXXX  . I requested a supervisor in  XXXX . After a five minute wait the operator to whom I had made the request came back on the line and stated that " they had no direct number to a supervisor. ''
Product: Mortgage

There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This original complaint XXXX was closed by CFPB and was never even sent to the company. 
This is NOT a duplicate request. I do not understand how you can close a complaint and say it was already processed when Ive never placed a complaint before. 

Please review and investigate My complaint XXXX and if you find that there is a duplicate prior to the number stated above, send me verification of this.
Product: Checking or savings account

My Chase personal checking account hacked from XXXX, FL {$2700.00} approximately. XX/XX/2023. Fully reimbursed. 

XX/XX/2023, also from XXXX, FL, {$2200.00} Chase debit card PIN used. I filed a XXXX XXXX, CA Police report. Chase has denied my claim. Even though it appears the same XXXX, FL involved in both hacks, fraud. Same individual. Apparently. I have never been to XXXX, FL. Know no one there. 

XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, we wife and I sent letter to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit reports. We have long since received investigation results from XXXX and XXXX XXXX, but we have yet to receive anything in the mail from Equifax. We 've even sent follow-up letters. Still, no response.
Product: Debt collection

I do not believe the debt they are reporting and suing for is valid. I have received no verification or any type of communication regarding the debt until a lawsuit was filed. And even then I have received no communication.
Product: Debt or credit management

I paid XXXX $ a month for my credit to be repaired and it wasnt repaired made payments for months
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ XXXX, XXXX, TransUnion ] for Violation of FCRA Complaint Details : Summary : I am filing this complaint against XXXX, XXXX, and TransUnion for failing to provide a method of verification for disputed items on my credit report and for repeatedly sending stall letters despite verifying my identity. These actions violate the Fair Credit Reporting Act ( FCRA ) and hinder my ability to ensure the accuracy of my credit report. 

Detailed Explanation : Failure to Provide Method of Verification : Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), credit reporting agencies are required to provide the method of verification used when responding to a consumer 's dispute regarding the accuracy of information on their credit report.

Despite my repeated requests for the method of verification, none of the three credit agencies have complied with this requirement, thereby violating the FCRA.

Sending Stall Letters : I have received multiple stall letters from XXXX, XXXX, and TransUnion. These letters claim that my dispute can not be processed due to the need for additional information to verify my identity. 
I have provided all necessary identification documents, including my driver 's license, Social Security card, and utility bills, to verify my identity. 
The repeated sending of stall letters instead of addressing my dispute constitutes a delay tactic, which is not permissible under the FCRA Section 611 ( a ) ( 1 ) ( A ) requiring prompt investigation of disputed information.

Violation of FCRA : By failing to provide the method of verification and repeatedly sending stall letters, the credit agencies are in clear violation of the FCRA.

These actions undermine my rights as a consumer to ensure the accuracy and completeness of my credit report.

Request for Resolution : I demand that XXXX, XXXX, and TransUnion immediately provide the method of verification for the disputed items on my credit report. 
I request that these agencies cease sending stall letters and instead process my disputes promptly and in compliance with the FCRA. 
If these issues are not resolved promptly, I intend to pursue legal action against these agencies for non-compliance with the FCRA, as permitted under FCRA Section 616, which allows consumers to sue for damages resulting from willful non-compliance.

Conclusion : I seek the CFPB 's intervention to ensure that XXXX, XXXX, and TransUnion comply with the FCRA and rectify the issues outlined in this complaint. It is imperative that my rights as a consumer are upheld and that these credit reporting agencies adhere to the legal standards set forth by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

My problem is with PayPal, Synchrony Bank, from what I gather who manages it. They lend you money on purchases for up to six months on items of {$99.00} or more, but their slippery slope is that floating closing date for billing. It varies each month with the hope of tripping up the borrowers with higher than expected payments who will have to try figure out their muddled billing cycle that floats. I do not like it that I face 24 % interest with the varying closing date, plus other unknown fees and whatever. On the other hand, if it were consistent, then one would know what s/he is getting into when borrowing, but as it is, it is corrupt and can easily trick a borrower through obfuscation and muddling of due dates for billing cycle, billing amounts, etc. There is a 25 day borrowing period or payment cycle, but the closing date varies for convenient obfuscation and adding the slippery slope for playing the borrower. It is NOT good for consumers, as one can not know what the cutoff date is for payments. I'll not be using them save for paying monthly and in full, but I have to wait for them to move and set up closing date, which will be tricky. In effect, I was not able to use the six months for paying for the > {$99.00} item. It would be good for consumers, if it were clearly laid out and not changing all the time, such that one gets confused about cutoff dates, billing date, etc. Otherwise, it's corruption 101, and buyer beware, crooked people are out to fool you and get you on a slippery slope.
Product: Payday loan, title loan, or personal loan

My vehicle was paid in full on  XX/XX/XXXX . On  XX/XX/XXXX  the bank pulled a additional payment. Upon calling the bank they acknowledged the overpayment and stated that since it was ach from my account that the check would be mauled back to me. I still as of today have not received the check. After speaking to the bank they now state they do not have a association with the  Bill p ay sevice. However upon searching the billpayment service it shows owned by fifth third. The bill payment swrviceis also now staying they have no record.I have provided bank statements and have spent countless hours working to get back the overpayment.
Product: Consumer Loan

On XXXX XXXX, I attempted to co-sign a loan online for a relative so he could purchase a piece of commercial equipment for his business through Sheffield Finance, the financial company affiliated with the dealership in Arizona. We received a denial and a list of reasons that 'could ' have contributed to the denial. The loan representative informed my brother that the company 'policy ' was not to accept co-signers from out-of-state and that we should try a bank, that the interest rate on the loan would be better anyway. 
On XXXX XXXX, we attempted to submit a loan, again with myself as co-signer, through his bank, XXXX XXXX. We both received similar letters informing us of the denial and what reason 'could ' be included. It was then that I learned that out-of-state co-signers may not be allowed under Arizona law. 
My first question is : if out-of-state co-signers are not allowed in Arizona, why is this not stated in some form on the websites? Why do the algorithms allow the applications to go through with addresses in XXXX different states? 
And, most importantly, why did I get hard inquiries on my credit score from both Sheffield Finance and XXXX XXXX? 
I do not have access to Arizona law to do the research myself. 
The loan is no longer needed but I still have the hard inquiries on my record and I would like to know what the reason is that these financial companies are not being transparent about this 'policy ' or 'law '. And, if this is actually the case, I would like to find out if I can get these erroneous hard inquiries off of my credit record.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All alleged contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


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