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

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 Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information.

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file.

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Checking or savings account

Purchased a CD in the amount of {$80000.00} with Popular Bank on XXXX XXXX XXXX The CD was for 12-months in duration and matured on XXXX XXXX XXXX. A letter was received in the mail on XXXX XXXX stating that I had to call on or after XXXX XXXX in order to close the account or that it will automatically renew at a new interest rate ( this was not agreed upon prior to the CD purchase ). No where on their website was I allowed to close the account. The app also does not provide any useful information or tools on managing your account. I received no phone call on the XXXX or any email. I attempted to call and close the account on the XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. I was finally able to reach a call center on the XXXX of XXXX to close the account and transfer my money to my bank. The operator stated that the transfer would take 2-3 business days. I called back on XXXX XXXX due to the fact that the account was not closed. The operator told me that it could take another day. I called on the XXXX of XXXX. The operator told me that it could take an additional day but would now have to wait until Monday, XXXX XXXX. I called on XXXX XXXX, and the operator said that there was an issue with the account, but it would take 3 more days. Received 0 emails, 0 calls from managers, and 0 assistance. Was promised to be paid for additional days of interest. Money finally was deposited on XXXX XXXX, with no follow up communication, and did not include interest. This company is fraudulent and shady at best.
Product: Debt collection

I received a debt collection offer of settlement via email from your company. You are selling me a settlement offer I reject per section XXXX of the Texas Business and Commerce Code. Upon further research I found that this your company is violation of proper notice in pursuant to TFC, FDCPA and FCRA. I have since requested from them to verify and validate this alleged account but I received no response from your company. I also request proof of contract between your Harris & Harris company and the alleged creditor in your records that gives you authorization and my consent to have my information and use it for deceptive and unfair abuse to unjustly enrich yourself. To the extent the account was assigned I requested/request full disclosure of assignments, transfers, or bills of sale. I also seek account agreement, consumer agreement, card member agreement or promissory note along with account statements or payment history to support your company claims. 

It appears that your company not only provided false and misleading representation, but also causing undue hardship by reporting to consumer reporting agencies using an unfair advantage by not allowing me to dispute the validity of this alleged debt prior to harming my credit which causes limited opportunity for credit. Your company are intending to damage my character and reputation. This is a direct attack and a violation of my privacy to extort money from me. 

Per section 392.102 of the TFC ( Texas Finance Code ) I may make claim against your company bond number XXXX of XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

I ask that unless your company can provide me legal authority and recorded evidence of above requests to back their claim, that you cease and desist all communications. Please also remove listed account from my consumer report. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unverifiable information reporting to my credit file on XX/XX/2021. I have never received a response from either XXXX WHICH is a direct violation of my rights
Product: Vehicle loan or lease

I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on   XXXX   XXXX   XXXX  . MBFS managed the process by which I took over ( assumed ) an existing lease.
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MBFS transfer requirements included advance payment of one month lease plus a transfer fee.
Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the   XXXX   of each month beginning with the   XXXX   payment, and seeing a subsequent {$0.00} balance.
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Sometime following my payment on  XX/XX/XXXX  ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @  XX/XX/XXXX  " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days.
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6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of  XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up.
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The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail.
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This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight.
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I 'm requesting assistance in having this matter resolved.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account open end consumer credit plan as late for any purpose.
Product: Prepaid card

Employer purchased a prepaid Vanilla Visa gift card for {$250.00} at XXXX in XXXX on XX/XX/XXXX, on XX/XX/XXXX the card was used fraudulently by someone else in XXXX at XXXX. I have tried to contact XXXX and XXXX. XXXX won't help me. XXXX tried to start an investigation on XX/XX/XXXX but when I call, the call is disconnected, the quality of the call is poor and you can't hear the representative on the other line. After reading reviews, there are thousands of people that have been defrauded by XXXX. Their customer service is non-existent and I would like a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  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 also states a consumer reporting agency can not furnish a account without my written instructions View full complaint
Product: Debt collection

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDIT COLL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX )
Product: Checking or savings account

On XX/XX/2024, we were charged the amount of {$1600.00} to our checking account via our debit card. Neither my wife nor I initially recognized this charge, and so we each made reports to Chase Bank about it on XX/XX/XXXX and XXXX, not having consulted each other. As a result, Chase opened 2 separate claims for the same charge ( something they later explained to me on a customer service call that they should not have been able to do ). On XX/XX/2024, the charge was processed and we were charged {$1600.00}. On XX/XX/XXXX, the claim reversal went through and we were credited back that amount. Approximately a week later, however, the charge was found to be authorized, and so one of the claims was closed and the charge went through, and on XX/XX/XXXX we were again charged {$1600.00}. 

At this point we still had one claim open, and so I called Chase Bank on or around XX/XX/XXXX to attempt to close this second claim. We were told that the claim that was still open was the one that had credited us the money, and the claim that had closed was the one that had charged us, and as a result closing the other claim would result in us being charged a second time, but that they would credit this money back to us within 5 business days so that we do not pay twice. The second charge went through on XX/XX/XXXX, and we were again charged {$1600.00}. 

Three weeks later we still have received no credit and have been charged twice. Upon calling Chase this morning I was kept on hold for over an hour before being told that the charge would be reversed again in 5 business days. I asked for verification of that in writing in case the funds once again did not materialize, and the representative disconnected the call without any confirmation. I called back shortly thereafter, and was kept on hold for an additional hour while they went through the same process as the previous representative, but again could not provide me with any information about whether the money would be returned to us.

Attached in the documents are the four notices we received regarding our claims, as well as confirmation of the order for the purchase in question.
Product: Mortgage

My mortgage company Mr. Cooper and the FHA refused to do a loan modification or partial claim due to the fact that my ex-husbands name is on the loan. I haven't seen him since XXXX, no clue where he is. I understand they have rules but I have got to believe that rules are meant to be broken or modified due to certain circumstances. I had proof that I had made all payments since XXXX. In XXXX I was out of work for 8 weeks because I'm a XXXX and business was slow when we returned. I was expected to pay the mortgage company {$8200.00} in a lump sum and pay the remainder over 3 months with my regular payments. I've lived in the house since XXXX, so I have no desire to move but the mortgage is trying to bankrupt me because of something that is out of my control. I was in a forbearance since XXXX of XXXX. If I would've known the fine print of all the rules, I wouldn't have done a forbearance at all. The forbearance did not help me at all. I also expressed my complaints to the FHA but all they said was that the mortgage company was following the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

XXXX XXXX continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

XXXX XXXX provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit fraud on the following accounts : XXXX XXXX {$550.00} acct # XXXX XXXX XXXX {$550.00} acct # XXXX XXXX XXXXXXXX {$410.00} acct # XXXX XXXX XXXX {$420.00} acct # XXXX XXXX XXXX XXXX {$1800.00} acct # XXXX XXXX XXXX XXXX  {$300.00} acct # XXXX The following laws have been violated : 15 U.S. Code 1692e 15 U.S. Code 1692f My identity theft ( idtheft.gov ) reference # is XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received a letter from the bank that said I have an account that was put on hold due to unusual activity. The bank provided a XXXX number to call to verify my information. I only provided my name and I denied my SSN because I suspected fraud. 

I would not open and never opened an account with another bank that's out of state. I have my local bank that I deal with. 

I was told by the customer service representative that my SSN and personal information was used to open this account. ( On the letter that I received, there's the last 4 digits of the account number ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breech, I submitted a credit freeze request for my XXXX children 's accounts with all of the required information to the 3 major credit bureaus. This request was mailed on XX/XX/XXXX. Both XXXX and XXXX confirmed receipt of the information and subsequently placed a freeze on my XXXX children 's accounts. Not surprisingly, Equifax claims that they have n't received any information. Hence, not only did Equifax compromise my personal data, they have lost and comprised my XXXX minor children 's birth certificates, social security numbers and my driver 's license information. This company is literally giving away American 's  personal information. I feel violated and betrayed.
Product: Credit reporting or other personal consumer reports

This is my notice of liability and intent to sue. 
Since XXXX and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on XXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.
Product: Credit card or prepaid card

On XX/XX/XXXX th I was charged for a purchase that I did not make. On XX/XX/XXXX I noticed the charge and filed a dispute with my banking card. They told me they would get back to me within 48 hrs. They got back to me and stated that their was an error and the retailer credited my account and the credit was received on XXXX XXXX there was no credit received on the XXXX XXXX XXXX XXXXXXXX when I didn't file a dispute until XX/XX/2023. I tried several times to resolve this with no results
Product: Money transfers

This is a follow up to complain case # XXXX. 

PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however, receive a text from PayPal stating that the money was not claimed fast enough and they returned it to the sender. 

I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails, it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them.
Product: Mortgage

In XX/XX/XXXX My husband and I separated. I kept the house with the XXXX kids and was working part time ( could n't afford house payments at that time ) but got a full time position with the same company fairly quickly. I asked for a loan modification back in XX/XX/XXXX. After a year, could not come to an agreement. XXXX then sold the loan to Statebridge. In XXXX XXXX, I went to a housing counselor to help with a loan modification. Statebridge kept losing my paperwork over and over again. Every 6 months I had been submitting paperwork, only for it to be lost. Fast forward to XXXX XXXX, XXXX. We had finally come to an agreement of a loan modification via phone conference in the Court of Common Pleas Of XXXX County Pa between Myself, XXXX ( My counselor ), mediator, investor and a member of XXXX XXXX XXXX XXXX XXXX ( for investor ) and I accepted those terms on XXXX XXXX XXXX with an acceptance letter that was faxed to Statebridge, XXXX and XXXX & XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX we had modification meetings and was told at each meeting that the loan modification was still being drawn up, no issues presented at any of these meetings, I was told congratulations. On XXXX XXXX XXXX, I received the loan modification in the mail and the monthly payments was a different amount of what we agreed on. The agreed amount was {$1400.00} per month, it jumped to {$1600.00}. I had emailed Statebridge and asked them why it had gone up and that I could n't afford those payments. The response from Statebridge " Unfortunately the terms sent was what the investor on your loan approved. '' They wanted the payment made on XXXX XXXX XXXX, but I had to talk to my housing counselor about why the loan payment was different than what was agreed on and according to their lawyer on our XXXX XXXX meeting, they did n't want to accept any offers that I extended. They were done and told that there is nothing that I can do.
Product: Payday loan, title loan, personal loan, or advance loan

I originally took this loan, because of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have struggled to pay it every other week since XXXX of last year. The loan was originally for {$2000.00} which was deposited in my account right away and did help me with my emergency. However, I soon learned that the loan would be a burden for far longer. I think it is rather cruel to target people who have a low income only to drain them of nearly 20 times the actual amount of the loan that was given. 

Since I took this loan in XX/XX/year> I have paid opploans nearly {$4000.00} and my remaining balance is still {$1200.00}. 

I am at a point of not being able to continue to pay it due to XXXX XXXX XXXX XXXX XXXX XXXX  I am currently homeless and staying with family but continue to have opploans take out {$170.00} every other week from my bank account.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX CARD XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$3100.00} XXXX BANK XXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance XXXX {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00}
Product: Checking or savings account

Hello, My name is XXXX XXXX and I'm the XXXX XXXX XXXX XXXX XXXX. My father passed a couple months ago and I've been XXXX XXXX XXXX. We recently got scammed through XXXX and the company can't do anything about it. I will be filing a police report, but would like financial assistance.