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

I hope this message finds you well. I am writing to bring to your attention a critical matter involving the erroneous reporting and collection attempts by XXXX XXXX XXXX XXXX, a junk debt buyer, regarding an alleged debt previously held by XXXX. 

This issue has significant implications for my credit history, as well as potential violations of the Fair Credit Reporting Act ( FCRA ). Despite the debt being officially removed from my credit report, XXXX XXXX XXXX XXXX persistently attempts to collect the claimed balance of {$690.00} without providing any valid documentation to support their position. 

I have taken the necessary steps to confirm the removal of this debt with XXXX, XXXX, and Experian, following the FCRA guidelines. Notably, the initial debt buyer, " XXXX  XXXX XXXX '', reported and subsequently removed the debt after proper verification, emphasizing the accuracy of the removal and casting doubt on the legitimacy of XXXX XXXX XXXX XXXX 's claim. 

I kindly request the Consumer Financial Protection Bureau ( XXXX ) to initiate a thorough investigation into this matter to ensure that XXXX XXXX XXXX XXXX complies with all relevant regulations. Their persistent attempts to collect on a debt that has been officially removed from my credit history not only violate the FCRA but also pose a significant threat to my financial well-being. 

In addition to the investigation, I urge the CPFB to issue a stern cease-and-desist order to XXXX XXXXXXXX XXXX XXXX , instructing them to halt all collection attempts, reporting activities, and any further actions related to the Sprint debt until a comprehensive resolution is reached. 

I appreciate your immediate attention to this serious matter and trust that the XXXX will take decisive action to rectify this situation. Please do not hesitate to reach out if any additional information is required.
Product: Mortgage

I was in forbearance during COVID and the lender ( Rushmore ) was not cooperative as I tried to resume monthly payments. CFPB helped me get Rushmore to offer loan modification documents so that I could make regular monthly payments rather than pay the money due from forbearance all at once. 


I signed the modification documents digitally and had them notarized and returned them in XXXX ( see attached ). I sent the first payment ( XX/XX/XXXX ), which Rushmore accepted. In XXXX then received paperwork indicating that I had not returned the loan modification documents, so I emailed. I did not initially hear back but eventually they stated ( see attached email ) : " We have completed our review and it appears that we received the XXXX XXXX documents, however it appears that the documents do not have a wet-ink signature and HUD will not accept these documents. Unfortunately we were not able to complete the loan modification. Your loan is also scheduled to be serviced released by XX/XX/XXXX to XXXX XXXX, XXXX. '' However, the loan modification documents say : " XXXX. Governing Law ; Severability. This XXXX XXXX shall be governed by Federal law and the law of the jurisdiction in which the Property is located. '' The property is in Virginia. Virginia law allows for digital signatures, see : https : XXXX Accordingly, I do not believe Rushmore had any grounds on which to not process my loan modification docs. The plain language of the document does not say anything about signatures. It does specify that Virginia law applies and Virginia law allows digital signatures and e-notaries. 

I just want to resume my monthly payments and they are making this as difficult as possible. I have done everything they asked and they just don't seem to hold up their end of things. I believe I complied with the loan modification docs and that it's a binding agreement now that I have accepted the offer and that they can not unilaterally fail to process it. I am worried I will lose my house. Please help.
Product: Credit card

I have uploaded a complete file of this account these buisness do not exist I never recieved a card ending in XXXX that this whole entire account has multiple purchases with everything on this account is fraud including the name its under thats the wrong name
Product: Checking or savings account

On Tuesday, XXXX XXXX, XXXX I received a direct deposit of {$280.00} to my checking account. For 6 weeks prior to the XXXX, XXXX XXXX deposit the amount was sent to the active checking account without incident. For some reason the XXXX, XXXX deposit was made into a closed checking account whereby Chase bank then proceeded to first, return the deposit and second, close the account. 

I had no idea what had taken place and only discovered this action by Chase only AFTER I incurred overdraft fees on the open checking account. I contacted Chase about the matter and they stated the error stemmed from the sender of the direct deposit and that they returned the funds on XXXX, XXXX XXXX. This was not the case as the {$280.00} was sent back on XXXX, XXXX and the sender had no record of the money being delivered back to them. 

Chase waived the overdraft fees incurred during that period. I checked back with the sender and up to XXXX XXXX they had n't received the money. Despite this fact Chase ONCE AGAIN issued overdraft fees on my checking account totaling {$64.00} on XXXX XXXX, XXXX. 

I think it is OUTRAGEOUS that Chase is charging me overdraft fees on an account where their actions are the direct cause for there being insufficient funds. When I contacted Chase about removing the {$64.00} in overdraft fees they refused.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - Balance : {$17.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$17.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$560.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX XXXX  - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I lost my identity a while ago. As I was learning about credit and pulled my report I noticed this account that is incorrect and I did not open. Can this be corrected and removed please and thank you.
Product: Credit reporting

I contacted the company to have status of closed account updated but got no response from the company.
Product: Student loan

I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a direct deposit to my Chase checking account of {$1200.00} dollars from my previous employer sometime in the morning. When I woke up, I seen my direct deposit in my account and went to pay my friend what I owed her through XXXX which was {$1000.00} dollars. When I went to send the money, I ended up sending it to the wrong person, so I called the number it was sent too, she answered the call was agreeable to sending me my money back to my Chase account through XXXX from her XXXX XXXX account ( that she stated she hadn't used in month 's and should've been closed out ). When she went to send me my money back from her XXXX XXXX bank account it was closed but was still able to receive the payment, so she couldn't send it back. In the end, we both called our banks for the whole month of XXXX, opened up claims with our banks and they denied giving the money back to me or even her. My bank said I had to speak with XXXX customer service ( which doesn't work ) and her bank said it was fraud ( which in fact it wasn't because it was a legal direct deposit from my job to my bank and a mistake to be sent to hers ). An since her bank claimed it as fraud, i believe they deleted her account for good and the money is gone. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date : XX/XX/2014 Amount : {$110000.00} 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I noticed that my credit report had an obscene amount of inquiries on it. 54 inquiries to be exact. I did not initiate any of these inquiries and per 15 U.S. Code 1681b Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Attached are the screen shots of the inquiries on my credit report.
Product: Checking or savings account

Unable to transfer funds through ACH, transfer from my account to a different account of mine. 
Originally contacted XXXX XXXX about the issue on XX/XX/XXXX. Received a ticket # and told " engineering team will look into it ''. 

Received a response on XX/XX/XXXX stating " its a known error and hoping for a resolution in the next few months and was advised to write checks .... '' I believe this is an inadequate timeline, " hoping '' " for next few months '', The ability to ACH transfer to an external account is a feature that every bank in XXXX has. The fact that this doesn't work and isn't properly being addressed is kind of ridiculous. 

Attaching proof of contact.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurately Reported Charged-Off Debt from XXXX XXXX XXXX XXXX 

To Whom It XXXX Concern : I am writing to formally request the deletion of an inaccurately reported charged-off debt from XXXX XXXX XXXX that appears on my consumer report. XXXX XXXX XXXX has refused to issue a 1099-C form for this charged-off debt, stating that the debt remains my responsibility despite being reported as charged off on my consumer report. Their response to my request for accurate reporting under federal law remains unsatisfactory. 

Please note that I have previously filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this issueXXXX XXXX XXXX written response to the CFPB, which I have attached, confirms that they " can not accommodate my request for a completed 1099-C form '' and assert that the debt remains my responsibility. This failure to issue a 1099-C contradicts XXXX XXXXs reporting obligations under IRS Code 6050P, which mandates that canceled or forgiven debts be reflected in consumer reports with a corresponding 1099-C form issued to the debtor.

Furthermore, under the Fair Credit Reporting Act* ( FCRA ), 15 U.S.C . 1681s-2 ( a ), creditors have an obligation to report information accurately to consumer reporting agencies. By declining to provide a 1099-C for the charged-off debt while asserting that I still hold responsibility for it, XXXX XXXX is presenting an inaccurate and misleading report of my credit history. I request that this charged-off account be removed from my consumer report to maintain the accuracy and integrity of my financial record. 

Please find the attached CFPB response from XXXX XXXX XXXX for your reference in supporting this deletion request. I appreciate your prompt attention to this matter and am available to provide any additional documentation if necessary. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX XXXX XXXX XXXXXXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms XXXX. Purchase contract of this account The specific account ( XXXX ) in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, XXXX has never responded, Trasunion is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.
Product: Checking or savings account

On XXXX XXXX I had {$1400.00} stolen from my US Bank personal checking account through my Email address that was linked with XXXX. After calling a Telephone number that I had XXXX  for XXXX  I spoke with an individual Who claimed that he was an account manager for XXXX and stated that he needed to verify me through my US bank account that was linked to my XXXX account. I had been on the phone for over two hours with this individual because I had a question about the XXXX app.He had attempted to verify me through various means. On XXXX XXXX I reported the theft to XXXX and received a fraud complaint number and was instructed to call my US bank in XXXX XXXX California to report the fraud. I also filed a police report with the XXXX Police Department, The FTC, all three credit bureaus and had to change my username and password on all my accounts. I called US Bank and reported the theft and XXXX fraud complaint number to the XXXX XXXX branch manager XXXX XXXX XXXX. XXXX XXXX XXXX proceeded to harass me and claim that I did not have a fraud claim and that it was a scam.She literally took my words out of context and used them against me. My claim was denied because she had filed it as a dispute. The fraud department claimed that It was an authorized-transaction and subsequently denied my claim. .After several hours and days on the phone Between XX/XX/XXXX and today XXXX XXXX with the fraud department My fraud claim was finally filed. The fraud department instructed me to take the police report and all my supporting documents to US bank branch in XXXX XXXX.The documents were hand-delivered from my wife to XXXX XXXX XXXX the XXXX XXXX XXXX branch manager. XXXX XXXX XXXX failed to file the documents in a timely manner so the fraud department could make a valid decision. She filed the dispute claims three times and each time I was denied because they said it was a duplicate claim. I complained to the District manager XXXX XXXX about her performance as a branch manager. If this matter is not resolved with the {$1400.00} funds credited back to my personal checking account I shall have no choice but to file complaints with the FTC, The consumer financial protection bureau and the XXXX XXXX XXXX against the branch manager of XXXX XXXX US Bank. In my opinion XXXX XXXX XXXX is incompetent and unworthy of her position.
Product: Prepaid card

Received an American Express gift card from work. It will not work at any locations I have tried. Its frustrating. Customer service is non responsive. Looking online, many people are having this issue.
Product: Credit card

Ulta Rewards World MasterCard account was opened using my private information. 

I never applied for this card {$500.00} has already been charged to this fraudulent account!
Product: Mortgage

We originally had a first and second mortgage with XXXX XXXX in XXXX. When we were unable to pay the second mortgage in XXXX the bank agreed to modify the first loan ( # XXXX ) and charge off the second loan ( # XXXX ). These terms were worked out and agreed to by bank representative XXXX XXXX of XXXX XXXX, and it was our understanding that the first mortgage modification would cancel the second mortgage completely. However, a year later we began to receive notices from various companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX saying that we still owed money on the second mortgage. For years we asked for proof from each of these companies and none was ever presented. 

In XXXX we began to receive notices from Specialized Loan Servicing. We again asked for proof that we still owed this money, and this servicer took XXXX years to actually provide it. Then late last year they sent us a letter saying that they intend to foreclose. 

We did some research and it seems that both of our loans are owned by XXXX XXXX. Our first mortgagewhich is in good standingis part of XXXX XXXX XXXX  XXXX XXXX, Mortgage Loan Asset-Backed Certificates, Series XXXX, XXXX XXXX XXXX XXXX XXXX as Trustee , ( serviced by Select Portfolio Servicing ) and the second ( defunct ) mortgage is part of XXXX XXXX XXXX XXXX  XXXX XXXX Mortgage Loan Asset-Backed Certificates, Series XXXX, XXXX XXXX XXXX XXXX, as Trustee ( serviced by Specialized Loan Servicing ). 

We have tried every option that SLS has offered us and they are all unaffordable. We have offered them a Short Negotiated Payoff Offer of {$14000.00} ( our complete savings at this point ) but they rejected it, saying that they want us to pay close to the original principal of {$98000.00}. 

Our address is XXXX XXXX XXXX, XXXX, CT XXXX and our mortgage is in the name of XXXX & XXXX XXXX.
Product: Vehicle loan or lease

Credit Acceptance is repeatedly failing to report accurate information to delete a late payment off my account. In addition, Credit Acceptance is spitefully trying to not update my report and balance has they have stated they would on the XXXX of every month. I believe this company has poor customer service and lack of compassion for its customers.They erroneously reported my payment as late in XX/XX/2020 during a pandemic which is very insensitive and inaccurate reporting on their behalf. They compliance offers fail to thoroughly investigate this matter and I have furnished bank statement which do not reflect late payments in the month they have reported on my credit. I have paid on time and more than the required payment on loan. I will continue to place complaints until this matter is resolved. I would never recommend anyone to use Credit Acceptance for their auto loan provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED FILES. THIS IS NOT A DUPLICATE COMPLAINT. I AM REPRESENTING MYSELF. I AM NOT A THIRD PARTY. I HAVE ATTACHED MY SSN AND DRIVER 'S LICENSE FOR PROOF OF IDENTITY ALONG WITH MY IDENTITY THEFT REPORT. XXXX XXXX HAS BROKEN NUMEROUS CONSUMER LAWS AND EXPERIAN HAS 4 BUSINESS DAYS TO BLOCK THIS ACCOUNT FROM BEING REPORTED TO MY CONSUMER REPORT ACCORDING TO 15 U.S CODE 1681 C-2. I HAVE FOLLOWED ALL OF THE REQUIRED STEPS ACCORDING TO 15 U.S CODE 1681 C-2 SO THEREFORE EXPERIAN NEEDS TO DO WHAT THEY'RE LAWFULLY SUPPOSED TO DO BY REMOVING THE ACCOUNT COLLECTION ACCOUNT WITH XXXX XXXX INDEFINIETELY.
Product: Credit reporting or other personal consumer reports

I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 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 Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ).

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : XXXX. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation. 
XXXX. Notify the furnisher of the information that the data has been modified or deleted from the consumers file. 

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.