23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$2200.00} - Account # : XXXX XXXX XXXXXXXX - XXXX : {$190.00} - Account # : XXXX XXXX XXXXXXXX - XXXX : {$530.00} - Account # : XXXXXXXX XXXX XXXX - XXXX : {$830.00} - Account # : XXXX XXXX XXXXXXXX - XXXX : {$1400.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card or prepaid card

Because of covid-19 my 50th wedding anniversary cruise was cancelled resulting in a credit of {$7600.00} on my credit card. For almost a month I have been attempting to get that credit transferred to my bank account with any success. I have called the customer service department at least four times.  Each time I am told that the money will transfer in 6 to 10 days and yet no action is taken to accomplish this. 

I pay off my credit card bill each month and I have never been late. There is absolutely no reason why CITI has not refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

Hello.this is the second time XXXX, has allowed the same person, at the same address to open an account, in my name .first time debit was trying to be collect by ... .XXXX XXXX XXXX ... I filed a police report ... stating it was fraud ... .and now same address and apt ... they did it again ... and now MRSBPO.Has acquired it ... different dollar amount..XXXX XXXX XXXX wanted XXXX.and mrsbpo wants XXXX none of which I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX resent request to have entries for XXXX Card and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of account.
Product: Mortgage

1. Bank of America Home Loans pays my home owner 's insurance weeks late, triggering a warning of cancelation letter from my insurance company ( likely damaging my credit score ), so they can accumulate interest on the escrow account. 
2. I am trying to pay my home loan off early by making extra payments, after my required monthly payment is made, in order to pay down the principal, but BoA consistently applies part of the extra payment to future interest obligations against my wishes -- months in advance, so they can extend the life of the loan and reap more profit. They have never responded adequately to my protests re this and seem to act like they do n't understand what the issue is.
Product: Consumer Loan

I have an account with XXXX XXXX and was told I was preapproved for {$11000.00} for a loan with Avant XXXX. It said it would do a " soft '' hit on Credit just to see if I was approved and OF COURSE, I was approved. So I go on to the next part which basically is getting all your banking info, because you have already been approved ( lie ), including my acct number and also access to my account. Sent in all documentation needed and 2 hours later I am told it took an " adverse '' action- basically rejecting it. I feel extremely violated and scared now that my account will become compromised by Avant or anyone else they sell my info to. It is n't about being rejected. I am a XXXX year old woman. I am concerned greatly because of all the information that was shared and how " preapproval '' is just another word for " bait and switch ''.
Product: Mortgage

Over 9 years ago my wife and I needed to rebuild our home. We turned to Wells Fargo for an immediate construction loan and then requested conversion of that loan into a conventional 15-year conventional mortgage. Instead, we received a proposal for a 30-year mortgage, which we rejected. At this time our daughter was diagnosed with XXXX XXXX. Wells Fargo, well aware of this situation and of our need to complete the rebuilding project as soon as possible, provided a revised mortgage proposal. To help with her extensive medical care and to provide for her XXXX children we moved all of them into our home as soon as the rebuilding was complete. Our daughter XXXX XXXX in XXXX. We are still raising our grandchildren. What Wells Fargo provided us was nothing like a {$650000.00} conventional mortgage. After paying on this 8.375 percent interest loan for almost 10 years, the face amount has only been reduced to {$630000.00}, and that is only because we made some more than required payments. This loan made the nearly {$5000.00} monthly payments go to interest payments only for the first 10 years. In XXXX of this year the interest rate will change, and the maturity date will be XX/XX/XXXX. In other words, Wells Fargo ignored our stated request for a 15-year mortgage twice, sending instead a second agreement that was altogether worse than the first and again for a 30-year period, but with even worse interest costs than the original offer. While we were focused on our daughter 's XXXX and XXXX illness, we trusted Wells Fargo to present in its second proposal the terms which had been conveyed in the original application process and consistently repeated in all of our subsequent discussions and correspondence. XXXX XXXX, the loan agent for this Wells Fargo mortgage, we understand no longer works for the company. Inexcusably, this is another example of this infamous major financial institution intentionally taking advantage of consumers who are in a vulnerable state. My wife and I are now in our seventies. To say the burden of this usurious mortgage obligation has proved to be a financial disaster for us is a gross understatement.
Product: Debt collection

XX/XX/2017 they gave a credit back for XXXX because it was reported as fraud and now they are telling me they want to take that money back!!
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. 
Creditors included XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.
Product: Student loan

In XXXX I became a Co-signer for my daughter on a XXXX XXXX Student Loan. At that time I believed this Loan was a Federal Loan and that XXXX XXXX was the supervising agent for the government. In XXXX my daughter obtained a second XXXX XXXX Loan using my brother as a cosigner. These XXXX loans totaled {$38000.00} at 10.553 APR. Currently the unpaid balances on these loans total XXXX my daughter was in school I was able to stay current with loan payments but in XXXX my daughter graduated and the total payments per month on the XXXX loan payments escalated astronomically from {$75.00} per month to over {$500.00} per month.Over the past two years, Navient has taken over supervision of these loans. In spite my best efforts to stay current on payments, the loans have gone into arrears. I have tried to stay current on these loans but the increase in loan payments have been too much for me to handle. I am a retired teacher with limited financial resources. I have tried to work out some reasonable terms for repayment of these loans but Navient has only offered limited reduction in the repayment rates. Meanwhile they continue to assess penalties for non payment that are driving the cost of repayment beyond realistic possibilities of my repaying the loans in my lifetime.Now we are being harassed by Navient, bombarded with multiple automated calls, often from what appear to be from outsourced agents in foreign countries who speak little or no XXXX. At this time I feel that my rights as a consumer are being violated and want your agency to investigate the collection practices employed by Navient especially as to the rates charged by them and the harassing tactics they employ. My daughter works XXXX jobs or less than XXXX dollars per hour and is unable to pay off these loans without my help.My wife has suffered with XXXX XXXX or over 12 years and is limited in her ability to work. We are not looking or a hand out. We just want to be treated airly with consideration for our rights as consumers.
Product: Debt collection

Hi Team,I was staying in XXXX XXXX apt in XXXX ,MI from XX/XX/XXXX till XX/XX/XXXX. Due to a family emergency i left XXXX on the month of XX/XX/XXXX. i left some stuff in my apt, where XXXX XXXX hired profession to throw them away (As per my request) and charged me a final bill of $XXXX.I came back to USA in XX/XX/XXXX, XXXX XXXX XXXX XXXX called me and requested me to pay this amount in full. when i checked my credit score it came down since it has been reported to credit bureau.I contacted XXXX XXXX, they gave me a final bill and requested me to pay it direct to XXXX XXXX XXXX XXXX. i paid the amount in full, XXXX XXXX (XXXX XXXX) removed this impact and my score were normal in the month of XX/XX/XXXX.Now a new company called National credit system collection agency from XXXX,GA is requesting me to pay the same amount in full. when i sent them all necessary information, and told them that i had paid this amount in full through XXXX XXXX XXXX XXXX. But they again bought my score down in the month XX/XX/XXXX and requested me to repay the amount only then they will remove this from credit bureau.I humbly request team to investigate and kindly provide me a solution for this. I tried to contact club meridian apt but no response and this is going on for the past 3 months.
Product: Debt collection

This debt is not mine. This was a result of identity theft back in 2019. I was harassed by this collection company multiple times through email so I hired an attorney to help me. 

My attorney wrote to them : Dear Sir or Madam : This law firm is legal counsel to XXXX XXXX XXXX XXXX, your account number XXXX. All further communications regarding this matter should be directed to this Firm. This is a disputed / fraudulent debt and has already been reported as such to the numerous reporting agencies which have resolved this matter in our favor many months ago. This bad paper keeps getting passed around. 

If you have any paperwork to the contrary showing the debt is still valid and not fraud, please forward same to my attention. Otherwise, I assume you will be letting your client know that no further action shall be taken on this matter. 

Kindly be advised of your obligations under the Fair Debt Collections Practices Act. Be guided accordingly. 

All of XXXX XXXX 's expressed or implied rights and remedies at law and equity are hereby reserved. 

XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX As soon as this email was sent, the harassment stopped but now about 4 months later they have posted this collection in the amount of {$14000.00}. This is collection that stemmed from a loan that was claimed identity theft back in 2019 is now on my credit and affecting my life. 

This collection needs to be removed ASAP because it is not mine.
Product: Debt collection

I believe this debt is fraudulent as this collection agency Contract Callers Inc has NOT and CAN NOT provide any documents to support their claim that I owe them a debt. On XX/XX/2024 I submitted a complaint to the cfpb about this issue and I had asked them to send me proof or evidence that they have sent me or given me an opportunity to dispute the debt before it being reported on my consumer reports. However they have admitted that they did not send it via certified mail so I did not receive it. Additionally they stated that they can verify it through the post office BUT this is just hearsay as they have also sent it to an address that is NOT mine. Lastly, they claim that they gain this debt from another creditor, pursuant to Uniform Commercial Code Article 3-203 that would be considered a transferred instrument and unless I endorse that instrument I am NOT liable. This means that they will need proof that I endorsed this instrument with their agency after it was transferred, so I am also requesting proof of that. I demand that this company send me all validating and verifying information that I requested in the attached letter that I have sent previously ( they did not provide this information thus proving their clear FDCPA violation ). If this matter continues, I will seek legal action as this agency is practicing unfair, deceptive, false and misleading debt collection practices which directly opposes the procedures of the Fair Debt Collection Practices Act.
Product: Checking or savings account

I am a Chase customer and have been for over 2 years. I deposited a check from a family member I have time and time again deposited checks from. This check happened to be one on XX/XX/XXXX for {$970.00} dollars to help pay their rent because they are now in XXXX care. Chase decided to not only restrict my account but tell me they can't touch it til XX/XX/XXXX. The money has come out of their account from their bank and we are getting {$85.00} dollar a day late charges for their rent being late. Chase has spoken to the creator personally and claim they have not. Now they are out {$970.00}, we can't right another check or withdraw from the bank and will tack on another almost {$500.00} in late charges and there is nothing Chase will do. I have never had a check bounce or be a problem, and done healthy banking the entire time. I even had their employees deny a request to talk to a supervisor and tell me my time at Chase doesn't matter. It has been a completely unprofessional situation and is now costing me a lot of money. There was no reason for my account to be restricted or this check to be flagged and now I'm responsible for paying for it. They pretty much are telling me that a machine has more authority over my money and a human can not override such occurances. This makes me very upset to know my money that keeps them open is trusted by a program to keep, y money safe and there is no way to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a open & active credit card account with Barclays. My credit limit is {$25000.00}. It is not showing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Near XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear Experian, I am writing to formally dispute inaccurate information on my credit report concerning the XXXX XXXXXXXX account. The reported data contains several errors, which violate my rights under the Fair Credit Reporting Act ( FCRA ), codified in Title 15 of the U.S. Code 1681. I request an immediate investigation and correction of this information. 
Account Information in Dispute : Account Name : XXXX  XXXX Account Number : XXXX Status : Paid, Closed Inaccuracies Identified : Payment History Errors : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. The payment history for XX/XX/XXXX reflects " XXXX  Days Past Due, '' while the account is listed as " XXXX, XXXX. '' This contradiction violates accuracy requirements. 
Similarly, the delinquency statuses for XX/XX/XXXX ( " 60 Days Past Due '' ) and XX/XX/XXXX ( " 90 Days Past Due '' ) do not appear to align with the account closure in XX/XX/XXXX and the paid status. 
Comment Inconsistencies : The comments state : " Account closed at credit grantor 's request '' and " Account previously in dispute - investigation complete, reported by data furnisher. '' These remarks require clarification and verification under 15 U.S.C. 1681i, which mandates reinvestigation when disputed information is contested. 

XXXX XXXX : The " Last Payment Date '' is listed as XX/XX/XXXX, yet the payment history does not accurately reflect compliance leading up to the closure of the account. This raises doubts about the accuracy and consistency of the reporting. 
Under the FCRA, you are obligated to : XXXX a reinvestigation of disputed information within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ).

Notify the data furnisher of my dispute and request verification of the information under 15 U.S.C. 1681i ( a ) ( 2 ). 
Correct or delete any information that can not be verified as accurate under 15 U.S.C. 1681i ( a ) ( 5 ).

I have enclosed copies of my identification and any supporting documentation to assist with this process. Please notify me in writing of the results of your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 
Failure to comply with these requirements XXXX result in legal action to protect my rights, including claims for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance. 
I expect confirmation of receipt of this dispute and a resolution within the required timeframe. Should you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Recourse Date : XX/XX/XXXX ___________________________