23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance
Product: Debt collection

I am writing in response to your communication regarding a debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a detailed breakdown of any interest, fees, or charges.

3. A copy of the signed agreement or contract that establishes my liability for this debt.

4. Proof that you are authorized to collect this debt in my state.

5. Any other documentation that verifies the validity of this debt.

6. The chain of title on this debt Until you provide this information, I dispute the validity of this debt and request that you cease all collection efforts. Additionally, I request that you do not report this debt to any credit reporting agencies until the debt has been properly validated.

Please note that if you are unable to provide validation of this debt, I expect you to close, delete, and mark this account as resolved.
Product: Mortgage

Submitted additional payment requested to paid toward principle. End of the year checks returned for overage even after talking to mortgage department still they refused to apply extra payments toward principle.
Product: Checking or savings account

I opened up bank account with US Bank in approximately XX/XX/2020. The opening deposit was approximately $ XXXX. Over a few weeks, several thousands of my own cash was deposited. 

The account was closed due to high risk and questionable activity. In approx XX/XX/2020, I was scammed by several people, in which they requested goods and XXXX 'd me money. The goods were provided and they disputed the transaction with the excuse that my business was either fraudulent or that their XXXX account was hacked. 

To be clear, the " goods '' received were not illegal. No goods are shipped or released without proof of a completed status shown in the XXXX screenshot. We match the confirmation number in the screenshot with the confirmation number or our end. I have copies of every transaction along with screenshots proving they requested the goods and what specifically the " goods '' were. However, US Bank never requested copies of these documents. No fair investigation was preformed. They just froze the account for several months, refunded disputed XXXX to customers, and eventually closed the account. At the time of closing, after all refunded XXXX I had over {$34000.00}. No funds have been released and it's going on 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months I have been working with a realtor to become a first time home buyer. As the realtor been running a soft credit check there was problems with all 3 credit bureaus. I was able to fix the problem with XXXX and XXXX. I have called XXXX several times stating that I have an open credit card account with XXXX XXXX since XXXX of 2022. XXXX has tagged my credit report with unable to receive a score and I am unsure why? I have also faxed a letter to XXXX XXXX to make sure that my account is being reported to all 3 credit companies. I have spoken with a customer representative four or five times and it is exhausting not knowing what I should do next.
Product: Credit reporting or other personal consumer reports

Kindly delete this account from my report because I have no idea or knowledge about it. I have also reach out to the below companies to inform them that I didnt request for any auto and credit card. 

Please delete the below hard inquiries from my report because its as a result of identity theft on my account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I will greatly appreciate if my request is granted asap.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my complaint regarding TransUnions failure to resolve my dispute concerning the XXXX XXXX XXXX [ Account Number : XXXX ] account, which is inaccurately reported on my credit file. Despite initiating my dispute on XX/XX/year>, TransUnion continues to report the account as " verified and accurate '' without providing any supporting documentation or addressing my concerns as required by federal law. 

TransUnions actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and CFPB guidance. 

Violations Committed by TransUnion 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 15 U.S.C. 1681i ) : TransUnion has failed to conduct a proper reinvestigation into my dispute. Instead, they rely on automated systems, such as e-Oscar, to close disputes without validating the accuracy of the information or providing supporting documentation. 
2. Failure to Provide Supporting Documentation ( FCRA Section 609 15 U.S.C. 1681g ) : Under the FCRA, I am entitled to access the information used to verify the account, including : The original signed agreement. 
Payment history and balance calculations. 
Confirmation from XXXX XXXX XXXX verifying the accounts accuracy. 
TransUnion has not provided any of this documentation, despite multiple requests. 
3. Reporting Inaccurate and Misleading Information ( FCRA Section 623 15 U.S.C. 1681s-2 ) : TransUnion continues to report this account as charged off while listing a balance as owed. If the account has been charged off and written off as a bad debt, the balance should be {$0.00}, and a 1099-C form should have been issued. Failing to reflect this is inaccurate and misleading. 
4. Exceeding FCRA Deadlines ( FCRA Section 611 ) : The FCRA requires disputes to be resolved within 30 days ( or 45 days if additional information is provided ). My dispute has exceeded this timeframe, and I have not received an adequate response. 
5. Unfair and Deceptive Practices ( CFPA 12 U.S.C. 5531 ) : TransUnions failure to provide verification documents while continuing to report the account as accurate constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ) under the CFPA. 
6. Failure to Ensure Maximum Possible Accuracy ( 12 CFR 1022.43 ) : TransUnion has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Relying solely on automated verification methods fails to meet this standard. 
Harm Caused TransUnions inaccurate reporting and refusal to validate the account have negatively impacted my creditworthiness. The continued misrepresentation of this account has resulted in financial harm, including potential denials of credit and higher interest rates, for which I am seeking relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal.

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

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

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.
Product: Checking or savings account

Citibank had over 2 months to respond and have NOT. CITI STOLE OVER {$30000.00}. CITI NEVER RESPONDED. I WANT MY MONEY.
Product: Debt collection

Today XX/XX/2022 I received a notice from a company called Credit Management that I was in collections for a debt owed to a company called XXXX XXXX XXXX  based in XXXX, TX. I live in XXXX, TX and have absolutely no idea what this debt is about. I have never received notification prior regarding this debt or what, when or where services were rendered. I looked up the website for XXXX XXXXXXXX XXXX and numerous complaints exactly like mine.
Product: Debt collection

I need help, I loved at XXXX for many years decided I was not going to renew my lease provided a notice as stated in my lease and now I look at my credit file and see a {$2600.00} collection. This is NOT accurate and unfair. I have disputed this with no outcome. Please help. I was a GREAT tenant and left the unit in excellent condition. Where are these fees coming from? This debt is NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies od proof of verifcation if the Credit Bureaus claim that the disputed items belong to me. The Credit Bureaus have failed to send me copies of documents I have been asking from them. I have also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Crediet reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOUTHWEST CREDIT SYSTEM Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. SOUTHWEST CREDIT SYSTEMS VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the TRANS UNION & XXXX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX
Product: Credit reporting

On XXXX XXXX 2016, my credit score was XXXX and three days later it dropped XXXXpoints for no reason. I do n't any collections and was n't late on any payments
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like XXXX on my credit report on the XXXX, XXXX and Equifax Refuse to request to the credit bureaus show the account close on the credit agencies Even though the account was closed at my request on XX/XX/XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Last payment was made XX/XX/XXXX in the amount of {$50.00}, I had advised that the car had stopped working and was taken to a XXXX dealership in XXXX, FL close to where I was staying. I also advised that my car was my only means to income and without it working I would fall behind on payments. Prior to my last payment on XX/XX/XXXX I was consistent with my payments. Ive asked if they could add the balance due to the end of my loan so that I could have a chance to catch up and they only offered a repayment plan that would still add on the current balances to come. Ive advised that because I dont have a car to get back and forth to work I eventually lost my job as of XX/XX/XXXX. The car still is not working due to engine issues that were supposed to resolve through my warranty company XXXX XXXX XXXX XXXX. On XX/XX/XXXXXXXX  I informed XXXX dealership who still has the car that Credit Acceptance has reposed my vehicle due to non payment. XXXX refuses to release the car due to non payment from XXXX warranty company. The vehicle was sold to me by XXXX XXXX XXXX. My purchase date was XX/XX/XXXX. So not only did I buy a car that doesnt work, Im forced to still pay for it while Im not working. I have taken a huge lose on my credit and finances.
Product: Credit reporting or other personal consumer reports

I did not give Trans Union or XXXX consent to share my personal information with any company and place any hard inquiries on my credit report. This is a violation of my right to privacy act. I am asking that all consent forms from each company to be forwarded to me immediately or remove those hard inquiries from credit report.
Product: Credit card or prepaid card

In XX/XX/2019, I went into a XXXX by Victorias Secret, and went to purchase undergarments. My purchase cost {$35.00}. When I went to the register, the young woman told me if I signed up for a XXXX Credit Card, I would receive {$25.00} off my purchase and only have to pay the remaining {$10.00}. I asked if there were any fees or any tricks and she said no. So I signed up, my total came to {$10.00}. I handed the woman a {$10.00} bill, took my purchase and left. I didnt authorize any charges, or anything of the sort. I simply signed up for a card and paid in cash. A few weeks later, I still hadnt receive the card, so I called to cancel it. They told me I had a {$10.00} past due balance on my card and if it wasnt paid by XX/XX/XXXX, it would be reported to the credit bureaus. I went to the store, spoke to customer service and filed a dispute. I had already paid the {$10.00} in the store for the merchandise with cash. And even if I hadnt, they never got my permission to authorize the card for any amount. I never said anything, they never verbalized it or showed me anywhere. So not only did they charge me twice, but they never got my permission to do so. Its a scam. I called the credit company again today, and my balance is now {$22.00}. They are not allowed to charge peoples credit cards twice, and without authorization. They would not remedy the situation, so I paid the balance so it wouldnt affect my credit. I will never use this company again because they can not be trusted and getting people to sign up is just a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.f
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my information incorrectly causing a data breach and now there are discrepancies on my credit report : Names, addresses, collections and unauthorized inquiries.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never authorized these companies to furnish a copy of her credit report.
Product: Vehicle loan or lease

Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.
Product: Student loan

Have received Sallie Mae biilling notice, acct # XXXX, but not sure that all XXXX loans are in my name or son 's name. The bill is not clear, there is no date that the loan was taken out, for what person and what schoo. XXXX of the loans I am wondering if it was even mine ( ours ). The other concern is the high rates 10.375 %!!! I am a little surprised at the high rate -- they should be fairly low ( lower ) due to the low interest rate as well. First Salle Mae 's billing summary stinks and is not clear ( I should easily have access to my account to clearify what ( school ), when and to whom the loans are for because there maybe an error. Secondly I would like to consolidate or at least get lower rates, Sallie Mae does not provide that information as well. Concerend there is an error in my loan. Sincerely, XXXX XXXX