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

I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
here 's the accounts I reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just XXXX 30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

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

I've recently received a copy of my credit report and noticed some inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Payday loan, title loan, or personal loan

I was diagnosed with COVID 19 and out of work for a week beginning XX/XX/2023. I did not receive a full paycheck. 

I was recently diagnosed with XXXX XXXX and spent over a week in a XXXX XXXX XXXX. I called them to notify them of my situation on Friday XX/XX/XXXX and to see if there was any way to make a settlement or refinance the loan with a co-signer. I was told no one was available to discuss this option and I would be called back. I did not receive a call back. I called again on Monday XX/XX/XXXX and was left on hold and never was able to get anyone on the phone. I called again on Wednesday XX/XX/XXXX. I was told again there was no one available to take my call and that they would have someone call me back. This creditor has made no attempt to respond to my communications in reference to this loan. I am attempting to right my delinquency and have not been afforded the opportunity.
Product: Mortgage

CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification
Product: Credit reporting

After contacting the CB I 'm getting no responses from faxes and letters. These inquires were not authorized by me nor have I had any credit granted by these companies and I want them off my Equifax report : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX16 5 ) XX/XX/XXXX16 6 ) XXXX16 7 ) XXXX XXXX XXXX XXXX16 8 ) XXXX XXXX16 9 ) XXXX XXXX XXXX16
Product: Credit card or prepaid card

Signed up for US Bank Altitude reward card on XX/XX/XXXX, with the primary reason being their 3X reward points on digital wallet purchases. I bought a XXXX Smartphone to be able to take advantage of this feature of the card. As soon as I received the card, I began using the card for all my purchases, from travel, to groceries, to everyday miscellaneous spending. On XX/XX/XXXX, I tried to use my card at a grocery store like I had several times before. It did n't work. I was n't sure if it was the digital wallet feature ( XXXX XXXX ) or the card itself. I called US Bank and they told me they could n't tell me what the problem was, but I was given a name and number in the investigations department. I called the phone number the next day ( XX/XX/XXXX ) and left a message. I got in touch with a representative the next day ( XX/XX/XXXX ) and was told that my card was closed because I had violated the card agreement by purchasing gift cards. I had done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I buy one gift card for my wife each week for her purchasing as a tool for budgeting. I have done this with other credit cards for years and never had a problem. While it would be inconvenient, I would have no problem not doing this on the US Bank card ( even though it is normal spend on my card ), but that my card was closed with no warning seems to violate any customer service standards or card agreements.
Additionally, upon account closure, I lost any access to rewards points that I had accrued.
Product: Debt collection

The Navy FCU is collecting a auto loan debt. I lost my job XX/XX/XXXX and did not work again XX/XX/XXXX. I tried to mitigate missing payments immediately but Navy FCU would not work with me. I could not pay. 
Fast forward, the car was repossessed, XX/XX/XXXX and the FCU rep stated i need to pay {$10000.00} by XX/XX/XXXX. I explained that i could pay it off but needed more time. He stated he would give me until XX/XX/XXXX. The last conversation i had with him was XX/XX/XXXX where he stated i could pay car off then call car storage company to pay storing fee. I called them XX/XX/XXXX. They said they do not have car and car is already at auction house. If i want belongings i need to contact XXXX XXXX. I called XXXX XXXX they stated they do not have the car and do not know where the car is. 
I attempted to call XXXX XXXX back on XX/XX/XXXX but he was gone for the day and another FCU rep reviewed my account. She stated the Navy FCU gave me until XX/XX/XXXX to pay the balance and not XX/XX/XXXX as stated by first rep. 
Out of all this : 1. Navy FCU rep falsified the timeframe the bank was actually given me. XXXX vs XX/XX/XXXX. 
2. The company supposedly storing my car is located in XXXX and has already sent car to auction house but will charge me a daily storage fee. 
3. I changed my address and have not received term notification. 
4. My car location is too far for me to get my property out of. 
5. I have been out of the country from XX/XX/XXXX-XX/XX/XXXX. 
I am stuck trying to get car back and property in car!
Product: Debt collection

I received a letter in the mail, from GULF COAST COLLECTION BUREAU dated for XX/XX/year>, requesting I make a payment or dispute the claim. 

I received my bill from XXXX on XX/XX/year> and already made a payment on XX/XX/year>. The debt was paid and my account balance is XXXX. 

When I attempted to dispute the claim by going onto the website they listed on the letter, it took me to a scam webpage. Along with that, I tried to email the company which is a fake email and would not send through. 

I attached documents with the letter sent from the company, original bill and receipt. I also attached a screenshot from the email that would not send through and my current account balance reflecting XXXX.
Product: Credit card

I called to cancel my credit card account and the issuer ( Capital One XXXX ) refuses to refund the unused portion of my annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX Subject : Dispute of Inaccurate Information under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute certain information in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which allows me to challenge inaccurate or incomplete information. 

Upon reviewing my credit report, I found the following errors that I believe are incorrect and need to be rectified : Disputed Item : XXXX XXXX XXXX, XXXX XXXX XXXX, I do not know such accounts. 

Under Section 1681i of the FCRA, I request that you investigate this matter promptly and correct the erroneous information. Please notify me of the outcome of the investigation and any updates to my credit report.

If this matter is not resolved within the required time frame or if the information is not corrected as required under the FCRA, I will consider pursuing further action as outlined under Section 1681o, which may include seeking damages for any willful noncompliance.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the dispute and resolution.

Sincerely, [ Your Full Name ] [ Your Signature ( if sending a physical letter ) ]
Product: Checking or savings account

On XXXX/XXXX/XXXX at XX/XX/XXXXI walked in to the Chase Bank off of XX/XX/XXXX in XXXX and noticed they only have one teller now and have replaced the tellers with two atm machines. The teller line was long and the assistant branch manager walked over to me her name is XXXX XXXX  and stated you can use the ATM. She went on to help me deposit cash I put {$1300.00} dollars in ATM which she assisted me with and an error came up and a receipt came out stating I needed to call the number on it to verify my deposit was credited to my account. The Manager said sometimes this happens, let me check your account. My deposit did not post. She immediately called the claims department and they assured us after making the claim I would be refunded with a temporary credit of my {$1300.00} dollars within 12 hours. That never happened. I called 4 times today and spoke with Chase claims department my call was escalated. The representative advised me that per Chase policy they can hold my cash deposit until XXXX XXXX until their research is completed. I said how can you hold my funds, my cash for two weeks.??? nothing has been done. I have yet to receive a temporary credit to my account even after I have given them all the information they requested not to mention their Assistant Branch Manager helped me make the deposit. Iv kept the receipt and Im completely frustrated by their lack of customer service. Its my money and I want it back. The Chase bank I used is located at the following address- XXXX XXXX XXXX XXXX XXXX ATM Terminal ID- XXXX
Product: Mortgage

Four phone calls and a faxed letter requesting the payoff amount on the loan. Attempted to payoff balance online but it was rejected because it exceeded their " limit ''. Attached is a letter that was faxed requesting for the payoff amount. As of XX/XX/2019, still haven't received a payoff amount from them ( XXXX bank / Loancare )
Product: Debt collection

VALIDATION AND CEASE AND DESIST World Finance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear World Finance Corporation : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request for Debt Validation Dear [ Credit Bureau Name ], I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file.

The details of the debt in question are as follows : Creditor Name : [ Creditors Name ] Account Number : [ Account Number ] Amount : [ Amount ] In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added.

o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 30 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an XXXX XXXX XXXX XXXXXXXX XXXX for over XXXXXXXX XXXX. I've never been late on payments and have paid down balances in excess of {$8.00} XXXXXXXX My account has been reported XXXX XXXX overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XX/XX/2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but XXXX informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all XXXX agencies ).
Product: Credit card or prepaid card

Received paperless Capital One credit card email statement for XX/XX/2019. Went to online account portal on XX/XX/XXXX to get balance, paid off the balance electronically which posted to Capital One card account on XX/XX/XXXX. Received new electronic statement For XX/XX/XXXX thru XX/XX/XXXX. 

Only charge for this billing cycle is interest charge of {$28.00} on a balance subject to interest of {$1100.00} XXXX at 25.74 % ). 

Doing the math indicated I am being charged for interest from XX/XX/XXXX thru XX/XX/XXXX. 

I was refused correction/refund of interest charged after balance was paid as well as explanation after walking thru the calculation.
Product: Credit card

I am seeking your help to investigate accounts that are incorrectly reported as having late payments. Upon reviewing my credit report, I found that some accounts were marked late when they shouldnt be. There should be no late payment remarks on these accounts. Please correct this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

account is missing the Terms, the Actual Payment Amount, and the Date of Last Activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/18 two payments were made accidently to my mortgage company by me. One was for {$1000.00} which is the full mortgage amount and the other one was {$550.00} which is half my mortgage. I called them immediately to notify them I would need the {$1000.00} credited back to my account as this was an accidental payment on my part & that I would be paying split payments for {$550.00} each. 

I was given instructions on how to request this amount back in writing and I sent the fax in right away. 

That was XX/XX/18, today is XX/XX/18 and I am still waiting for my money. I have talked to numerous staff members, as I have called daily & several Supervisor 's. Each time I call, I am given different information. I chose this company because I am a Veteran and was told they " take care of their Vets ''. I am extremely disappointed in my dealings with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the past month of XXXX, I applied to buy a home. I was surprised when the loan officer denied me due a negative account on my credit report from XXXX. 

I disputed the account with XXXX  via certified mail XXXX. Back on XXXX, your institution was notified to relieved me of all responsibility regarding this account. This account belongs to my ex-spouse and as you can see in the court documents attached, I was supposed to be removed. I sent as a supporting document the Court Order including the translation. ( See attached ) I received the dispute results ad came as verified as accurate. Its funny that mentioned the report was updated. I sent the letter on XX/XX/XXXX and was received on XX/XX/XXXX. But the new report generated today XX/XX/XXXX said the account was updated on XX/XX/XXXX Does they really investigate the account? If so, why the dates showed they didnt. ( See attached ) I Also disputed the account with Select Portfolio Servicing via certified mail # XXXX. The letter was received by the mentioned company on XX/XX/XXXX ( See attached ) As today, XX/XX/XXXX the company didnt respond. Under Fair Credit Reporting Act ( FCRA ), companies generally have 30 days to investigate the dispute. Failed to respond is a violation under the law. When I sent the dispute, they supposed to cease and desist any collection activities until they send me the results of the investigation. They didnt response my dispute, but they went ahead to verify the account with XXXX  which under the law is considered a collection activity which is another violation under the law. 

As you can see, there is a lot of violations involved here. Im demanding to remove the account # XXXX reported by Select Portfolio Servicing from my credit report due the mentioned violations and because the account is not belong to me. 
See attached the letter copies of the letter sent to XXXX  and to Select Portfolio Servicing and the Court Order.