23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, shortly after midnight, I received a text from someone claiming to be my sister in law. The person said that her daughter XXXX owed some people money and they wanted it now, but she didn't have a PayPal account to send the money, and could I send it. I said that I would help, since I had a PayPal account. She first asked for {$300.00}, to be sent to a person I didn't know, then she said that didn't go through, to send {$300.00} to someone else, and another {$500.00} to that person. When I said I didn't have that kind of money in my account, I was threatened with not being able to see my brother or be welcomed to their house. I was told to transfer the money with my debit card so they would get the money right away instead of waiting a few days for the transfer. Then they asked me to buy {$1000.00} in bit coin, and to send it to a different account, I purchased the bit coin and had to add an extra {$100.00} for fees. The bitcoin didn't transfer, fortunately. When I saw my sister in law in the afternoon of that day, she had no idea what I was talking about. I immediately called PayPal to file a fraud claim, and was told that since I made the transfers of my own accord, that it was personnel, and not a business transaction, there was no fraud, and to call my bank. I tried to contact the people I sent the money to, but their accounts were gone. I called my bank, and the fraud department took the information and said they would get back to me. On XX/XX/XXXX, {$1200.00} was transferred back into my account, in the amounts of {$100.00}, {$300.00}. {$300.00}, and {$500.00}. I thought everything was settled, but sadly it wasn't. PayPal said it was a charge back, and that I owed them the money. I don't know what a charge back was, and was told that they had paid the fraudulent accounts and paid the bank as well. I told them that I was told there was no fraud so why did you give the money to the bank. No reply. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a collection agency, and called them to say I don't owe this money, and explained what happened and why I felt I didn't owe PayPal. I was told to call PayPal and ask for records that the money was deposited into my account. Paypal Closed my account and I had no way of getting to see what had happened and to who the money went to. PayPal doesn't care that I was scammed. PayPal is a large company, and repaying someone who was scammed {$1200.00} certainly won't hurt their bottom line, and would show that they are a good company to do business with. In the meantime, I have set up monthly payments of {$25.00}. I will not do business with them again, and will be very cautious of people texting me and asking for money. Thank you. 

As I am unable to open my account, I have to access to emails I have sent to them. Also, the text I received on XX/XX/XXXX was somehow deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.
Product: Checking or savings account

I went to open a new bank account and was told I owed XXXXXXXX XXXX. I never had an account with XXXXXXXX XXXX
Product: Debt collection

This is a utility debt well over 10 years old and the date keeps being changed by the credit collection company to make it look as if it's a new debt. I have disputed this before to no avail and I don't even know for sure if that is the correct amount because mountaineer gas no longer has record of it and attempts to verify with the collection agency have not been successful.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and upon reviewing saw accounts reporting that I do not recognize.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2019 in the amount of {$170.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$170.00}. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 1681 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past 3 years to get my credit report from XXXX. Everytime they say I do not have a file in my name. How can your credit file automatically just dissapear like if it never existed. I have called them numerous times and they continue to say my file is not on record. They cant find my name, my social security number, nothing. Why if I had a report before they can not find any report in my name or under my ss number? It just dont dissapear. Please help me
Product: Debt collection

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Product: Student loan

I've had the same issue with Nelnet on two occasions. I applied for the SAVE IDR plan through the federal student aid website on XX/XX/XXXX, and Nelnet put my account on Administrative Forbearance, leading to interest accruing on my account despite it being on Administrative Forbearance. The SAVE plan was approved on XX/XX/XXXX, but it was effective from XX/XX/XXXX. During this time, my interest grew to over {$400.00}, and even though the SAVE plan was active, the accrued interest was never removed.

I contacted Nelnet in XXXX and XX/XX/XXXX about this issue but got no result. 

On XX/XX/XXXX, I consolidated all my loans into one, causing the accrued interest to merge with the principal amount. I reapplied for the SAVE plan, got approved, and it is set to be effective from XX/XX/XXXX. However, during this time, my account is still on Administrative Forbearance, and I'm getting daily interest charged, causing the interest amount to grow day by day. I'm concerned that this will continue until XX/XX/XXXX. 


There is an announcement stating that borrowers should not accrue interest during Administrative Forbearance. Nelnet failed to comply with this on two occasions on my account.
Product: Payday loan, title loan, or personal loan

I opened it in XX/XX/2015. They had me paying unemployment insurance, but they didn't tell me that it was only good for 6 months. I was out of work for a year and they quit paying my bill after 6 months. I tried to reach out to the company to come up with a settlement agreement but can't catch them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove my consumer statement an fraud alert from my credit report, Please remove it permanently. Thank you.
Product: Mortgage

LOAN MODIFICATION AND QUALIFIED WRITTEN REQUESTS RE : LOAN NO : [ LOAN NUMBER, ADDRESS, ETC., REMOVED AS THIS SITE INSTRUCTED NOT TO INCLUDE AT THIS STAGE OF COMPLAINT PROCESS ] RE : XX/XX/XXXX FRAUDULENTLY ORIGINATED COUNTRYWIDE LOANS IDENTIFIED IN XXXX FEDERAL AND STATE CONSENT ORDERS/STIPULATE JUDGEMENTS. LOAN ACQUIRED BY NATIONSTAR COOPER IN XXXX BUT DOZENS AND DOZENS OF REQUESTS FOR RELIEF AND/OR THE COMPLETION OF STILL EXISTING MODIFICATION APPROVALS NEVER COMPLETED/IMPLEMENTED. NO PERMANENT MODIFICATION RELIEF OF ANY KIND PROVIDED TO DATE. 

[ NAME ADDRESS PHONE NUMBERS REMOVED PER THIS SITE INSTRUCTION AT THIS STAGE OF COMPLAINT ] SEE ATTACHED COMPLETE UPDATED DOCUMENTATION ATTACHED AGAIN TWENTIETH+ TIME SINCE XXXX OF XXXX ALONE WITH MANY, MANY DOZENS PRIOR TO THAT FROM XXXX THROUGH XXXX OF LAST YEARS. 

ALL REQUESTS FOR RELIEF RELIEF HAVE NEVER RESULTED IN ANY MODIFICATION RELIEF OF ANY KIND INCLUDING AS SPECIFIED IN XXXX FEDERAL CONSENT ORDERS/STIPULATED JUDGEMENTS, TWO PRE-EXISTING MODIFICATION APPROVALS BOTH INCOMPLETE BY NATIONSTAR/COOPER INCLUDING XXXX XXXX XXXX XXXX PRE-EXISTING NATIONAL MORTGAGE SETTLEMENT " XXXX '' APPROVAL BY NATIONSTAR 'S PREDECESSOR XXXX THAT WAS SIMPLY AWAITING IMPLEMENTATION OF XXXX COMPLIANCE TO THE APPROVAL ( ONE OF TWO THAT NMS APPROVALS BY XXXX ) BUT NATIONSTAR/COOPER HAVE FAILED AND/OR REFUSED TO EVER COMPLETE IT BY SIMPLY IMPLEMENTING NMS COMPLIANCE THAT WAS PENDING. 
XXXX. XXXX NATIONSTAR MODIFICATION APPROVAL FOR WHICH NATIONSTAR REQUIRED CONSIDERATION/EARNEST MONEY DEPOSIT THAT WAS PAID BY ME AND CASHED BY NATIONSTAR BUT THE MODIFICATION APPROVAL WAS NEVER IMPLEMENTED XXXX. ENDLESS REQUESTS FOR ANY COMPLIANT MODIFICATION REVIEWS AND IMPLEMENTATION THE RESULTS MOST FAVORABLE TO ME/PROVIDING THE MAXIMUM RELIEF INCLUDING BUT NOT LIMITED TO LOAN EXTINGUISHMENT/FORGIVENESS/EXONERATION RECONVEYANCE XXXX. PANDEMIC LOAN MODIFICATION RELIEF, ETC. 

SEE ATTACHED COMPLETE DOCUMENTATION I AGAIN SUBMIT FOR MODIFICATION OF THE XXXX FRAUDULENTLY ORIGINATED XXXX LOANS AT ISSUE INCLUDED IN XXXX FEDERAL CONSENT ORDERS/JUDGEMENTS REQUIRING MODIFICATION RELIEF. 

I HAVE PROVIDED BOTH AN XXXX LINK BELOW AND AS A DIRECT ATTACHMENT TO THIS EMAIL CONTAINING THE COMPLETE DOCUMENTATION FOR MODIFICATION AGAIN REQUESTED ELECTRONIC SIGNATURE [ REMOVED PER THIS SITE INSTRUCTION NOT TO INCLUDE AS THIS STAGE OF COMPLAINT PROCESS ] XX/XX/XXXX NOTE : I PROVIDED EXTENSIVE/COMPLETE DOCUMENTATION AGAIN AS PART OF THE ABOVE EMAIL TO COOPER AND ITS COUNSELS TODAY BUT DID NOT INCLUDE THE LINK HERE AS YOUR SITE INSTRUCTS NOT TO AT THIS STAGE.
Product: Credit card or prepaid card

The current issue is causing me significant distress and is having a negative impact on my sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from XXXX showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get XXXX to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to XXXX until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like XXXX to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.
Product: Checking or savings account

If you had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit card or prepaid card

On XX/XX/XXXX my Chase Visa credit card was used used for a fraudulent purchase an XXXX XXXX from XXXX. I received an unusual email from XXXX so I called Chase Visa to report the fraudulent transaction. Chase removed the charge and issued a new card. 

XX/XX/XXXX - I was checking my monthly statement and saw that the fraudulent charge from XXXX appeared again. I called the fraud department and requested an escalation of my case. I called the XXXX police department and filed a police report. I sent the police report the Chase Visa fraud department. 

XX/XX/XXXX- Chase responded saying that they checked with XXXX and they have determined that it was a valid charge. I told them emphatically that it was fraud and that I didn't do it. They didn't care and simply kept replying that it was a valid charge. 

XX/XX/XXXX ( approximately ) I spoke with XXXX XXXX department and XXXX explained abut the fraudulent charge. At the time they said there was nothing they could do except give me the order number and the location of the store XXXX store, XXXX Florida. 

I called the XXXX, FL police department and filed a police report. The detective called me and started an investigation. The detective contacted XXXX to obtain additional information on the transaction. The detective then submitted a subpoena to XXXX for the location of the device. 

I contacted Chase Visa again and informed them that I had additional information and I wanted to reinstate the investigation. I sent Chase Visa the police report form the XXXX police department. 

XX/XX/XXXX- Chase responded telling me they reviewed the information it had determined it was a valid charge. 

I did NOT make the purchase it was fraud and they are still making me pay the {$420.00} for the XXXX XXXX that I did NOT purchase. 

I have called the Chase Visa, XXXX, and 2 different police departments and I cant get this fixed. Please help me! Thank you.
Product: Debt collection

This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this last time but I received mail from CFPB so XXXX gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, XXXX, and equifax certified mail. This is messing with my lively hood.
Product: Debt collection

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Product: Debt collection

I was not aware this account was in collections with this company..I didnt receive a letter of validation from this company to dispute this account. So how is account validated to be put on my credit report..this needs to be removed
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX. 

I demand that the following items be deleted immediately from my credit report :
Product: Mortgage

CALIBER COMPLAINT The way We make our mortgage payment monthly is by online banking. 
We log in into Our account at Caliber We transfer money from our bank to Caliber by using Caliber 's website. 
It shows as posted/draft on the date we make the payment and we receive " one Time Payment Received '' email on that date. 
48 hours later/2 days I receive a 2nd email as a 'Confirmation of payment ''. 

Since XXXX, 2016 this has not happened. 

Back in XXXX, 2016 after we made our mortgage payment ( posted /draft payment ) we received the 1st email " one Time Payment Received '' as usual but 48 hours later, we notice we did not receive our confirmation payment email ( Email # 2 ). 
We emailed caliber asking for my confirmation email and we asked if they changed their protocol. ( since we have not received any letter stating the changes ) They answer that they have not changed their procedures/protocols, also, that we should check our spam/block list & to consider their response as the confirmation for mortgage payment. 
We did, there was nothing in our spam folder, our block list did not have Caliber blocked & we made sure to have their information in our address book. 

The following month the same situation happened. We did not receive our confirmation payment email ( Email # 2 ). 
I emailed again and they responded exactly the same thing. ( to check on my end and to consider their response as our confirmation ) On Month # 3 the same situation happened. Since emailing this company does not fix the problem, puts the problem on me & maintains poor communication We decided to call their XXXX number. 
We explained to customer service person what has been happening, and he gave us the same " solution '' check your spam folder, check your block list and, He said he can not give me a confirmation over the phone, offered to switch my email notifications into Mail notifications. He said they are working on the problem and did not have any idea of when we would get a confirmation email. 
We told him this problem has been since XX/XX/XXXX & we needed our confirmation email. 
He was not able to give us any kind of confirmation for our payment, he could n't give us a time line on when this was going to be resolved ( again, this problem has been happening for 3 months ) then he put us on hold saying that he would get us a supervisor ( who I did not ask for ) We spent 1 hour of our time over the phone with customer service and we had to email again in order to get a confirmation email. 

Caliber has a very poor customer service by email or by phone. 
Communication is key. 
Our Mortgage payment is the most important payment we do and we have always taken that very seriously. 
The email customer service at caliber ignored our situation, they did not look into the problem from their end twice. The personnel on the phone did not help neither while it seems he was able to look into the problem his inability to give me a confirmation just makes their service insufficient/deficient/limited. 

By email they ignore your petitions/problems and by phone they can not give you confirmation. 
Really bad customer service
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Midland Credit Management Unauthorized Reopening of Closed Account and Incorrect Reporting Dear CFPB Representative, I am writing to formally lodge a complaint against Midland Credit Management regarding their handling of an account ( Account Number : XXXX ) that I do not recognize. Specifically, Midland Credit has reopened a previously closed account without providing me with any prior notification. Additionally, they are incorrectly reporting this account to several credit bureaus, further damaging my credit history. 

I have repeatedly requested debt validation from them, but they have failed to provide sufficient proof that this debt belongs to me. Their failure to validate the debt while continuing to report it inaccurately raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I request that Midland Credit Management either properly validate the debt with appropriate documentation, including original creditor details and proof of my liability, or promptly delete this account from my credit records. 

I request the CFPB to investigate this matter and take necessary actions to ensure Midland Credit Management complies with consumer protection laws. Additionally, I request a written response outlining any findings or resolutions to this issue. 

Thank you for your time and attention to this matter. Please feel free to contact me at the information provided above should you require any further details.