23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you today regarding the following account with Capital One Auto Finance : account # XXXX, XXXX, XXXX XXXX, opened date : XX/XX/XXXX, highest balance : {$17000.00}. 

My dispute is because Capital One is re-aging the account. ( see attached proof ). 
They committing unfair business practices, negligence and breach of contract. 

My demand is to get the item removed from my report. 

Please send to Capital One the attached documentation. 

Thank you.
Product: Checking or savings account

I completed my purchase for XXXX XXXX XXXX XXXX XXXX for my son on XX/XX/XXXX for {$100.00} on the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My order was dispatched with usps with an estimated delivery date of XX/XX/XXXX. Upon tracking my order, there was a complete hault of movement with " Awaiting scan '' being the current status. 
Order number XXXX usps tracking XXXX. 

I contacted usps to let them know on XX/XX/XXXX and XX/XX/XXXX. Usps assured me that a case would be opened for this lost parcel. I advised I want a refund to repurchase items as these were time sensitive medications. Usps advised that management would reach out to me but they never did. Usps closed the investigation on XX/XX/XXXX for no reason. 
I contacted the vendor by email and by chat on their site. The vendor never responded via email, only live chat. I will include proof of XXXX XXXX advising me to contact usps again as they shouldn't of closed the investigation without delivery. 
I advised this is not my fault as I paid for insured postage. The item never left usps. 
Live chat agent from XXXX XXXX  advised that if I opened a dispute with my bank that they will decline by saying they are helping. The vendor is not assisting as I have been the one reaching out to usps with no help or refund. I have already reordered these items as they are very important for health reasons. I just want a full refund for an item still in usps possession. 
I contacted my bank to dispute the charges and my bank states I would have to wait 30 days for a refund. 
Dispute number from citibank : XXXX Included will be photos of the purchase, tracking, my outreach to the vendor, as well as the information from the live chat agent. 

Today XX/XX/XXXX the order is still awaiting scan according to usps tracking. 
Customers should not be liable for lost or stolen packages when the postage was insured. 
I never received my goods or services. 
Obtaining medication should not be this hard. This is a XXXX that affects mostly XXXX Americans yet there is no awareness and priority. 
I told usps and the vendor that I will be reporting this issue and they said " that's fine ma'am ''.
Product: Debt collection

Had several judgments filed and property seized without knowing what debt it was for or time period we awnsered on the third judgment and discovered bills from 15 or more years were being used to collect from me and my wife we have assists but vary little cash we are farmers these judgements are befor my wife even came to the us the bills for XXXX were a joint debt with my first wife XXXX its well past North Dakota statute of limitations as well the reporting to credit agency has stoped me from financing anything for planting and cost us to lose crops and opertunity of lower finance charges we want to settle this but feel we have paid the amount that was legally collectible and I have no way to audit money seized and applied please help us this hurting us XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, Equifax, or XXXX. I have attached the dispute letter I sent on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to have Capital One send the information regarding late payments on my account XX/XX/2015, XX/XX/2015 and XX/XX/2015. According to the law they should send me proof of late payments. According to my records the payment was made on time.
Product: Checking or savings account

UMB bought my XXXX from my old employer. I have received XXXX letters indicating I have no recent customer-initiated activity, the latest XXXX on XX/XX/XXXX. " to avoid your XXXX becoming inactive and subject to the Inactive Account charge ... '' I never opened this account. I never agreed to bank with them. They bought out an old XXXX and now are coming after me with fees. 

I have no idea how to login or do anything with them, I never received a debit card. I thought the account had {$0.00} in it and asked to close it, but then received a letter that said there were {$440.00} XXXX  in it. I then asked how to access or transfer those funds and got a super confusing answer about monthly fees. This was on XXXX. 

I just called today on XX/XX/XXXX, because I haven't had time the last few weeks to deal with a bank I never agreed to work with who obviously can not run themselves. I asked how to log in and they said where's your debit card and I said that's literally the problem, where is it? They said it's been closed and an amount of ~ {$420.00} is being mailed to me by check. Where did the rest of the funds go? 

Banks should not be allowed to buy other banks, adopt their accounts, and terrorize their new clients that never consented. Why am I working with a bank I never agreed to work with?!?!
Product: Student loan

Hello, last year I was informed that a class action lawsuit ( XXXX v. XXXX XXXX ) I was involved in was finalized. As a result, my federal student loans were canceled. The school was proven to be involved in illegal practices when it comes to student loans. 

A few months ago I contacted Navient about XXXX particular loans that I believe should be canceled under the recent settlement decision. I informed them that these three loans in their possession must have been XXXX loans and as such should be consolidated to Fedloans and then canceled as well. The only loans that I know of were FFLP ( federal loans ) and I have no original documentation on these loans, however they insists that the loans are valid private loans. I then asked for all the documentation on these loans and my signed agreement to them to be sent to me and to freeze the loans until we get to the bottom of this. What they mailed to me was a copy of of some document with no loan details, and an electronic signature. The document they send had no details not even who the lender was, the XXXX, or anything specific. This seems like fraud perpetrated by the school and was being enforced by XXXX and now Navient. 

My credit report is being ruined by these three loans mentioned above and I don't even think they are valid loans. They can't produce any documentation proving they are my loans much less private loans and not XXXX loans. 

Someone needs to investigate this Navient company and situations like this I am sure I am not the only person this is being done to. 

Thanks, XXXX
Product: Checking or savings account

Was trying to link my account to XXXX XXXX and it will not connect. It keep saying that you will not verify my account to link with XXXX XXXX. I am losing out on thousands of dollars because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This has been hurting me as I am in the process of buying a home for my family. Please remove this account from my credit report i sent already 1099-C
Product: Debt collection

I had received and email from XXXX XXXX about an account being sent to collections with instructions to respond by XXXX. I had responded on XXXX just like the email said in the subject line " Dispute '' with the associated reference number. Attached to the email was a debt verification request and dispute of debt letter. The original email said that as long as they received, telephonic, written or electronic communication by the established date they would not submit to the various credit bureaus without first verifying the debt and that could take 30 days. I have never received a response to my initial verification request yet today my credit has been negativity effected even though I did what I was initially asked. I sent another email asking why this has happened and still haven't received a response.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Checking or savings account

My account was closed with Chase Bank without them acknowledging me before hand. On XX/XX/2018 my direct deposit from work was deposited into My account that I later found out was closed. I called chase to see if I could just pick up a check for the remaining balance or have the funds transferred to my wifes account. I was told no and that a paper check would be mailed to me and it would take 7 to 10 business days. 10 days passed and still no check. I called chase again and they extended the mailing date but could not give me a reason as to why the check did not come. I called customer service several times and have gone into the branches in my city and I still didnt get any answers. I went into a branch and was told that I could open another account and have the funds transferred into the account and it will take 4 days. Today is the fourth day and I have still yet to receive my money. I called customer service and they said there was no paperwork or anything on file that showed I should be receiving MY money. Is has been almost a month without my money and Chase has been nothing but rude to me when I call to recitfy the situation. I will have no choice but to have my lawyer contact them at this point.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

Hello CFPB Staff, I recently received a notice from a debt collection agency claiming to be collecting on an unpaid toll fee for the XXXX XXXX XXXX company. The notice cited that I owed the company - Linebarger Goggan Blair & Sampson LLC - {$80.00}. The notice references the license plate, XXXX, for a car I previously owned ( sold in XX/XX/2019 ). 

I never took an XXXX XXXX XXXX toll in the car referenced and never received any toll notices from the XXXX XXXX XXXX company for that car. I was unable to find any record on the company 's website. I reached out to them and have yet to receive a reply. 

I am concerned that this debt collection attempt is fraudulent because : ( 1 ) I never took an XXXX XXXX XXXX toll with the vehicle referenced, license plate # XXXX, MN. 
( 2 ) I never received any notices from the XXXX XXXX XXXX company about any toll violations for that vehicle. 
( 3 ) There's no record of the toll violation on the XXXX XXXX XXXX company 's website. 
( 4 ) A cursory internet search of the debt collection agency gives me reason to suspect that the debt notice is possibly illegitimate. 

Pertinent Information : Account # : XXXX. 
Clint Code : XXXX. 
Online Payment Number : XXXX. 
License : XXXX, MN. 
Date of Notice Letter : XX/XX/2019. 
Debt Collection Agency : Linebarger Goggan Blair & Sampson, LLP. 
XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX. 
XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial matter.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block Inc ) due to inaccurate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ) specifically cash app failed to take a timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore.Their dispute resolution process was unfair and deceptive. As they did not comply with the Error resolution. Requirements under the electronic funds transfer act. ( EFTA ) and reregulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and XXXX  while undermining my financial stability.
Product: Mortgage

In XX/XX/XXXXXXXX  New Rez/Shellpoint mortgage raised our mortgage payment from {$1200.00} to {$1700.00} with XXXX notice to us. We reached out to them and discovered it was an issue with our escrow account. We asked them to readjust because we could not afford that amount, especially during a pandemic, and they refused. When we closed on our house our city did not turn in our homestead paperwork and they were trying to contact a different XXXX XXXX so we had no idea that our house went non-homestead XX/XX/XXXX until XXXX of XXXX. We filled out a new Principal Residence Form in XX/XX/XXXX and as of XX/XX/XXXX our house was now homestead and we were getting a refund for our XXXX property taxes. But they only meet once a year and weren't meeting until XX/XX/XXXX. New Rez jacked up our escrow account in XX/XX/XXXX with XXXX notice. They refused to recalculate it even though our house was in fact homesteaded. They wouldn't accept any forms from the State of Michigan Equalization Department. The State of Michigan and the City of XXXX all were stumped on what to do. I finally got a hold of a superviser at New Rez/Shellpoint who said we can continue to pay our regular payment of {$1200.00} and in XXXX when our homestead case for XXXX was reviewed they would lower our escrow amount. We ended up selling our house in XX/XX/XXXX. 

We are now went to get pre-approved for our new house and New Rez/Shellpoint marked us late on XX/XX/XXXX and XX/XX/XXXX! When we made the {$1200.00} payment that their representative told us to!! We even called in to pay it and they assured us it wouldn't be a late payment. 

This company is without a doubt unethical. I have been trying to dispute their late payments and get letters of deletions for the two instances and I can not even get ANYONE on the phone. They do not answer at all. We have had countless issues with them in the past, they have no business dealing with peoples mortgages and credit scores.
Product: Credit card or prepaid card

Logging into my Chase Bank credit card account on XX/XX/2020, I have been presented with a set of agreements that I am being forced to accept in order to access my current and valid account. One of these agreements is a " consent to e-sign ''. I have been given no options to decline or defer acceptance of these agreements. i need to access my account in order to be able to make a payment on time and have agreed to e-statements, so I do not have the information to make the payment on time. Not only is this in bad faith, but I believe that it is illegal to force me to 1 ) consent to e-sign and 2 ) force me in the same session to electronically accept changes to my credit card agreements in order to be able to see my balance or make a payment on my account. In addition, the opt-out for any of these services requires mailing or calling and speaking with an agent. if they can provide an electronic opt-in, they should also be able to provide an electronic opt-out. 

Complaint # 2, the dates on some of these documents are in effect as of XXXX of this year. It is now XXXX and they are just now asking me to accept the terms of agreements which they changed in XXXX. I have logged on to the site multiple times from XXXX to today. They should not be able to retroactively date agreements by almost 3 months and force me to agree to backdated agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my equifax credit report a saw fraudulent reports from a collection company, XXXX XXXX XXXX for {$13000.00}. Places remove this fraudulent reporting information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had infringed upon my rights to privacy under the FCRA. Equifax falsely reported my XXXX 60 days which inaccurate. I was never late on this account.
Product: Money transfer, virtual currency, or money service

Hi and good day. I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online transaction such as transfer of money for my loved ones and as a means of payment for online services. My paypal account XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and God Bless..

Sincerely Yours, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regrading multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged and credits, This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.