23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home mortgage loan through Amerinat nationwide loan services. I have always paid on time and early an have never been late and have always paid the full amount, if not extra. Nevertheless, I received a credit monitoring alert this morning that stated that my credit had dropped 60 points. Upon investigating what caused the credit to drop, it was reported that Amerinat had reported that I was a victim of a natural disaster/declared disaster. So, I called to see what this was all about and the lady on the phone stated that because they did not report to the credit agencies for the month of XXXX that they went ahead and put on everyone 's account that they were affected by a natural/declared disaster. I told her that was illegal because I paid on time and early for he month of XXXX and since I have had the loan. I told her I wanted to speak to a manager, who was not available. So, she proceeded to tell me that I needed to go through collections to settle the dispute, since their collections department was the one who reported it. They advised that I needed to dispute it, which I told her was ridiculous because the fraudulently reported that I was affected by a natural/declared disaster. I have never once asked them to defer a payment, so the fact that they reported to a collection agency that I was affected was illegal. She said there was nothing that she could do and that I would have to write an e-mail stating what happened, which I did. Moreover, I am reporting this because it is illegal, because it was fraudulently reported to the credit agencies. I have proof of Payment for all the months that I have had the home loan and I have the email proof from Amerinat that I have always paid on time and have never been late. I was not affected by a natural/declared disaster. My account number through amerinat is XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my frustrations and concerns regarding Zelle 's handling of disputes, particularly in regards to the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

simons agency collections has reported multiple time the same debt owed to all3 credit reporting agencies. 
it appears on my reports multiple times for same amount XXXX $ ive settled this debt ref # XXXX
Product: Mortgage

My wife applied for and received a reverse mortgage in XX/XX/XXXX and diedXX/XX/XXXX. I then tried to get " non-borrowing spouse '' status with the reverse mortgage company so that I can remain in the home that my wife and I occupied but the reverse mortgage company denied me. They first requested documents from me that they should have had like the insurance declaration page ( I sent that to them 5 times ) and then they asked for a Tolling agreement which I provided. They then said I need to make repairs to my home ( some of which were unfounded repairs ) and then they said they did an appraisal and the appraiser noted repairs inside my home but I had never met with an appraiser who would have had the opportunity to enter my home. They are now saying that I need to sell the home or take a deed in lieu. I have been treated unfairly by this company ( Reverse Mortgage Solutions , Inc. ) and I feel that they are denying me without just cause
Product: Credit reporting or other personal consumer reports

Also my credit was exposed in a data breach and Im having trouble recovering it please help
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX is not showing on my credit report and it should be it was removed made on a erroring on the lender Side.
Product: Checking or savings account

My husband was offered a job by a woman through the website indeed. She hired him and sent a check to him saying it was for computer software and parts he would need to purchase in order to start training. She prompted him to send funds to these people in exchange for their software. We deposited the check on a Friday and on Tuesday the funds became available to us. We followed the prompts and did as the hiring recruiter asked. All the Money was disbursed. The following day our account went negative. The hiring recruiter and check were a fraud. We contacted the banking center for help, the police station, XXXX XXXX ... .. no one has been able to help us resolve this issue. Our account remains negative. How can my bank release that full amount of money without seeing that the check was a fraud. I have sometimes had transactions that only partial money was released until a later date. This was not the case here so I never hesitated that the check wouldnt have been good. I have all documents, case numbers, contact info of the recruiter Any info you may need. Please contact me and help me resolve this issue. Thank you for your time.
Product: Debt collection

I received a notification of the debt, and requested validation of the debt. I also disputed the amount. I sent this by certified mail return receipt. Company never responded, what place it on my credit report.
Product: Credit card or prepaid card

there's something wrong with the software, or programming, when trying to log on and resetting the password. The same information used to pay as a guest is rejected when trying to reset the password. The same information used to pay as a guest is rejected, in fact, for trying to do anything else. They system rejects the information saying it doesn't match their records. If you try to reset the password the system gets stuck buffering indefinitely. Then, if you use " live chat '' the agents direct you to use that very same process. Two different agents gave me two different links. One told me that the link I had been using before the password issue was the wrong link. The other told me to use another link as well. Which turned out to be the same link I had been using all along.
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had 3 late payments. There are payment history discrepancies along with a multitude of other inaccuracies that I've found. 

Consumer Reporting Agencies should always go about their way to comply and represent maximum accuracy. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Checking or savings account

I deposited a property damage check from a car accident where I was rear ended into my account on Wednesday XX/XX/year> between XXXX - XXXX a few days before my car was ready to be picked up when the check didn't clear immediately I contacted the insurance company who assured me the check cleared and was approved on their end Friday XX/XX/year> at XXXX XXXX. I contacted Citizens Bank notifying them of what I was told by the insurance company they began to tell me they put an extended hold on the check which left me very confused since I have been with Citizens for at least 10 years I have a pretty good track record I have never cashed a bad check! And the notice I received in the mail Monday XX/XX/year> say the reason they decided to delay my funds is because " deposit is not consistent with prior account activity ". It is an insurance pay out!!! This is frustrating and what gives them the right to hold my money!!! I need to pick up my car and the insurance will stop paying for my rental because to them they have given me the money thus is unfair. I am a normal person who works a XXXX to XXXX and trying to survive I don't have extra money to kick out. How is this right? This is why people don't like putting their money in banks. Also this has lead to start looking for a new bank I don't want to go through this in the future.
Product: Credit card or prepaid card

On XX/XX/XXXX LL Bean refunded XXXX to a Barclay 's XXXX Credit Card. This card was closed due to very poor customer service in XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this refund and have been told I will get a check. Recently, XX/XX/XXXX, I followed up with Barclays and was told I would get a check and given case number XXXX. On XX/XX/XXXX, I called again and was told there is no such refund and the agent made a mistake and the cased number is invalid. 
I escalated this to a manager without resolve
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I am submitting a formal complaint against ProCollect for their failure to validate a debt they claim I owe. Despite my repeated requests for verification, ProCollect has not provided sufficient documentation to support their claim, nor have they responded in accordance with the requirements of the Fair Debt Collection Practices Act ( FDCPA ). 

The specific concerns I would like to report include : Failure to Validate the Debt : I requested that ProCollect provide validation of the alleged debt. However, they failed to respond or provide any documentation proving that I owe the stated amount or that they have the legal right to collect the debt. 
Potential Violations of the FDCPA : Under the FDCPA, ProCollect is required to provide detailed verification upon request. Their lack of response is a clear violation of my rights as a consumer. 

Damage to My Credit : Despite not validating the debt, ProCollect has continued to report this account to credit bureaus, damaging my credit score and causing financial harm.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX
Product: Credit card or prepaid card

Both my credit card from Chase ( XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card ) charged me a late fee of {$28.00} for each card. The due date which is XX/XX/XXXX fell on a Sunday which isn't a business day for the bank. I paid my payment today which is XX/XX/XXXX, a Monday, and Chase wouldn't reverse the late fees. 

I believe the late fee is assessed wrong but when I reached out to Chase they told me that the due date is the due date, no exceptions. Under CFPB legislation I believe the consumer has the next business day to pay the due date without being penalized for the late fee. 

I hope this complaint will fix the wrong assessment of Chase and I'm sure Im not the only one that is being wrongfully assessed the late fee.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Was Contacted regarding a vehicle accident on a vehicle I now longer own. My insurance company released me from the liability of this accident. The other parties insurance sold the debt to a collection agency which is making threats to request suspension of my licence in a letter dated XX/XX/20. I receive harasses phone call on a day to day basis. They now are trying to connect the claim to a business my husband owns and operates. I keep trying to refer them to my insurance company and asked they do not contact me but it continues to escalate on their side.
Product: Debt collection

Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago. 
XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me. 

I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about. 

Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter. 

Your help with this matter is greatly appreciated. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card and received a letter saying I needed to call a number to activate it. They answered with a 'hello ' instead of a company name which was odd, and then proceeded to ask me to give every single bit of personal information to confirm my identity and wanted me to verify a text code - all exactly what is done to steal information. I said I'd already filled out all the information and asked if I could confirm with them anything, rather than give them all of it ( after I'd given them most of it ) they said I could not. I said I would not be giving them the information or signing up, but asked if they already ran my credit- they did, and it dinged my credit score. I'm extremely irritated as I'm trying to make some major purchases.
Product: Debt collection

They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!
Product: Credit reporting or other personal consumer reports

I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.
Product: Bank account or service

Regarding : Citi Platinum Select Account ending XXXX, Citi Simplicity Account ending XXXX. 

I lost my job in XXXX and due to not being able to find a new job, I became XXXX. 

I was the XXXX in XXXX Pa. 
I was a XXXX accredited member with an A+ rating. 

I made a few late payments to Citibank, this put me on their automatic dialer Collections list, the phone calls never stopped even though I was making monthly payments. I sent them a Cease and Desist letter XXXX XXXX, XXXX but the phone calls never stopped. Citibank claims the letter was never received. 

I claim Citibank is guilty off unethical debt collection practices. 

In XXXX, XXXX, a XXXX. I was unable to do ANYTHING for the better part of a year. 
I have medical documentation of the injuries to prove that I did not make false claims regarding said injuries. 

During one of the many phone calls, Citibank was informed of the injuries, I said that I had every intention to pay my bill but am unable at the present time, I need time to recover, asked them to stop calling and reminded them of the cease and desist. Citi was calling me several times per day, to the point that I would answer the phone and say " I 'm sorry, but my situation has not improved since I spoke to you 2 hours ago ''. 

I reminded them of the Cease and Desist, and they said in a letter from the office of the president, dated XXXX XXXX, XXXX and signed by XXXX XXXX from the Executive Response Unit, that the Cease and Desist was never received, but the calls would stop for a 14-day period. I have documented proof that the calls still did not stop during the 14-day period, which can be backed up by Citibank 's own phone recordings. 

XXXX XXXX, XXXX I sent Citibank another Cease and Desist. The calls never stopped I have documented over 50 calls that were made during and after the 14-day period that was promised ( time, date, employee name, employee identification number ), and after the 2nd cease and desist letter. 

It is highly unlikely that using the same mail system that Citibank uses to send bills to their customers, neither of two letters sent to Citibank reached their destination. 

I filed a complaint with the XXXX, enclosed a copy of the Cease and Desist, which was forwarded to Citibank by the XXXX of New York. 

The phone calls stopped. 

I was satisfied. 

Then Citibank waited 1 year for the statute of limitations to expire on the Fair Debt Collections Act, Violated the terms of the Cease and Desist, transferred the accounts to an outside source ( Debt Collector ) and now this nightmare has started all over again. 

If an individual harassed another individual the way that Citibank harassed me and my family, the individual would get arrested, and have a criminal record that would prevent the individual from exercising one of our Constitutional rights
Product: Credit card or prepaid card

I have travel protection insurance for damaged luggage through my Chase Sapphire XXXX credit card. My claim that I submitted on XX/XX/XXXX for my damaged luggage is still pending over a month later, and I was supposed to be contacted by a customer service person via phone but never was. The XXXX XXXX XXXX that they use is still requesting documents that I've submitted multiple times ( their website is broken about won't even let you upload documents, so they had to be emailed ), not calling me back at the promised time after they agreed to on multiple occasions, keeping me on hold over XXXX hour each time I call ( over XXXX hours on the phone ), and refusing to address the claim that I was supposed to be contacted about within 5 days. They appear to be trying their best to avoid addressing the claim and increasing the pending time to the point that the claim is invalid. Please see this website for similar reviews on this company which is undoubtedly a scam : https : XXXX
Product: Credit card or prepaid card

Good day to you. Its my Capital One credit card, I haven't use my card for a long time with no balance. That's why I got surprise when I got my statement last XX/XX/2021. There is a balance of {$42.00} but the transaction is from XXXX XXXX  and its XXXX transaction ( which I'm not aware ), so I got charge late fee x 3 months of {$40.00} per month ( Total {$120.00} ). So I called Capital One right away to tell them that its a scam and I'm not the one who made that transaction. They look it up in their system and told me to call XXXX to tell them what happened, so that's what I did. I call XXXX customer service and told them what happened, they said they will make their investigation and will come back to me in a couple of days. So after 3 days they called me back and told me that its a scam or something like that, they said they will refund me the money in 1 to 2 weeks time. I waited for like 2-3 weeks before I check my statement online if the refund already went through ( its there transaction date is XXXX XXXX amount {$28.00} + {$28.00} ). So it's there already and I called Capital One right away to tell them that XXXX proved it or found out that it is a scam, so they refunded my money back in the credit card. So I ask Capital One that since it was proven a scam they should also waive the fees of $ XXXX/month x 3 months. They said they can only waived 1 fee of {$40.00}. I told them why? Its not my fault and they should be the one protecting their customers. Also I told them that I'm a good paying customer, I don't have a record of late fees since I acquired their credit card 8 years ago until now that I got scammed. I'm struggling with Covid situation d/t work is not stable. But nothing, they said they can't do anything about it. I'm afraid that its going to mess up my credit, with the heavy heart I paid {$50.00} + {$52.00} to close the account, because if not they will continue charging with those interest. 

I am reaching out to Consumer Financial Protection Bureau, to please take a good look of my situation. It was proven by XXXX that it was a scam that's why they refunded my money back. Isn't that Capital One should also waive those late fees. I made copies of my statements if ever you need it for evidence. Hoping for your consideration. Please advise. Thank you. 

XXXX XXXX ( Phone # : XXXX-XXXX-XXXX  ) Capital One credit card ending in # XXXX