23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I mailed priority mail 2 cashiers checks to my bank, at their XXXX, Illinois post office box as directed by XXXX, one of their customer service representatives. 
The envelope with the checks was received on XX/XX/XXXX, and confirmed by myself and the bank via the post office tracking number. 
Checks were not deposited into my money market account, in a timely manner so I began calling to find out the status of my deposit. I have called several times, spoken to several reps at the bank, finally spoke to XXXX who issued what they call an activity report, case. 
Was told by XXXX, that all the mail delivered on the week of XX/XX/XXXX to the bank, was sent back to another location at the bank, and were redirected to their post office box on XXXX, which meant they would not be picked up until XX/XX/XXXX. 
Spoke to XXXX on XX/XX/XXXX, told they were being processed give it more time. 
Spoke to XXXX on XX/XX/XXXX, and was asked to mail a copy of the cashiers checks to the department that was handling the activity case, which I immediately did. 
Spoke to other reps in between and was told to be patient, because of covid they were working from home, and the fraud department was handling the pick up of checks. 
Spoke to XXXX on XX/XX/XXXX, because I was denied the ability to speak to XXXX one of their supervisors, he was busy, and would call back in a day or two. He apparently contacted XXXX, who called and after several calls back and forth was told that the checks were apparently lost, to put a stop on them, and get new cashiers checks. 
That would be fine and well, but I did not purchase these checks, it was payment for a legal settlement that was finally settled and the purchaser does not want to stop and re-issue the checks. I contacted my lawyer today XX/XX/XXXX, so he can call the other attorney and see what can be done. 
I have gotten nothing but the run around from these people, other than XXXX, who was been as helpful as he can be based on his position with the bank. 
This is causing me financial problems, but unneeded stress. 
I need to get this rectified as soon as possible.
Product: Payday loan, title loan, or personal loan

I applied on XXXX XXXX website for a personal loan. I was declined. They sent me an email telling me to login to my dashboard. So I click on email link to go to the dashboard. And this dashboard has a wrong physical address on my account. I was very concerned because I am the victim of ID theft. I called customer service and wanted an answer. The agent said I didn't know what I was doing and I told him English is my first language and I know how to read and I did know what I was doing. He asked his manager and then said " that happens, the wrong address on the account, be we don't know why, just login and update it. '' They didn't take my concern seriously at all. I had a problem applying for this loan. At first, they ask to verify your identity and ask for your last 4 digits of your social security number. And your address. But then I got a message saying they couldn't verify my information. I then entered my entire full length 9 digit social security number. Now I'm afraid someone stole my identity again. He did say my loan application was declined based off my real address, not this fake address, but how do I know this is accurate. Now I have to pull my credit reports to see if this fake address shows up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

Experian 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

I received a call from XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/2017 demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, XXXX XXXX XXXX # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my student loans have been consolidated via XXXX XXXXXXXX XXXX, however, Equifax is showing XXXX XXXX date opened XX/XX/XXXX amount {$5000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1100.00} ; XXXX XXXX date opened XX/XX/XXXX {$1200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$2600.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX XXXX {$5500.00} ; XXXX XXXX date opened XX/XX/XXXX {$1300.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$3700.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX {$35000.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4100.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1500.00}
Product: Mortgage

Hi, We had been working with Nationstar ( now Mr. Cooper ), the servicing entity for our home mortgage loan for XXXX XXXX, on a loan modification back in XX/XX/XXXX. When it became clear that a new loan modification was not going to be approved, we decided the only path forward was to sell our house. Hence, we notified Nationstar in XX/XX/XXXX that we were putting the house on the market. 

In order to ensure we could sell the house, we borrowed money to get the house ready for sale, including replacing the roof. The roofing company had a backlog ; so it took the roofing company till late XX/XX/XXXX to put on the new roof. While we were waiting for the roof, we continued our efforts of the past eight years to try to work with XXXX and Nationstar to save our home. 

When it became clear that our efforts were futile, and after the 50 year old roof was finally replaced, we put the house on the market on XX/XX/XXXX, and it sold on XX/XX/XXXX, with a Purchase & Sale Agreement signed by both buyer and seller. 

To ensure a smooth process for paying lien holders and as recommended by our housing counselor, we requested that our real estate agent contact Mr. Cooper/Nationstar with information on the transaction. She did so via a phone call on XX/XX/XXXX or XX/XX/XXXX. The house is in escrow and is scheduled to close on XX/XX/XXXX. 

On the evening of Monday, XX/XX/XXXX at XXXX, we received a Notice of Default ( NOD ) taped to our front door. At the advice of our housing counselor at XXXX XXXX, we sent the Trustee of our loan ( XXXX XXXX ) a communication, requesting that they rescind the NOD, since they would soon be paid the full amount owed on their loan. 

By executing the NOD in spite of having knowledge of the sale, Mr. Cooper/Nationstar/XXXX XXXX  is adding undue risk to the sale of the house and closing. Our housing counselor says a NOD event shouldnt happen in the middle of an escrow closing, and this is a key reason why our realtor proactively notified Nationstar/Mr. Cooper of the sale of the house and the scheduled closing date well before the NOD was posted. 

Thank you very much for your assistance in resolving this matter.
Product: Payday loan, title loan, or personal loan

One Main Financial charged too much interest and added on extra insurance
Product: Debt collection

ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX and XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Late payment. XX/XX/year> In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Cash app took my money and would not return it, after it was unauthorized to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Prosper Costal reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXXsince XXXX my balance has decreased but that information was not captured due to reason # XXXX XXXX. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to XXXX. They reported the same inaccurate information that they just had updated with XXXX. This caused my XXXX score to take a deep dive of XXXX points.
Product: Mortgage

JP Morgan Chase entered into a Cash-for-keys agreement with me and I feel has now defaulted on our agreement and refuses to forward funds to me that were promised in our agreement. I feel that their representative misrepresented the facts of the case and I need a successful resolution to this problem.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX  : XXXX XXXX  XXXX - XX/XX/year> :
Product: Debt collection

Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. On XXXX XXXX, XXXX creditor 's attorney responded claiming they had sent verification, and consumer responded on XXXX XXXX, XXXX stating that they had not received verifying documentation. It has now been over two months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information found on my recent credit report, which I discovered on XX/XX/XXXX. Upon review, I found discrepancies in my payment history on certain accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681 Section 604a : Section 2, which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was never paid late, the inaccuracies pertain to the following late payments are incorrectly listed on my account. 

XXXX Account Number XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Debt collection

i sent some dispute letters to capio partners LLC about some alleged debt they said i owe on XX/XX/2020 and i have attached the letters in the complaint below. I sent it to their Register agent office to make sure it gets to the right person.
Product: Checking or savings account

I had someone call scam me representing my bank for 2 debit card transactions on XX/XX/2023. The caller ID even said my bank name. I immediately upon hanging up with this man called my bank and told them what happened in detail they submitted my claims. Which are now as of today closed and they have said that they were authorized transactions. They infact were not authorized by me but by someone that called me representing my bank. They were for International airline tickets in the amounts of {$310.00} and {$620.00}. I tried to dispute the closed claim and was shut down I tried to speak to the airline and they said that no one else could possibly use my cards with out authorization. Please help me to fix this. How is someone soppose to protect themselves if someone can get into the bank system and call from their number and send you an authorization code to speak with them from the bank. I have had my card info stolen before and the bank has been able to see that those transactions were clearly not me but this time they said that there was no information where these transactions originated from.
Product: Bank account or service

Unauthorized money transaction, by means of direct deposit, by the company XXXX. The company direct deposited illicit monies. Bank to Bank.
Product: Debt collection

I RECEIVED A CREDIT ALERT THAT A NEW COLLECTIONS FROM XXXX  IN THE AMOUNT OF XXXX, THE 3RD PARTY COLLECTION AGENECY IS ENHANCED RECOVERY COLLECTIONS, THIS ACCOUNT DOESNT BELONG TO ME, PLEASE SUBMIT A ORIGINAL CONTRACT AND IDENTIFICATION. PLEASE REMOVE THIS FROM XXXX, XXXX AND XXXX
Product: Checking or savings account

I told customer service I couldnt move due to an injury I had there was also a purchase in XXXX XXXX  where I know I was no where near I lost my wallet pin was inside and written on the debit I called immediately and told them where I was I had proof of me being home and they simply said I would just have to wait so I did and they said because it was authorized pin but I simply told them i needed the help to somehow get the refund
Product: Bank account or service

I have a bank account with Chase and a bank account with XXXX Bank. 
In XXXX, I wrote check XXXX from my XXXX account to pay a guy, XXXX, for installing some ceiling fans. XXXX deposited the XXXX check into his Chase account. 
A month went by. Chase sent a letter to XXXX saying that my XXXX account as invalid and charged XXXX {$12.00}. XXXX did n't tell me till XXXX. I looked at the letter that Chase gave XXXX. [ Chase accused me of writing a fraudulent check! I am angry! ] Chase had added a digit to my XXXX account number. Chase was in error. 
XXXX went to Chase and explained the Chase error. Chase said they would clear it up within 10 days. Yet, it is now almost XXXX, and Chase still has not cashed that check. XXXX still does not have his {$250.00}. Chase is damaging my reputation!! 
My XXXX account is valid. On XXXX XXXX, 2016, to prove it, I wrote check XXXX from the same XXXX account and deposited it into my own Chase account. The check cleared in 2 days! This should have proved to Chase Bank that my XXXX account *IS* valid. 

I think Chase is discriminating against XXXX because XXXX is not XXXX.
Product: Checking or savings account

My name is XXXX XXXX and I opened PayPal to process payment and receive payment. 

My email on Paypal is XXXX However PayPal locked my account and asked for certain information and after I provided the information PayPal said they would review and unlock the account within 1 business day. 

However, it's 15 business days already and PayPal has not unlocked my account. 

Because of this, it has really affected me from receiving payments from friends and family and I believe PayPal will put things right and unlock my account as my account isn't a risk to Paypal internal security
Product: Credit card or prepaid card

Capital one has me sending multiple documents to verify my identity Back and front on my license, Social security Card and now they are asking for a complete copy of my bank statement. I told them I did not feel comfortable sending all this information to them. They already verified my license and social security number but apparently thats not enough. I would also like to mention I have a car loan through capital one. I asked them to close the account that was restricted knowing it will poorly effect my credit.
Product: Credit card

Sense XXXX every word spoken from Apple Card reps and supervisors has dishonest. It is terrible that they can be honest and terrible that Apple Card supports this dishonesty. Lies all the way to mangers who if you miss there call they hide like cowards in stead of leaving there direct number. Its like Apple Card does not beleive on customers working plus they have misseee probebly 15-20 scheduled call and still lieing as of today. 100s of hours of lost work 10-15 unresolved complaints of dishonesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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
Product: Debt collection

My account with XXXX  network was fulfilled. When I cancelled they are charging me an early termination fee. I spoke with XXXX and asked for them to send me a copy of my signed agreement. That I renewed. They have refused to sent agreement. I disputed the collection on my credit report but they arent removing it. I tried XXXX the reason why but havent been able to.
Product: Checking or savings account

Truist sent me a new debit card for my personal account ; however, I never received the card. I was the advised by XXXX XXXX XXXX XXXX of someone trying to acces my account at there XXXX XXXX location. Consequently, I checked all my account and found that there were transaction on one of my three Truist accounts ; though I did not and had not received the debit card for it. A police report has been filed. The matter was reported to Truist ; however, it denied the claim and failed to provide evidence to support its conclusion. XXXX XXXX is also investigating.