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

I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XXXX, XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XXXX, XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a real estate investor with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month  after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Product: Mortgage

On 3 separate occasions Wells Fargo sent a 3rd party company to call on my tenants in my rental building advising them that the property was going into foreclosure. I have been advised by legal counsel that this is illegal activity and that Federal Law prevents a lender from such practices. Furthermore, this is absolutely not true - foreclosure proceedings have not begun on this property, confirmed by Wells Fargo. Wells Fargo is in XXXX position with this equity line. The first occasion was to my XXXX floor tenants XX/XX/XXXX, XX/XX/XXXX. The gentleman advised them that he was representing Wells Fargo and that this property was going into foreclosure. They took a picture of him. 

The second incident was to my XXXX floor tenants, XXXX XXXX, 2015 and they returned there again on XXXX XXXX, 2015. On XXXX XXXX the gentleman said, " I 'm not supposed to tell you this but you might want to know that your property is in foreclosure. ''
Product: Credit reporting or other personal consumer reports

There are XXXX XXXX  day Late payments reported to my gm financial account in XX/XX/year> and XXXX XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Student loan

I completed my XXXX XXXX on XX/XX/2023 and it was processed and sent to Nelnet for review on XX/XX/2023. I have called several times and they still say that it is still being reviewed. They can never give me a timeframe and while they delay my interests continue to go up. I do not feel I should change money for Nelnet to review my application. They had over XXXX years to fix their problem and they have not done anything. Please help and thank you!
Product: Credit card or prepaid card

My name is XXXX XXXX. I was on my credit report earlier, checking on my student loans, and I came across a credit card JMPCB with {$140.00} balance. It says it was a Chase Credit Card so I called Chase and they dont even have a record. 
I did NOT open a credit card with chase, I only have an open XXXX  XXXX card. 

I am very concerned and need to know who did this and how to get it off.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have a big complaint against TransUnion credit bureau. This agency is been lowering my credit tremendously ( XXXX points or more ) without any valid reason since my payments are on time and I don't have any past due or over the limit accounts. Every time that I called them I was told that they do this automatically and there is not one to talk. I would really like to know why they are doing that because every time that they do this is when my credit score is about to increase, and instead of doesn't increase because they lower it too low.
Product: Debt collection

XXXX XXXX XXXX I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the __ _________________
Product: Student loan

Apparently the settlement resulting from their XX/XX/XXXX A lawsuit was n't enough for XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ). Although the school was forced to pay out approximately {>= $1,000,000} in settlement for complaints leading all the way back to XX/XX/XXXX, it apparently did n't have any impact on XXXX. More recent lawsuits have been filed against XXXX XXXX as well as against lender Sallie Mae by former students who claim that hidden fees suddenly appeared on their loans after their terms changed without their agreement. One such former student stated he found that his already ridiculous loan totally XX/XX/XXXX had ballooned to over {$220000.00} when it defaulted and he became aware of the hidden terms and their changes in addition to unreasonable debt collection fees by collectors. 

Students were led to believe that they were pretty well guaranteed jobs upon graduation and students could expect to earn between $ XXXX-XXXX per year. Considering the median salary for waged photographers is more like {$25000.00} per year and that XXXX has a XXXX dropout rate, this was proven to be highly unlikely a result for graduates. XXXX also requires that students begin paying back their loans for tuition within 6 months of walking in the door. This means students going to school full time have to come up with loan payments on tuition of {$25000.00} per year while still attending and is contrary to the industry standard. Most schools defer loan payments until students have graduated and are out of the program for 6 months. While some individuals state this is in the fine print somewhere, for low-income students, many of which are the first in their family to attend university, the fine print was missed if it did exist. 

Investigators discovered that contrary to what XXXX was stating about their job placement and salary expectations, not one graduate from the program was even earning {$50000.00} per year, let alone anything beyond the lower amount. XXXX jobs paying those substantial figures involve additional skills like journalism or communications, business savvy, and connections to get. 

With XXXX XXXX signing up hundreds of XXXX students per year in a job market that does n't require that many placements, how on earth did they expect all these students to find jobs. Many graduating students found that the XXXX jobs they could get were the generic type at XXXX or XXXX XXXX centers, earned not much beyond minimum wage, and did n't require a degree in XXXX. Flooding the field with hundreds of graduates per year was unlikely to improve those job prospects any ... if the students managed to graduate that is. 

This school remains open and offers the identical classes, still has seriously overpriced tuition, and XXXX % or higher job placement success rates. Tuition for similar programs at community colleges and universities is generally less than half the price than this bloated school and its promises.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am submitting this complaint with my own free will. Please review the attached documents to assist with my complaint.
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I always check my report regularly, but today I was shocked to see discrepancies out of nowhere. I even tried refreshing the page, hoping it was a glitch, but nothing changed. The wrong accounts stayed there no matter what I did. Because of this, Im urgently asking that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies. 
Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, XXXX, and Equifax ) XXXX These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date. 
Discrepancies in Account Details : High Credit : XXXX and XXXX report {$1400.00}, while Equifax incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors. 
Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information. 
Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies. 
Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm a Chase small business account holder, twice actually, and use their payment processing service. XX/XX/XXXX I did a card transaction for {$750.00} and then like two days later I noticed it still hadnt come to my account. 

I then get an email from WePay and they are like weve shut down your account and wont be releasing funds for 120 days due to this account having frequent chargebacks and refunds. 

Ive never had a chargeback or refund from this account or the account prior. Ive been trying to get into someone at WePay via phone to get someone to explain to me what happened and how do I get my funds and all the email responses I get back are you can appeal ( which Ive done 3 times ) and still no action or any help with this at all. Meanwhile Im out of {$750.00} not to mention I cant take any card payments at all, XXXX ( which is the sole reason I chose Chase as a business bank ) and this has been a nightmare of an experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that XXXX, XXXX  and Experian investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Product: Mortgage

I am writing to express my deep dissatisfaction with the handling of my mortgage account by US Bank. Over the past several weeks, I have encountered significant challenges and delays in the removal of an informal forbearance that I had previously requested. This matter has not only caused undue stress and frustration but has also placed me in a compromising situation as I am pursuing a home equity line of credit with another lender. 

Several months ago, I initiated an informal forbearance with US Bank due to unforeseen financial difficulties. However, when my situation improved, I promptly submitted a written request to have the forbearance status removed from my account. Despite multiple requests and assurances from US Bank representatives, this process has been egregiously mishandled. I have consistently been told that the removal was " in process '' and that it would take 3-5 days to finalize. Regrettably, this timeline has repeatedly proven to be inaccurate, and the requested removal has not been executed as promised. 

As I am currently in the process of obtaining a home equity loan from another lender, the presence of the forbearance status on my account is causing detrimental delays and potential financial repercussions. I have made every effort to comply with the requirements of the home equity loan application, including bringing my mortgage account current. Despite these efforts, the fact that US Bank has not removed the forbearance status is impeding my progress and jeopardizing my chances of securing the loan. 

The continued mishandling of my request and the subsequent delays have caused me to lose confidence in US Bank 's ability to manage my mortgage account effectively. I am perplexed by the persistent delays and lack of accountability on the part of the bank. It is disheartening to have to invest my valuable time and resources in multiple follow-up calls and requests for a seemingly straightforward matter. 

Moreover, the prolonged nature of this issue is now putting me at risk of losing the opportunity to secure the home equity loan I am pursuing. This potential loss would not only disrupt my financial plans but also result in additional charges and fees. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that US Bank promptly removes the forbearance status from my account and provides me with the necessary documentation, such as the requested exit letter. I believe that the bank 's handling of this issue is both unreasonable and detrimental to my financial well-being. 

I appreciate your attention to this matter and look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX if further information is required. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA NXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card or prepaid card

To whom it may concern, I hired a company called moving staffers for a recent move. I canceled their services within the terms of the contract to receive a refund. They refunded me and then tried to slip charges by me after the fact. I disputed with Capital One. Capital one credited my account. Then reversed the credit. 

The lack of continuity in the process has hurt my credit because the balance on my credit card is going up and down a dramatic amount. These charges by moving staffers are fraudulent and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed items on my credit report with Transunion after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Transunion never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )
Product: Debt collection

My XXXX yo mother died during XXXX on XX/XX/XXXX. Since I handled her bills which were in my name or jointly hers and my name, we canceled her lease and canceled all of her utilities, phone, cable, etc in XX/XX/XXXX. In XXXX I received a debt collection notice from XXXX XXXX and I explained that her last XXXX  XXXX bill had been paid and the account closed so we did not owe the {$2400.00} bill they were collecting on behalf of XXXX  XXXX. That said fine and that they would contact XXXX  XXXX. Now once again I have received a notice of debt for the same amount from XXXX XXXX XXXX. They have put the account in dispute since a new tenant moved into the apartment at XXXX XXXX XXXX, XXXX, NY XXXX and fraudulently utilized XXXX XXXX services under my name, XXXX XXXX.
Product: Credit card

Re : TDRCSXXXX ; Amount : {$1400.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ).

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : TdrcsXXXX Please note that New York City Administrative Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection