23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Account : XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that I am requesting validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Specifically, I am requesting that you provide a copy of the original contract with my wet signature as evidence of the alleged debt. If you can not provide such documentation, you are required to immediately remove any and all negative marks from my credit reports ( including XXXX, XXXX, and Equifax ) related to this debt. 

Be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 USC 1692e ] and the Fair Credit Reporting Act ( FCRA ). Therefore, if you fail to validate this debt as required by law, you must request that all credit reporting agencies delete the entry from my credit file.

Pending the outcome of my investigation into any evidence that you may submit, you are instructed to take no further action that could be detrimental to my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please note that this notice is an attempt to correct your records. Any information you provide will be collected as evidence should any further legal action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Furthermore, if you are unable to provide the requested evidence ( the contract with my wet signature ), please submit a copy of this letter and all related correspondence to the Consumer Financial Protection Bureau ( CFPB ) portal, and ensure that any negative credit reporting is immediately removed.
Product: Money transfers

My complaint about this online remittance company  ( PNBWEBREMIT.COM )  is that they do not send a proof of delivery that would tell their customers that they actually sent the money. Also, they make it impossible for their customers to cancel a transaction.   Here are the details : I sent some money through https : //www.pnbwebremit.com o n  XX/XX/XXXX  .   Within an hour, I realized I had to cancel my transaction. I got the run-around. I called the number on their website (  XXXX  ) which directed me to another phone number. Then, upon reaching Customer Service, they said they could only cancel if I sent them an email. I sent an email to  three e mail addresses :   XXXX   XXXX   XXXX  ,  XXXX  XXXX  XXXX  and  XXXX  XXXX  XXXX . I received an out-of-office email fro m three emails . It 's been over 48 hours and they have not responded. Meanwhile, the money is underway and I could not cancel   the transaction.
To resolve my complaint and protect the US consumers, please require this company https : //www.pnbwebremit.com which appears to exist only online, to provide proof of delivery of the    money. Also, please require them to have a method to cancel financial transactions. Please require them also to display their email address and respond w ithin 8 hours. If it is so easy for them to take the consumers ' money online, they should make it easy for their cu stomers to retrieve their money.   To resolve this issue with PNBWEBREMIT.COM, I would like them to give me proof of delivery for each money transfer I have made during the years   XX/XX/XXXX and  XX/XX/XXXX .    Thank you very much.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$400.00} Open Date XX/XX/XXXX inquiries XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took over my identity in XXXX and I received no notifications via phone or mail because that person changed my personal information. I sent proof to all 3 credit bureaus showing my birth certificate, bills, ID card and social security card. Equifax and XXXX are refusing to remove 64 inquiries. I do not have a drivers license yet someone applied for numerous car loans. Someone applied for student loans in Kentucky. The address showing is South Carolina. I have never lived anywhere but California. I go to school at XXXX XXXX XXXX in XXXX Ca and need one class to graduate. I have only had one job at XXXX in XXXX XXXX. My credit score was 740-760 and I am getting married in XXXX with wrecked credit. Two cards have closed my accounts. I am very upset and do not understand why these credit bureaus are refusing to correct information that is obviously wrong and I have proved that I live in California. I believe they do not care. My name is XXXX XXXX XXXX and I also use XXXX XXXX XXXX XXXX I have lived at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX for over twenty years and I am XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX : # XXXX have violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Someone called me from a phone number that said Wells Fargo pretended to be a customer service representative inquiring about a transaction in my account via XXXX. Asked all the question a regular representative would ask. Coerce me into providing them the code that was texted to my phone. They then sent {$1000.00} from my checking account to one of my recipients. Then told me to just call the person and have them send it back it would be faster. While I was calling my friend the changed all of my information to intercede my money when ah wasn't it back. I immediately notified Wells Fargo and they told me that there was nothing they could do. I lost a {$1000.00}. I closed my checking and savings account I had with them for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted 3 letters to three different debt collectors concerning my debt and they have not response nor deleted the items from my credit report. The first letters went out onXX/XX/XXXX..XXXX XXXX   XXXX  XXXX..certification number is XXXX ... ... ... next was Transunion ... XXXX ... ..XXXX  XXXX ... ..XXXX XXXX ( 2 ) ... XXXX..no response and sent the next set of letters on XX/XX/XXXX ... XXXX XXXX..XXXX  ... XXXX XXXX ( 2 ) ..XXXX ... XXXX XXXX   XXXX XXXX..XXXX ... no response.they have violated the law by not responding within the 30 days and actions should be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account number ending in XXXX, XXXXXXXX XXXX XXXX  : Account number XXXX XXXX XXXX has violated my rights. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

i had a mortage with loan care loan number XXXX phone number XXXX or XXXX the loan was paid out on XXXX i sold the house loan care report to credit agency that i took out from them forerance plan which i never did due covid 19 and now i am applying for a refiance and the credit agency now got report from loan care that i apply for forberance plan which i never did now underwriting for my refiance is telling they need letter from loan care that i never apply for a forbarance plan which i need to go foward under covid forbarance plan no bank should never report to the credit agency thanks XXXX XXXX XXXX sunny day way XXXX fl XXXX phone XXXX
Product: Credit reporting or other personal consumer reports

These inquires are not my inquires. Please remove them. Ive attached my 609 letter. As well as other info
Product: Credit card or prepaid card

Platinum Credit Card wit h Capital One,  last  XXXX  numbers are  XXXX . Card was closed by me  XXXX   XXXX ,    2016  - one year to the date of opening the account. I have paid monthly since  XXXX   XXXX , as I did since the first payment due.     Credit Card credit line was for {$2500.00}. In paying on the accou nt for one year, the account shows a balance of {$2200.00} even though I have paid either the balance due of {$72.00} or $  XXXX  monthly. When I make the payment ( s )  on the  XXXX  or  XXXX  of the month, wit hin 2 w eeks I receive an email that the current balance is HIGHER than what I paid.     The interest rate is a variable ra te. Capital One refuses to lower the interest rate. Their Customer Service Representatives put it back on  me the Customer to pay more and/or before amount due OR .... no other alternative.      UNFAIR Business  Practices that are set up for failure for the Customer.
Product: Money transfer, virtual currency, or money service

Identity Theft Victim. An unknown person used and obtained credentials on Paypal using linked credit Cards to bypass the system, create an account, and make purchases totaling {$3500.00}. My only account on PayPal is XXXX. Someone stole my info from PayPal and got access to my cards on their system. Terrible service to have your cards on. I would like my money refunded from the hacker 's account. I have already filed a police report and spoken to PayPal but their customer service team does not speak English and will not help me solve the issue. These transactions are unauthorized.
Product: Checking or savings account

Capital One bank has changed its Bill Pay system for its checking account and taken away many user-friendly features from previous Bill-Pay system. This new Bill Pay system was forced on the consumer with no opt-in or opt-out option. Furthermore, there was no consumer training, or any prior notice or communications for changes to Bill Pay. This was forced on the consumer by the Capital One bank leaving no choice.

For example, the following features and capabilities were all eliminated with its new Bill Pay system. 

( 1 ) consumer can not see all of their bills in one screen anymore. Each bill needs to be expanded individually wasting more consumer time.

( 2 ) The auto-pay bill interfaces that were established previously were all broken. Bank has put the burden on the consumer to reestablish those interfaces.

( 3 ) Historical bill payment information is lost, hidden or not easily available.

( 4 ) Consumer has to select one-bill at a time to search and pay.

( 5 ) The Bill Pay interface is cumbersome to use and not user-friendly.

Additionally, There is no phone number for live agent on their bank account website to call. There is chatbot available that is useless and provides wrong answers most of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies letting them know the inquiries and the documents included below are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX 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 XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/2021 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 or other personal consumer reports

I have settled my debts and have paid them off with Affirm. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
Product: Mortgage

I have requested a modification on my 1st and 2nd mortgage which are interest only loan. I received 1st and 2nd modification agreement from Caliber Home Loans that limited-term loan modification that are not good terms for a modification and they are only good fro 1 yr where the payments will reflect a estimated payment based on the terms of an adjusted rate loan which will be higher which will give me a new monthly principal and interest payment, This is not a good modification agreement and it will put me in a worse position then I am already in,
Product: Credit reporting or other personal consumer reports

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

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX, I took advantage of Chase 's {$5500.00} balance transfer offer, unaware that interest would accumulate on new transactions from day one. Seeking clarity, I contacted Chase customer support, who advised me to pay off any new transactions as soon as they were posted to my account to avoid interest charges. Trusting this guidance, I promptly settled any outstanding balances, excluding the transferred amount. 

In the subsequent billing cycle, I made approximately {$1800.00} in purchases, adhering to the representative 's instructions by paying them off immediately upon posting. However, to my surprise, I incurred a {$30.00} interest charge on my XXXX statement closure. Upon querying this discrepancy, I was informed by Chase that payments could only be made after statement generation, contradicting their prior advice. 

Acknowledging my initial oversight of the balance transfer terms, I settled the {$30.00} interest charge. Nevertheless, I anticipated exemption from interest on subsequent transactions, given my commitment to prompt payment. Despite my efforts, a {$20.00} interest charge appeared on my XXXX statement, prompting another unsuccessful appeal to Chase for waiver, even after escalation to a supervisor named XXXX, whose response was unhelpful and discourteous. 

Consequently, I've paid {$30.00} in interest charges and an additional {$1800.00} towards the balance transfer amount, alongside a {$270.00} balance transfer fee. As a longstanding Chase Sapphire Reserve customer with a history of full balance payment, I find myself in this predicament due to convoluted terms and misinformation from Chase representatives. 

I believe in fairness and accountability, thus initially assuming responsibility for the interest charges. However, I find it unjust to bear the burden of subsequent charges, as they stem from erroneous guidance provided by Chase. Had I been correctly informed, I would have refrained from further transactions until clearing the balance transfer offer. 

In light of this, I respectfully request assistance from the Consumer Financial Protection Bureau ( CFPB ) to rectify this situation.
Product: Checking or savings account

We purchased a Fixed Rate Certificate on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX   XXXX XXXX from their branch in XXXX XXXX, CA. It was to have matured on XX/XX/XXXX. We never closed this account. XXXX XXXX was subsequently purchased by XXXX XXXX, now Popular Bank. In the intervening years we moved out of state and then back to CA. The deposit book has recently surfaced. I have called Popular Bank and they could not help me locate these funds. In talking with the the CFPB I was directed to fill out the complaint form.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I did not consent to.
Product: Debt collection

A townhome had been rented from " XXXX XXXX '' by myself and XXXX other parties. After move out, we had assumed everything had gone smoothly, until 6 months later a collections company sent us a letter requesting repayment for carpet replacement. The " XXXX XXXX '' never contacted us at our new addresses concerning carpet problems. We filed a an official dispute with the FMS Financial Solutions per the letter and corresponding attachments, because both the claim that the carpet was damaged, and the value for which we were being billed was incorrect. Due to the legally binding documents signed by both parties ( Attached ). In fact, they had attempted to bill was for several XXXX dollars over the cost of the carpet replacement ( invoice attached ), against both the signed document and Maryland Law. The value was corrected, and although they still claimed damage to the carpet, we paid to be done with the matter, however now it appeared on my credit, which should never have happened given the aforementioned and attached communications, which verifies that the original debt claimed for collection was billed incorrectly, and against the both Maryland Law, and the signed document between us as tenants, and XXXX XXXX as the landlord.
Product: Mortgage

I have a VA Mortgage loan with Loan Depot. I reinfinaced with them in XXXX of 2020. I sent in a payment of XXXX through my bank, XXXX, on XX/XX/2020. I received an email from Loan Depot it was received on XX/XX/2020. However, it was never applied to my loan. I also sent in another payment in XXXX which was applied to my loan and balance, but the first was was not. 
I have called loan depot over 8 timesand sent over 5 secured messages to them about the situation. No one can tell me how to get this fixed or apply my payment they have to my loan. I also faxed in proof of payment from XXXX on XX/XX/2020. I have not heard anything back. I want them to respond and apply payment. 
Loan is XXXX. My name is XXXX XXXX. It is a VA loan through Loan Depot
Product: Student loan

Great Lakes sold my student loans to Nelnet. I have asked Nelnet to validate my debt with a validation of debt letter that was mailed around XX/XX/23. They responded email on XX/XX/23 that they would validate the debt within 30 days threw the mail. No letter was received 30 days later and have since not validated my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit report and saw some fraudulent activity on it ( inquiries ) on the 3 credit bureaus so I sent them my ftc report and nothing never happened.