23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Late XXXX, I was notified that my Mortgage Servicer was being transferred from XXXX XXXX to Select Portfolio Servicing. I tried to pay my mortgage on XX/XX/XXXX to XXXX XXXX, but they stopped accepting payments on XX/XX/XXXX. I called Select Portfolio Servicing because I had not received any communications from them at that point. I needed to know that this transfer was valid, and not a scam. I asked them to send me documentation and a bill. They provided me with a new account number at that time. I did receive documentation, but still no bill. I was told that there would be no late fees within the first thirty days after the transfer. 

I started receiving phone calls ( but no message left ) around the XXXX from XXXX XXXX XXXX. Finally, they left a message idenifying themselves as Select Portfolio Servicing. I decided to log into their website and make a payment. When I logged in, I noticed on my dashboard a message indicating that I had opted for paperless billing, which is not true. I also noticed a statement that 'all online payments are subject to a {$15.00} 'processing fee '. 

I called them back the next day, and a woman insisted that I make the payment over the phone by check. She said that she would waive the {$15.00} fee for telephone payment. She claimed that I was not set up for paperless billing, despite the website advising me otherwise. I asked her, if this was so, why had no one sent me a bill for 19 days? How was I supposed to pay a bill I had not received. She explained that I could use telephone or online payment. 

I already have finincial problems due to COVID-19, and an extra {$15.00} is not acceptable ( and would still not be if I did not have financial concerns ). I pay all my bills online with no servicing fees, including the last 6 or 7 years with XXXX XXXX. 

This is unacceptable proce gouging i the best of times, but expecially now. Online bill payment is a modern convenience. I did receive a bill for my XXXX payment on XX/XX/XXXX, meaning it is impossible that I can get a payment to them via US Mail by XX/XX/XXXX. 

The fee is absordinate, simply put, and Select Portfolio Servicing has done a terrible job transitioning. How can you trust a company like that?
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXXXXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - we discovered a company has been charging us for monthly credit reports. 

Neither my wife nor I can ever recall signing up for a monthly credit report service. Yet we recently discovered that a company called XXXX and/or One Technologies, LLC of XXXX, Texas has been charging us a monthly fee of {$29.00} since the beginning of 2018 for it. However, a customer service agent we contacted verified that we have not been receiving them by mail or accessing them online. Even so, the company is refusing to refund our money which now amounts to {$290.00}. 

I believe XXXX/One Technologies is practicing " predatory '' sales practices and enrolling people, like us, unwittingly in some kind of a monthly credit report subscription plan. But it's a scam. XXXX and I wouldn't know what to do with a monthly credit report even if we had one. Please help us recover our money and stop them from doing this to other people. 

XX/XX/2018 - XXXX replied to my request for a full refund. 

REFUND STATUS XXXX, thank you for contacting XXXX Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2018 {$29.00} Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved XX/XX/2018 {$29.00} Not Approved The refund decision is based in part on how long the account has been active and the services provided. Important refund status information : APPROVED : The refund should post to your credit card or bank account within 3-5 business days. 
NOT APPROVED : The refund was not approved because you requested the refund after your communicated billing date.
Product: Credit reporting or other personal consumer reports

Attn : XXXX XXXX XXXX of THE DEPARTMENT OF EDUCATION Where no contrary evidence is offered or other evidence exists to create a reasonable doubt, an investigators unrebutted affidavit is XXXX XXXX evidence of public performance. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Pursuant 12 U.S.C. 411 Do you know what lawful money is? To my innerstanding Federal Reserve Notes, which are legal tender in the United States and are backed by full faith and credit of the United States ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate under the BANKRUPTY ACT of 1933 HOUSE JOINT RESOLUTION?

Does THE DEPARTMENT OF EDUCATION participate in T.I.L.A? 

My consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S. Congress enacted the Fair Credit Reporting Act in 1970 The FCRA was intended to address concerns over consumers previous inability to challenge errors in their credit reports, as well as a lack of privacy protections related to consumers credit information. 

Can they provide information on how to initiate an administrative appeal? 

How can I challenge decisions, seek clarification, or request a review of these cases/claims on my report? 

Can THE DEPARTMENT OF EDUCATION provide me with information about these alleged debts in question? Including the original creditor, the amount owed, and the dates of the " debts ''? 

Can and will THE DEPARTMENT OF EDUCATION provide documentation or evidence that establishes liability for these " debts ''? 

Can and will THE DEPARTMENT OF EDUCATION explain the basis for which i am responsible for this debt? 

What is the process for disputing the validity of these " debts '' and are there specific forms and or documents I can send in? 

Can you provide any information on any of the payments made? If so please provide documentation or records of these payments? 

What are the procedures for appealing or challenging these decisions regarding my liability for these alleged " debts ''? 

Can you provide information on the Statue of Limitations for collecting on the type debt in my state of Florida? 

Are there any errors or inaccuracies in the debt collection process that I should be aware of? 

What steps can I take to protect my rights and ensure fair treatment in resolving this " debt '' Is THE DEPARTMENT OF EDUCATION operating under the Bankruptcy Act of 1933? 

Would 18 U.S. Code 2073 and 2076 False Entries and reports of moneys or securities be applicable concerning this and officer failing to make returns or reports? 

How did the credit reporting agencies obtain my private and personal information regarding any of these alleged debts. 

For the record i do not dispute these alleged debts just seek clarification concerning them that the matter may be resolved in a lawful fashion.
Product: Money transfer, virtual currency, or money service

Using this service caused issues with in my account.
Product: Mortgage

Filed a complaint through the White House of the USA. Was assigned Case number : XXXX with your agency. 
Property address : XXXX XXXX XXXX, XXXX, IL XXXX The following response was received from the Company : " Response We have been unable to establish contact with XXXX XXXX to discuss this correspondence. We require additional time to complete our research regarding XXXX XXXX loan concerning the origination of the loan and retention option. XXXX XXXX XXXX, extension XXXX. '' XXXX XXXX is being less than honest. I spoke to XXXX XXXX on XXXX XXXX, 2015, for 17 minutes, at XXXX XXXX. He told me that he would have a response by XXXX XXXX. 

I received the above response on Thursday, XXXX XXXX, and XXXX XXXX left me a voice mail message on Thursday, XXXX XXXX, stating that your agency has given him until XXXX XXXX to respond. 

Given my experience with the modification process, this stall tactic has been well documented by agencies and customers nationally, and seems to be the standard. 

We would appreciate a response from the company, and we do appreciate your help in this matter. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure deposit my direct deposit from my employer and any other incoming deposits. Capital one has sited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

XXXX XXXX. I received an email from a collection company by the name of XXXX XXXX XXXX XXXX in behalf of XXXX XXXX XXXX. For an amount of XXXX. Upon further investigation and legal deligences, I filed a complaint with the XXXX XXXX XXXX and agree to have a conference in regards to revision of the Leasing agreement aging from XXXX fear of possible consequences to my credit history I started making payments on XXXX, the first payment been on XX/XX/XXXX - XXXX XXXX Upon, complete revision " XXXX XXXX decided in XXXX XXXX management with a revision. The committed, has removed the recovery fee charge of XXXX because there is nothing in the lease to support that charge. After the revision was made and with the other charges justified the resident owes the property {$750.00}. '' My most recent payment was on XX/XX/XXXX XXXX, having a remaining balance of XXXX, which payment XXXX make before XX/XX/XXXX. The charge amount by collection reflects a credit negative remark of {$990.00}, which amount is incorrect. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX, I called XXXX and TransUnion because there are XXXX accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called XXXX   and TransUnion, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, XXXX, and TransUnion. The letter to XXXX  was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to TransUnion was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from XXXX or TransUnion. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I selected a Chase offer for a hotel stay that I had upcoming in XXXX and booked a hotel using their card to redeem the Chase offer of a 10 % cash back for the stay. I completed my stay including making the credit card transaction to complete the payment on XX/XX/XXXX. The offer did not expire until XX/XX/XXXX. The payment was pending on my account and it was eventually posted on XX/XX/XXXX. The Chase offer had expired at this time so I called Chase on XX/XX/XXXX to ask about the offer since my transaction was completed on the XXXX, prior to the expiry of the offer. They asked me wait 14 days from the day of the transaction. So, I called again on XX/XX/XXXX since the offer was not redeemed and I was told that it would be escalated to higher level management. Since I did not receive any response and the offer was still not redeemed, I called again on XX/XX/XXXX at which I was told that a physical letter was mailed to me that the offer was not able to redeemed since it was posted after the XXXX even though the transaction date is listed as the XXXX. I have a paperless account with Chase in order to ensure all communications are sent to me via email and I did not receive any notification of this letter.
Product: Credit card

XX/XX/XXXX a credit card was opened in my name without my knowledge or consent. I got an alert from a credit bureau. I contacted Bank Of America and notified them of this and they still mailed out the card to the identity thief and the card was used several times. Continued to get alerts and updates from a credit reporting agency ( experian ) that purchases were continuously being made in my name with this Bank of America issued credit card. I then had to call back to Bank Of America to notify them of this and ask them to shut the card down. After that there were several successful attempts by the perpetrator 's to open credit lines and checking accounts in my name after me notifying Bank Of America by phone several times from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX 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 a account without my written instructions
Product: Debt collection

Regarding CFPB complaint number XXXX, on XX/XX/XXXX Credit Cntrl Corp claimed to have sent me written correspondence in response to my request for original creditor information. However, I did not receive any original creditor information or correspondence on XX/XX/XXXX. Also, I made my request for debt validation on XX/XX/XXXX. How could they have sent me the specific information that I asked for before I asked for it? 

CCC received my request for validation along with a cease and desist on XX/XX/XXXX. Yet CCC states their correspondence with me was on XX/XX/XXXX, meaning that they did not respond to the request they received on XX/XX/XXXX in a timely manner. 

CCC is quite literally admitting that they have failed to fulfill/acknowledge my request in a timely manner and by far exceeded the allowable 30-day time frame that the FDCPA provides in 15 USC 1692g ( b ).

CCC has violated 15 USC 1692c. I sent CCC a cease and desist demanding they stop contacting me through ANY AND ALL mediums. This includes my consumer report. CCC has been communicating with me through my consumer report consistently since I've sent my cease and desist. CCC never justified collection of a debt. I've included proof that they continue to update their account on my consumer report. 

XXXX XXXX
Product: Checking or savings account

I have problem with chime bank A unauthorized transaction made to my debit card and i didnt notice right away. Now on XX/XX/21 i filed a dispute telling them that the transaction unauthorized or fraud charge {$1500.00} but my claim was denied base on research no error Case close even my account was close My debit card info was compromise or stolen Claim id XXXX Date error reported XX/XX/21 Claim amount {$1500.00} Chime bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Experian regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed XXXX, XXXX and Experian that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : XXXX XXXX XXXX XXXX ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. 

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX, XXXX and Experian need to comply with the law.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to officially dispute the inaccurate listing of the name XXXX XXXX XXXX on my credit report. I seek your immediate attention to rectify this matter and ensure the accurate representation of my identity.

I have previously sent a dispute letter by mail, outlining the inaccuracies associated with the mentioned name and providing supporting documentation. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report.

Additionally, I have placed the supporting documents in the Consumer Financial Protection Bureau ( CFPB ) portal for your investigation. FCRA Section 611 ( a ) ( 3 ) requires consumer reporting agencies to consider all relevant information submitted by the consumer during the reinvestigation process.

As outlined in FCRA Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies must conduct a reasonable reinvestigation within 30 days upon receiving a dispute notice. Failure to initiate an investigation within this timeframe may result in the automatic deletion of the disputed information.

Enclosed with this letter is a copy of the supporting documentation sent via mail, reinforcing my identity and the inaccuracies associated with the name XXXX XXXX XXXX. I trust that this information, along with the documents in the CFPB portal, will expedite your investigation and ensure a swift resolution. 

I appreciate your attention to this matter and expect your prompt collaboration in rectifying these inaccuracies within the stipulated time frame.
Product: Credit card or prepaid card

I have been experiencing the effects of identity theft since 2015 when my wallet was stolen, along with my social security card, and license, and credit cards. All my personal information essentially. 

I noticed on my credit report recently an account " XXXX Delaware '' It shows that XXXX is due. This is not my credit card, i have not ever applied for a Barclay Credit card, nor did i even notice this account was on my reports. To top that off, it has now shown as derogatory " Charge Off ''. I tried to call XXXX Several times, i even advised them the last 3 times i have called that there is a mistake. This is not my credit card, i have not ever applied for a credit card with their company and that this was opened fraudulently. I advised them i want this removed immediately, as i have already reported this in my FTC Report as identity theft. 

The rep on the phone at Barclay customer service said she would transfer me to the fraud department, that there is nothing she can do. So she transferred me and i was on hold for another 10 minutes. The fraud rep comes on the phone verifies my name, social security number. Then says please hold i need to transfer you i can not assist you with this account. I advised the rep that this is what i am calling about THIS IS NOT MY ACCOUNT. I told her i have been experiencing identity theft and have proof that this is not mine, and then proceeded to even tell her i will send them the report from the FTC. She just told me she doesn't care and that they can't assist me. She then immediately transfers me to some collection agency, which told me to call XXXX back and that they would mark the account fraudulent but there is nothing they can do. 

So i need further assistance getting this removed from all three credit bureaus and also remove my liability from this card since i never opened a card with barclay ever.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. 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 Balance : {$0.00} XXXX XXXX XXXX XXXX : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}