23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have an account with XXXX XXXX and use their Bill Pay service. I erroneously mistypee a payment to my XXXX account instead of my Mortgage account. I called XXXX upon discovering the error and they called their bank ( Union Bank ) to refuse th epayment and trigger a refund. The sum was for {$40000.00} ( inteded for a mortgage baloon payment ). THe payment was on XXXX/XXXX/2015. I created an incident from my bank and was promised immediate refund and still have not seen the payment. I am concerned by the callousness of the bank and would like to report this as a fraud upon consumers. The call I placed was in bureaucratise declined because it was the business of the operations department. 
This references the payment from XXXX XXXX : XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX Our research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
XXXX XXXX, 2015 Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015 Dear XXXX XXXX : XXXX Update for your Bill Pay claim **************************** We are writing to update you with the current status of your claim referenced above. We are committed to addressing your concerns. 

XXXX XXXX research ************ As part of our claims process, we are required to determine if there was any error on our part in the processing of this payment. Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. You have the right to request copies of documents we used to make our determination. To request copies of the documents, please contact us using the methods below, and have your claim number XXXX available. 
Claim : XXXX Payee Name : XXXX XXXX XXXX. 
Payment Amount : {$40000.00} Payment Reference No : XXXX Schedule Date : XXXX XXXX, 2015The payment is with XXXX ( by Union Bank XXXX XXXX XXXX
Product: Student loan

MY FEDERAL STUDENT LOANS WERE FORGIVEN IN XXXX OF 2022. THEY ARE STILL CURRENTLY REPORTING ON MY TRADELINES AS BEING OPEN AND UNPAID. I AM REQUESTING HELP THAT FEDLOAN SERVICING REPORT MY BALANCES AS PAID IN FULL AS THEY ARE NO REPORTING ACCURATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX has refused to provide proof of ownership of collections account XXXX XXXX who obtained MEDICAL records or bills from consumer XXXX XXXX. Also listing INOPERABLE addresses which now causes myself XXXX XXXX XXXX to be at a loss on obtaining credit reports and new credit. Pursuant to section Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act XXXX has either REFUSED or CAN NOT provide proof of DEBT. XXXX XXXX has provided a LEGAL lease agreement via upload on XXXX website. As the fair credit law states if not provided each CREDIT bureau is liable up to {$1000.00} per offense, they asked for response in writing which I have provided here on CFPB.com several times in past and to XXXX AND THE OTHER 2 MAJOR CREDIT BUREAUS at home addresses which are always IGNORED. Copy of my identification was already sent in the LAST round of CFPB complaints in year 2021. I will upload lease again so they can see WHERE the litigation will come from and WHERE to send the check for these major violations!
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 XXXX credit bureaus was dated XXXX 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 they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX XXXX  Case Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Case Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The attached Document listed with the accounts that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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. 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The company nor my bank institution was ever helpful with these disputes.
Product: Mortgage

PHH Mortgage is charging a {$7300.00} inspection fee which never took place and there is no documentation of this fraudulent assessed expense. PHH Mortgage will not allow an accurate pay off quote and payment Information. When called, we are getting non compliance and payments are not being applied to this account. 
We suspect PHH is committing inappropriate activities which the company has been accused of in XXXX XXXX and recently settled a case in XX/XX/XXXX. 

1. Offered for settlement {$8600.00} Owed {$8600.00} 2. Principal {$570.00} 3. Interest {$100.00} 4. Total Payment {$680.00} What PHH Wants 1. Monthly Payment Of {$17000.00} 2. Fraudulent Inspection Fee Of {$7300.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am another victim of the Equifax security breach. Due to their inadequate security measures, myself and millions of others were placed at unnecessary risk. Additionally, I was not notified of the breach by Equifax and had to do my own research to determine whether I was affected. Now, in order to keep myself safe, I will have to pay them to freeze my credit profile and then pay them again any time I want it temporarily unfrozen. Finally, Equifax attempted to surreptitiously trick myself and all other affected consumers into waiving their rights to a lawsuit by planting an arbitration clause in the terms of service of the identity protection they offered in the wake of this breach.
Product: Debt collection

I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after XXXX days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continues to violate my rights and the Federal Law.
Product: Mortgage

See attached documents for a XXXX scam perpetrated on the owner at the property located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX You have many documents pertaining to the same issue. they continue to steal a home that doesn't belong to any of them, based on the Constitution and the Bill of Rights of the united States of America, the Republic for which this country stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late.XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.
Product: Debt collection

Subject : Complaint Against Jefferson Capital Systems for Improper Debt Reporting and Lack of Notification To Whom It May Concern, I am writing to submit a formal complaint against Jefferson Capital Systems ( hereinafter referred to as " Jefferson '' ) regarding their actions that have resulted in significant harm to my credit score and financial standing. 

I have recently discovered on XX/XX/year> that Jefferson has placed a debt on my credit report for {$1700.00} that had been previously removed. This unexpected action has led to a drastic decrease in my credit score by XXXX points. To make matters worse, I have received absolutely no communication from Jefferson about this debt being added to my report ; no letter, email, or phone call was made to inform me of this significant change. 

As a direct consequence of Jefferson 's reporting, my XXXX XXXX limit was abruptly reduced from {$8000.00} to {$650.00}, which has further damaged my credit score and undermined my financial stability. This reduction in credit limit without prior notice or justification is a severe blow to my financial planning and creditworthiness. 

The lack of notification from Jefferson Capital Systems about the addition of this debt is not only distressing but also appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The FDCPA requires that a debt collector must send a written notice with information about the debt within five days after the first initial communication. Since I have not received any such communication, it is clear that Jefferson has not adhered to these legal requirements. 

Furthermore, I believe that the reinsertion of a previously removed debt raises questions about the validity and verification of the debt itself, which is a right protected under the FCRA. Without proper notification and validation of this debt, I am left unable to exercise my rights to dispute or manage this debt. I have spoken with my attorney who is happy to start a lawsuit with the company if the matter isnt solved. 

Thank you for your attention to this urgent matter.
Product: Debt collection

Received a collection notice from XXXX XXXX in regards to a XXXX bill that was not owed due to no contract with XXXX or XXXX. Debt was disputed to XXXX XXXX and even though the consumer Financial Protection Bureau # XXXX. Debt was resolved and account was closed. XXXX XXXX later forwarded this debt to ANOTHER collection agency : CBE Group , inc. which they are now attempting to collect the debt not owen under CS # XXXX. This debt is not valid and in violation of the fair debt collection practices act
Product: Credit reporting, credit repair services, or other personal consumer reports

These fake inquiries are not mine. So please remove them as soon as possible and make investigation. Thank you
Product: Checking or savings account

On XX/XX/2023 I received a bank statement in the mail that I had no acknowledge that were opened. I contacted Suncoast Credit Union XX/XX/2023 about the bank statement I received. I spoke with a gentleman that made me feel like it's my fault that someone had opened an account in my name. When I tried to explain the situation his answer to me that I had to give someone my information in order for an account to be opened in my name. I were promised that day I would be receiving a packet in the mail to get this resolved. I want to make a police report in my county about this situation. On XX/XX/XXXX I received an call from the detective asking me if I still wanted to make that report and had I received the information from the bank. Immediately after that call I called the bank again wanted to know why I havent gotten the packet in the mail. I explained I'm in XXXX, FL there is not a bank in this area and were told that someone opened this account online. Like I told her I know that they can track that computer IP address in where this account were open to know that this account were opened fraudulently. I were told I had to send this packet back. I asked for an supervisor to call me because at this point I've been trying to get this bank to send me this packet. I just received another letter in the mail dated XX/XX/XXXX that my account were overdrawn for more than 60 days and I need to make payment. This bank have known that this account was fraudulent since XX/XX/XXXX and still trying to make this mine when they have already been advised that the account is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several negative items listed on my credit report. I recently obtained a copy of my credit report and found multiple inaccuracies that are negatively impacting my credit score. Below, I have provided details regarding each item and the reasons for my dispute. 

XXXX XXXX  Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove the incorrect late payments from this account, as you can not report this account as updated when nothing has been changed. The same incorrect information is still being reported and nothing has been updated. 

XXXX. Unknown Accounts : I have never had any business relationship with the following companies, and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : 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 Inaccurate Information : There is no record in my possession that the following accounts belong to me. You must remove this inaccurate information from my credit report without any delay : 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 Please investigate these matters promptly and remove any inaccurate information from my credit report. I kindly request a written confirmation of the completion of these actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX  I inquired about obtaining a student loan from Sallie Mae but when I applied, a co-signer was requested. I contact Sallie Mae by phone and was told that I did need a co-signer but after 6 months of payments, I could request this person to be removed. It was never implied that I would need to some how qualify by myself or that there was a stipulation to have my co-signer removed other than making 6 months of payments. I have moved forward with asking my uncle to co-sign for me with the information provided by the Sallie Mae representative and he agreed. I have acquired a large student loan and have now been told that I will have to qualify for the loan on my own to have him removed. I believe that these tactics were used to pursue me to acquire this loan when the there were extensive stipulation required to get a co-signer removed. This liability of the loan for my cosigner is not what he agreed upon which I feel like is unfair for the borrowers. This situation has been a notable tactic mentioned in other litigations and their deceit towards borrowers continues. 

In addition, my cosigner had an incredibly high credit score but my interest rate terms were 14 %. While I accepted these terms in order to pursue my Degree in XXXX, I feel like they are predatory and unmanageable. I believe that Sallie Mae is setting interest rates based on financial gain rather than credit score.
Product: Credit card or prepaid card

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, Capital One, XXXX XXXX, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX XXXX me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had XXXX missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I recently applied to a Chase Sapphire XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase Sapphire XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.