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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

On approximately five occasion I have opened up billing disputes with Amex regarding a {$110.00} charge that was mistakenly applied to my account. The charge originates from XXXX and XXXX XXXX XXXX. I did not make the reservation. I did not stay at the hotel. I should not have been billed. Amex refuses to refund my money without explanation.
Product: Prepaid card

I live in California and my middle class tax refund has been delayed for over a year and a half. The California Franchise Tax Board manually put in for the payment at the end of XXXX. They sent the money off to Money Network to disperse on a card. I was told it would take twelve weeks to receive it. It will be 12 weeks on the XXXX XXXX XXXX and I haven't received the card yet. I tried calling Money Network and they can't identify me through my social security number and zip code. It keeps saying that they have no history of my account. I tried to get ahold of their customer service but because they can't identify an account with my information their system won't send me to a live person to help me. I called California Franchise Tax Board back and they said they can't reissue the payment so it's up to Money Network to pay me. California Franchise Tax Board delayed issuing my payment and now I feel like I'm stuck in limbo while I am owed XXXX dollars. I just want to be paid.
Product: Student loan

I am in school working on completing my XXXX. I started the program in XX/XX/XXXX and still working on my Dissertation. However, I received a letter in the mail from Navient dated XX/XX/XXXX stating that my in-school deferment will expire in XX/XX/XXXX. So, I called Navient to inquire thinking that I had received a scam letter. The phone tech stated that the letter was legitimate and that the in-school deferment for a private loan with Navient is 48 months -- yes 48 months. The phone tech proceeded to explain that the loan deferment will be up on XX/XX/XXXX and that the payment will become due on XX/XX/XXXX even though I am still in school. I am not aware of any new educational law change regarding student loans, and I have not reached 48 months in-school deferment. I am not sure what is going on with Navient.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Portfolio Recovery Associates LLC for failing to provide validation of a debt that they claim I owe. I requested verification of this debt on XX/XX/year>, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : Portfolio Recovery Associates LLC XXXX XXXX : XXXX XXXX XXXX XXXX, VA XXXX Debt Information : Debt Amount : {$370.00} Original Creditor : Portfolio Recovery Associates LLC Account Number : XXXX My Request for Debt XXXX On XX/XX/year>, I sent a debt validation request to Portfolio Recovery Associates LLC , asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ).

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Portfolio Recovery Associates LLC has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with Portfolio Recovery Associates LLC, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that Portfolio Recovery Associates LLC complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX regarding a fraudulent account that has been reported on my credit report. I am a victim of XXXX XXXX  and this fraudulent activity is part of the ongoing harm caused by my XXXX. Despite my efforts to resolve this issue directly with XXXX XXXX, the fraudulent information remains on my credit report and continues to negatively affect my credit score and overall financial situation. 

As a victim of XXXX XXXX XXXX am entitled to certain protections under the Victims of XXXX  and Violence Protection Act ( TVPA ), specifically under 18 U.S.C. 1593A, which offers legal protections and assistance for victims of XXXX, including addressing issues like identity theft, fraud, and other financial harm caused by XXXX-related activities. Additionally, 18 U.S.C. 605C provides protections related to fraud, including the misuse of personal information for financial gain, such as in identity theft cases. 

I contacted XXXX XXXX on Thursday XXXX XXXX and provided them with the necessary documentation to demonstrate that the account was opened without my consent. Despite my repeated requests for a thorough investigation, XXXX XXXX has failed to remove the fraudulent account from my credit report or provide sufficient evidence proving that the account was opened with my authorization.
Product: Mortgage

I have not received my 2021 Form 1098 Mortgage Interest statements showing the amount of taxes and interest paid, and the final regular monthly statement for 2021 showing the amount of insurance premiums paid. I am unable to find them on the " Fay Servicing '' company portal and the company phone service is unable to help me.
Product: Credit card

Received an an email regarding renewal. I asked for cancellation of account but was charged renewal fee of {$140.00}. Received email explaining account was closed, however my credit was still billed. I have other accounts with Citi and have always paid on time. I am requesting a credit to be issued to my account.
Product: Credit card or prepaid card

I am experiencing an issue where Chase Bank is not fulfilling their obligations regarding transaction disputes and Visa network rules. I experienced a problem with a deceptive travel website and after I was charged, immediately called the merchant to let them know of the mistake and demand a refund. They refused, so a filed a dispute with Chase. They have denied my dispute and refuse to take any action, even though the practices I experienced with deceptive and misleading. Here is the information I provided to Chase : Dear Sir or Madam : As I indicated on the enclosed form, I do wish to continue with the dispute process. I believe the website design used by the merchant is deceptive and misleading to consumers. Also, I believe that even a reservation disclosed as non-refundable should be able to be cancelled if due to a typo or honest mistake and addressed immediately. It is unreasonable and unethical to refuse to honor an immediate cancellation for a misunderstanding caused by a misleading website. 
Here are additional details regarding the scenario for your reference : - On the date of the charge, I was searching for hotel rooms using several travel sites, including XXXX. My date of travel was approximately one week away. 
- I noticed that the default date search range was for two weeks out, past my intended travel date. Naturally, I changed the search parameters to meet my intended travel date and browed several results, read reviews, etc. 
- I did the same at several travel sites simultaneously. I never closed out my XXXX browser window. 
- Back on the XXXX site, I navigated back to the search results, picked a property and made the reservation, paying little attention to the dates selected, as I had changed them already. I was not aware that the behavior of the XXXX website discards your selection and changes their dates to make prices appear more favorable. This is a deceptive, unethical practice. 
- As soon as I received my email confirmation, I noticed the error and immediately called XXXX. This happened in less than 5 minutes after the reservation. They claimed they would negotiate with the hotel to cancel the reservation. I do not know what they actually did, but when getting back to me, they told me they were not successful and I could not get a refund. They offered to move my reservation for a substantial increase in price. I declined. 
A website may attempt to claim and enforce unenforceable terms and conditions, however I did not agree to this practice and there was no meeting of the minds. 
Thank you for your consideration and help in this matter.
Product: Student loan

XX/XX/XXXX, I requested a student loan consolidation with NelNet XXXX XXXX XXXX. XX/XX/XXXX the consolidation was said to be updated and completed. This update reflected with XXXX and XXXX. However, XXXX reported my consolidated debt of {$47000.00} and also the accts that were to be consolidated, which also totaled {$47000.00}, to appear that I have a total of {$94000.00} in debt with NelNet/ XXXX XXXX XXXX . I began to reach out to both XXXX and Nelnet and both gave conflicting information. Nelnet would tell me that they have sent an update to XXXX to reflect that all individual accounts were consolidated but XXXX would state that they have not received any information from Nelnet. 

Now, XX/XX/XXXX all three bureaus are shows duplicate debts owed as the accounts that were once closed and consolidated are now showing open again. This process is costing my children and I shelter as we can NOT finding suitable housing to live because of this issue. 

Nelnet has made false promises over and over again to resolve issue but yet have done so. I have pleaded with them to correct this issue and have explained that because of their error my family and I are now XXXX. 

No one has helped and this is become emotionally unhealthy for me and my children. 

I am demanding that they remove all closed accounts permanently from all three credit bureaus as they have failed to properly update. 

WE ARE XXXX DUE TO THE NEGLIGENCE OF NELNET/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I asked for a investigation on these inquires because I did not inquire these. I asked for a sign contract so I can show on my license proving it don't match. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> Carmax- XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt collector has furnish deceptive forms in an attempt to foreclose on my home. We are currently awaiting trial XX/XX/XXXX. ( Complaint Attached ) At the very bottom of the Verification page it states " Pursuant to the Fair Debt Collections Practices Act you are advised that this office may be deemed a debt collector and any information obtained may be used for that purpose. Debt collector has filed a complaint to foreclose in violation of 15 U.S.C. 1692 i / and 15U.S.C. 1692 j furnishing deceptive forms to do so. Case number : XXXX IN THE CIRCUIT OF THE XXXX XXXX XXXX IN AND FOR XXXX COUNTY XXXX FLORIDA XXXX I am filing this complaint along with a motion for summary judgement in the state court. The debt collector has violated state and federal laws. Bayview Loan Servicing filed the complaint in court. Bayview Loan Servicing changed its to name to Community Loan Servicing. It's counsel is XXXX XXXX XXXX whom also is a debt collector. Bayview Loan Servicing transferred the alleged loan account to XXXX XXXX XXXX Doing Business As XXXX XXXX XXXX. In the midst of litigation in XXXX of XXXX. In the complaint the debt collector claimed standing as holder and furnish deceptive documents. The debt collectors have misrepresented themselves all documentation is fraudulent prohibited acts done by notary public by signing document with initials him and notarizing documents for employer in which they have a financial interest in. The judge and two attorney 's all three went to same law schools the whole case is based on hearsay from debt collectors.117.107Prohibited acts.

( 1 ) A notary public may not use a name or initial in signing certificates other than that by which the notary public is commissioned ( 12 ) A notary public may not notarize a signature on a document if the notary public has a financial interest in or is a party to the underlying transaction ; however, a notary public who is an employee may notarize a signature for his or her employer, and this employment does not constitute a financial interest in the transaction nor make the notary a party to the transaction under this subsection as long as he or she does not receive a benefit other than his or her salary and the fee for services as a notary public authorized by law. For purposes of this subsection, a notary public who is an attorney does not have a financial interest in and is not a party to the underlying transaction evidenced by a notarized document if he or she notarizes a signature on that document for a client for whom he or she serves as an attorney of record and he or she has no interest in the document other than the fee paid to him or her for legal services and the fee authorized by law for services as a notary public. ( Certification for Ownership of Instrument Attached ) and ( Notary registration from State of Florida ) Proving they work for the same company. The alleged creditor of the alleged loan is XXXX XXXX XXXX in which terminated itself in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -- Use of credit card issued by Bank of America was denied by merchant although card was current in payments. Call to BOA customer service who informed me that I am deceased, and provided number to BOA estate unit. I have two BOA credit cards, and since it is a separate customer service number I called it, was given the same information except was told that the estate unit does not have a direct line ( WRONG ). 
XX/XX/ -- called the estate unit, asked who reported my death and could receive no answer to that question. Was told that BOA does not need a death certificate to verify the report. Was told that credit to the cards would be restored in 45 minutes ( WRONG ). Several hours later I attempted to use one of the cards, it was refused, called customer service again and after a long time on hold was informed that it takes 24 hours to restore credit. 
XXXX XXXX XXXX -- BOA mailed out condolences on my passing. Although dated XX/XX/XXXX on the letter, postmark on the envelope was XX/XX/XXXX. Letter attached. 
XX/XX/XXXX -- received letter from BOA dated XX/XX/XXXX, apologizing for the error, and saying to call if I have any questions. I asked the following questions to the BOA representative XXXX : 1 ) BOA has my phone number and my email address. Why did noone from BOA attempt to verify my demise? 2 )  Who reported my death to BOA? 3 ) Which consumer reporting agencies did BOA contact? XXXX had no answers, I asked to talk to his supervisor, and he said " You can talk to my supervisor, my supervisor 's supervisor, and my supervisor 's supervisor 's supervisor and they can not answer your questions. 
XX/XX/XXXX-- I went online to BOA to pay the bills on the two credit cards, was denied access to do so, had to contact customer service to correct the problem because BOA never cleared electronic access.
Product: Credit reporting or other personal consumer reports

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX states that I have the right to privacy. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  it also states a consumer agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 

Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding its failure to conduct proper investigations into consumer disputes, as required by federal law. This issue has not only impacted me personally but has also been highlighted by the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for similar failures.

Within the last year, I have recently and consistently disputed inaccurate information on my credit report with Experian. Despite providing clear evidence supporting my claim, Experian failed to conduct a thorough and reasonable investigation. As a result, the erroneous information remains on my credit report, negatively affecting my credit score and, consequently, my ability to obtain loans, secure housing, and pursue job opportunities. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must investigate consumer disputes in a timely and responsible manner. Experians failure to comply with this legal obligation constitutes a serious violation of consumer rights and has caused me undue financial and emotional distress.
Product: Mortgage

I pay my mortgage through my bank, on-line bill pay. My bank sends a check to Mr. Cooper. I paid on XXXX XXXX for XXXX payment. Because I have had so many problems w Mr. Cooper, on XX/XX/XXXX I noticed they had not processed my payment. I called and was told to pay a 2nd time, through their website to avoid late fees. I do not like paying on their website because of all the data breaches they've had but to avoid late fee, I did so. Mr. Cooper 's representative told me to stop payment on the initial check since they hadn't received it and thought it might be lost in the mail. Today XX/XX/XXXX, I get a letter stating I am getting a dishonored check fee on the payment THEY told me to stop! I could not get a person on the phone today. Automated phone service is impossible to get to a person. Had to go online and do a live chat which was took a lot of time and was not helpful at all!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Experian. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute.
Product: Mortgage

We have been trying for 3 months to meet the requirements of BB & T to have our PMI removed and they keep making up reasons to delay removing our PMI. We were told both in writing ( a letter from BB & T ) and over the phone that if we payed our loan down to 80 % or lower, we would be eligible to have PMI removed. We were given a dollar amount that our principle loan had to be at to reach 79 %, so we made that happen. After waiting for the payment to be processed, we called again to make sure we met the requirements to have PMI removed. We were then informed that we needed to fax a letter officially stating that we request PMI to be removed ; so again we did what we were told. After receiving our letter, we were told we had to wait 20 days for the PMI department to review our information and decide if we qualify to have PMI removed. After waiting the full 20 days, they sent a letter saying we couldn't remove our PMI without an appraisal of our home by one of their " qualified '' appraisers. We already know our home has increased in value since we bought it and they claim it is a {$500.00} minimum charge for an appraisal ; so we would rather pay that money down on our principal instead of wasting it on something we already know. We did our research ( along with speaking to other mortgage professionals ) and we learned that if our principle loan reaches 78 %, federal law requires a bank to remove PMI automatically. After finding out this information, I called BB & T to ask them what our principle loan amount needed to be to reach 78 %, so we could remove our PMI. The first lady quoted me an estimate of {$130000.00} and said she wasn't a PMI specialist but that was what she thought we needed. I called back the next day to request to talk to the PMI department, but they told me that wasn't possible and wanted to answer my question themselves. Again I asked what our principle loan amount needed to be to reach 78 % to have PMI removed. This time the lady told us {$120.00}, XXXX ( that is an {$8000.00} difference between the quotes that 2 different BB  & T employees gave us ) and she said even if we payed down to the 78 % now we wouldn't be able to remove the PMI because it goes by the amortization date ( not the percentage ) ; so according to her, we wouldn't be able to remove PMI until XX/XX/2022. All we want is a direct, honest answer to our question ... .what principle loan value do we need to pay down to in order to reach 78 % of our loan? Once we pay that amount, they must follow the federal law requiring immediate removal of PMI without giving us a million different reasons why they can not remove it. Every month they delay removing our PMI after we have met the federal requirements, they should have to reimburse us the PMI payments we made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these ACCOUNTS WITH THE XXXX FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS