23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX Complaint and Dispute Against XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint and dispute against XXXX XXXX XXXX for their violations of federal consumer protection laws. The agency has infringed upon my consumer rights in several ways, as outlined below : 1. Failure to Provide Validation Information : XXXX XXXX XXXX Collection Agency has failed to provide the necessary validation information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests, they have not furnished any documentation to substantiate the debt they claim I owe. This lack of validation is a clear violation of my rights as a consumer. 
2. Reporting to Consumer Reporting Agencies : Despite their failure to validate the alleged debt, XXXX XXXX XXXX XXXXXXXX XXXX has unlawfully placed a collection account on my consumer report. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), they are prohibited from furnishing any account information to a consumer reporting agency without first providing all required disclosures and validation. This action has adversely affected my credit score and financial standing. 
3. Denial of Dispute Opportunity : I have not been given the opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not informed me of my right to dispute the debt within the specified period, further violating my rights under federal law.

4. Use of Deceptive Practices : XXXX XXXX XXXX XXXX XXXX has employed false, misleading, and deceptive means to collect the alleged debt. Their actions constitute a clear violation of consumer protection laws and have caused me undue stress and inconvenience. 
Given these violations, I hereby dispute owing any debts to XXXX XXXX XXXX XXXX XXXX. Furthermore, I revoke all rights for them to communicate with me through email, text, or calls. I request that they provide the following documentation within 30 days : * Debt validation and verification of the alleged debt. 
* The purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor. 
* Proof of XXXX XXXX XXXX XXXX XXXX 's licensure and bonding status. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against XXXX XXXX XXXX XXXX XXXX to ensure compliance with federal laws. Additionally, I ask for the immediate removal of the collection account from my consumer report and any other appropriate remedies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. I am filing this FTC to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identify theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX on XXXX XXXX sold by XXXX XXXX XXXX under the account number ( private ), an personal bank loan account opened at XXXX XXXX on XXXX XXXX sold by XXXX XXXX XXXX under the account number ( private ), a personal credit loan account opened at XXXX XXXX XXXX via XXXX XXXX on XXXX XXXX under the account number ( private ). a personal bank loan account opened at XXXX XXXX XXXX via XXXX XXXX on XXXX XXXX under the account number ( private ) and a personal loan account opened at Leafy Financial LLC on XX/XX/2023 under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the debt collections in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am in continued dispute of a PayPal transaction that resulted in a negative balance of {$89.00} on my PayPal account, which is still impacting my ability to fully use my account. I filed a dispute under claim XXXX XXXXXXXX after PayPal attempted to take a payment XXXX my bank account on XX/XX/year> for the XXXX XXXX XXXX XXXX, which was two weeks before the initial renewal date of XX/XX/year>. ( See Exhibit A ) I cancelled the subscription prior to the renewal date of XX/XX/year>. 

I filed a claim to dispute the charges in PayPals Dispute Resolution Center from my online account. PayPal reviewed and denied my claim twice. ( See Exhibit B ) The first time PayPal denied the claim it stated, this decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. I responded back by explaining that the item was not for a physical product but a mobile app subscription. The denial was made in error with no valid proof to justify the decision. The second time PayPal denied the claim it proffered another reason, and that reason was not supported by any evidence as well. Both decisions to deny the claim were for spurious reasons. 

I appealed the decision ( See Exhibit C ) and uploaded proof that the product in question was a mobile app subscription and not a physical product and the subscription was cancelled before the renewal date. ( See Exhibit D ) I am continuing to receive email notifications from PayPal requesting payment for the negative balance on my account ( See Exhibit E ), which was caused by PayPals own actions when it attempted to take a payment for a service that was cancelled prior to the renewal date. My bank declined the original transaction for payment. Additionally, I have been in contact with the third-party vendor ( XXXX XXXX ). XXXX XXXX has willfully verified verbally and via my XXXXXXXX XXXX account that the service was cancelled effective XX/XX/year>. PayPal continues to request payment for monies I do not owe. ( See Exhibit F ) PayPal denied my appeal, citing that I should request any documentation they used to support their denial decision. If PayPal had any evidence to share, it could have disclosed it as a part of the actual claim by uploading that documentation to its Dispute Center like I did. It did not. I contend that PayPal has not properly supported its decision to deny the claim. The evidence I provided is clear proof of PayPals internal error as shown by the list of supporting documents below. I uploaded these documents to PayPals Dispute Center to refute the denials and to prove my claim.
Product: Student loan

I applied for public service loan forgiveness on XX/XX/2020 after making 120 qualifying payments. I have now waited over 3 months, with no official answer from Fed Loan Servicing regarding the status of where my application is in the process. I have been told various things by different representative from Fed Loans, including information that my loan has been sent to XXXX ( one representative said in XXXX, one representative said in XXXX, one representative said is has not yet been sent ). I have also been told that once my application is sent to the XXXX, then XXXX has up to ANOTHER 6 months to process my application. This time frame is beyond acceptable. If one were to lose their job, the whole devotion of now over 10 years/120 payments for public service loan forgiveness would be for naught. It is frankly criminal that Fed Loans/Dept of Education is taking so long in processing loan forgiveness, potentially leading to applicants not qualifying for forgiveness if they lose their job in this uncertain economy. 

Please assist in reviewing my case. I have contacted the XXXX ombudsman as well in XXXX, who stated my application " was in process '' within the expected time frames.
Product: Checking or savings account

Ive been trying to Open bank accounts with XXXX XXXX they wont approve me also Citi bank they approve me and sent me a card and account number now their saying they cant work with me opening a new account Ive tried XXXXXXXX XXXX and XXXX XXXX XXXXXXXX also it was checks deposited and accounts open in my name also with my credit union XXXX XXXX XXXX Im going the identity theft my car was stolen and my purse and all my personal info like my social security card all my bank cards and credit cards and a check from my insurance company now they also bought a car in my name with my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of inguiry issue
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

When I got the card, I was happy to use the card. After I used it outside the XXXX store my fees were up to 29 % and I decided to pay it in full, unfortunately I am not agreeing on having a late payment reporting in my credit history
Product: Student loan

The Department of Education has discharged my son 's federal student loans that were borrowed for his education at XXXX  XXXX XXXX. The department has determined that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations to students. The federal loans did not cover his full XXXX  year education. My husband and I have taken out private loans to cover the balance. I have reached out to the Dept of Education, to the borrowers defense support, to XXXX  XXXX XXXX, all of these organizations work on behalf of the federal loans only. XXXX  XXXX XXXX had to pay {$96.00} XXXX dollars back on behalf of those students, due to a class action law suit that was filed. Why are they not liable to pay back the private loans? Why is it okay to discharge only a small portion of the money borrowed? Should not matter where the money came from, federal or private. XXXX  XXXX XXXX was paid. I'm not sure anything can or will be done, but I need to be heard. When something is wrong, its WRONG. 
Thank you for your time. 
XXXX XXXX
Product: Mortgage

We tried to payoff the account and were told there was no account yet there is a lean on the property. We have been trying for almost three weeks to close escrow yet Citibank wo n't respond to requests for payoff.
Product: Checking or savings account

We are filing this formal complaint against Bank OZK due to their mismanagement of my business account, their failure to provide adequate account access, and the resulting negative impact on my credit, financial standing, unnecessary fees and financial burdens. At no time has the bank indicated that we did anything wrong, yet we have been forced to suffer the consequences of the banks actions. 

Summary of the Issue In late XX/XX/year>, fraud was detected on our accounts with Bank OZK, which led to the bank restricting access to the compromised accounts. However, despite opening a new accounts, we were not provided access to the business account until late XXXX XXXX period of nearly XXXX months. 

During this time : The bank failed to provide me access to my funds, making it impossible to manage or verify transactions without assistance of a bank representatives. 
After we were forced to open a new account, the bank unilaterally closed it due to an internal issue, without notifying us. 
They returned multiple payments ( including utility bills and CC charges ) due to a lack of verification, despite my inability to access any of the accounts. 
Their refusal to process these transactions resulted in late fees, returned payments, and significant credit damage. 
Repeated requests for a written record of what occurred, including all notifications sent to account holders, have been ignored. 
Meetings with key bank employees were disregarded or unattended, and we were repeatedly passed between various employees within the Bank OZK system. Throughout this process, we found ourselves at the bank multiple times a week, yet our concerns remained unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit numerous disputes with XXXXXX/XX/XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Product: Mortgage

- XXXX XXXX : I applied for a re-finance of a mortgage that was currently serviced by BB & T. The loan officer handling the request was XXXX XXXX ( NMLS ID XXXX ). I expeditiously submitted all financial information requested. 

XX/XX/2020 : XXXX told me that as a part of my approval process, I would need to submit a 60-day ledger of my checking account activity in order to apply a monetary gift ( from my family ) to the approval process. 

-XX/XX/2020: XXXX XXXX loan processor sent me a notice ( via email ) that my re-finance had been submitted to underwriting -XX/XX/2020 : After hearing nothing from XXXX for weeks, I told him if my re-finance could not be approved by XX/XX/XXXX, I was no longer interested. Other financial institutions were processing re-finances within 60 days, so I was more than patient with an almost 90-day time period from XXXX/BB & T with no resolution. 

XX/XX/XXXX : I emailed XXXX 's processor ( XXXX XXXX ) that I was no longer interested in the loan since it had taken so long. XXXX immediately emailed me back and I confirmed with him that I would like to end the loan process. He confirmed with : " OK, have a good one ''. 

XX/XX/XXXX : I received a " Statement of Credit Denial '' from BB & T dated XX/XX/XXXX. I called XXXX because, as he indicated to me, the loan application had been withdrawn so I was confused. He mentioned that my credit was denied because a gift letter was not attached to the application, and at that same time he confirmed that my loan had been withdrawen. 

... ..so here is the complaint : 1 ) XXXX did not tell me a gift letter was required by compliance for approval. He told me a 60-day checking account ledger " would work '' ( email attached ) If I had been given the correct information at that point, I would have immediately withdrawn the loan. 
2 ) XXXX did not tell me, when I requested the loan application be withdrawn, that it was essentially too late because at that point it had apparently already been submitted for final approval. 

XXXX 's actions and lack of information ( or false information ) have harmed me because by " denying '' me credit ( for a loan I no longer wanted ) can harm my credit rating and ability to receive favorable consideration for future credit applications.
Product: Money transfer, virtual currency, or money service

Hi, I found a seller online on XXXX by the Name XXXX XXXX. His email address is XXXX. I purchased XXXX   XXXX XXXX tickets from him and paid him from my SunTrust account via XXXX. I was able to receive the ticket but when I went to the park the tickets were void and they informed me that a chargeback was made on the card through which the tickets were purchased. I contacted my back and they informed me that they are unable to do anything with it as XXXX has no fraud protection. I would appreciate if I can get any assistance with the refund. I also have sellers phone number XXXX. The amounts that were sent was {$550.00} and {$35.00}. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
XXXX, and XXXX continue to report false information in : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to remove a freeze on Experian 's website, " experian.com/freeze. It is not accepting my credentials when I attempt to log in. When I attempt to reset the password, it returns 'Your account has been locked due to too many failed attempts. ' The phone number I'm directed to call does not provide an option to correct this. Their automoated phone system wont allow me to can't speak to a Representative. Thus I am unable to reset my password or gain access to their website, ironically to be able to manage MY CONFIDENTIAL INFORMATION.
Product: Mortgage

Flagstar charged me {$30.00} for each request for a payoff statement. Today, they could not tell me who requested the payoff only a fax number. They told me it had been requested by fax 5 times, once in XXXX, XXXX and XXXX and twice in XXXX. They gave no date. The total cost was {$150.00} with no accounting of date of request or who requested the payoff. 

I feel it is very unethical for the fee to be so high and provide no accountability of the validity of the charge Flagstar Bank Loan # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX XXXX
Product: Checking or savings account

On about XX/XX/2018, I tried to secure a pay day loan using my banking routing and checking account number. When I tried to log into my account, a pop-up number appeared for me to call the bank. As I spoke to the representative over the phone, he informed me that the bank has determined that my account must be closed within twenty days and that I can no longer be a client ever with them. I thought there was some mistake so I went into a nearby branch office to find out what was going on. The gentlemen at the branch said that you probably just need to change your username and password ; which he was getting started on when he received a call from the main headquarters letting him know that the account will be closing in or about twenty days. All I was told at the branch was that there was some suspicious activity on the account which translated as someone acting on fraud. When I was shown my account by the banker, I didn't see any suspicious activity on the account. I can only conclude that I was a victim of a scam for a cash advanced loan. The following week, on XX/XX/2018 I got a call from my loan institution telling me that all my payments from XX/XX/2018 have been returned to them as not been paid. I called Chase Bank to find out why and they have refused to give me any information and have said to me many times that " no matter who you talk to, everyone will tell you the same thing. That Chase reserves the right to explain anything, and that your account will be closed in twenty days ''. This has been very frustrating, I have been a loyal client of Chase Bank for many years, and no one wants o give me any information regarding the status of my account that's ended or transfer me to someone with the information regarding the returned payments to my loan institution, XXXX XXXX XXXX. I'd like this matter to be resolved as soon as possible and continue banking with Chase, however I feel as though I am being attached and punished for something I am unaware of.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit my complaint to EXPERIAN regarding the inaccuracies present on my credit report, and to express my dissatisfaction with the lack of action taken to remove these inaccuracies. The data reported on my credit file is neither verifiable nor substantiated by proper documentation. I believe that these items are not compliant with the Fair Credit Reporting Act ( FCRA ) or the Fair and Accurate Credit Transactions Act ( FACTA ), and I request that they be investigated and removed promptly. 

My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XX/XX/. The associated FTC complaint report number for this issue is XXXX. 

I have identified potentially inaccurate and unverified inquiries and accounts on my credit file that lack my authorization. These items appear to violate provisions of the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ), which requires that credit reporting agencies provide accurate and verifiable information. Additionally, these items may be in violation of FACTA, Title 1, Section 151, which mandates the proper authorization and verification of all information reported. 

As a consumer, I am asserting my rights under both federal and state consumer protection laws to ensure that inaccurate or unverified information is promptly removed from my credit report. This letter serves as a formal dispute of the information reported and a request for an immediate compliance check in accordance with the FCRA and FACTA. 

Thank you for your prompt attention to this matter. I expect a response within the timeframe required by law and anticipate that the inaccuracies will be addressed accordingly.
Product: Credit reporting or other personal consumer reports

This has been going on for months and I've disputed this multiple times. I also filed a previous complaint with the CFPB as well. Now XXXX and XXXX added a XXXX loan to my account which does not exist which is beyond the pale. Currently I have XXXX student loans serviced by EdFinancial totaling $ XXXX. Now they added a XXXX loan instead of just simply fixing the balances of the other loans, making my total owed double than what it used to be. Hard to imagine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported my account late for the month of XXXX. I spoke to the company in XXXX because I was having financial hardship at the time and asked for a sustainable solution on payment options. The company agreed to take out two specific amounts from my checking account on specific dates as automatic payments. They did not and in turn once I realized it - I made a payment to bring the account up to date. They marked my account as late when in fact it was the companys error for not taking the funds as agreed. I want this taken off of my credit report as a missed payment. I have a perfect payment history in the last few years and this is causing me issues with obtaining any new credit.