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

I reviewed my consumer report and noticed that i has XXXX late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments the the account that i have included photo inside the complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these late payments be updated to as agreed on time as they should be due to the fact i was never late. Thanks please see picture attached
Product: Credit reporting or other personal consumer reports

I submitted a complaint of XXXX and the response from the CRAs is that the information was verified however the CRAs didn't provide any of the requested information from the letter attached. I am seeking validation, and it seems this debt can not be validated. 

According to FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report. It is the CRAs duty to ensure all information being reported is validated and accurate. The creditor failed to validate the accuracy of this account however the account was not deleted from my credit profile. I am prepared to take legal action if the information is not validated within the next 30 days with accurate information, stating this account belongs to me. 

Below are the questions that needs to be answered. 

I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt. 

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate. 

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute.
Product: Student loan

Ever since my loan servicer has switched from XXXX XXXX to Navient as of XX/XX/2022, I receive monthly notifications from Navient to refinance/consolidate my federally held loans into a private loan from Navient. These letters did not start until Navient received my loan information as a my new servicer. This practice is predatory and is utilizing my data, obtained through a government contract, for their private gain to actively try to remove my loan from the federal system and convert it into a privately held loan. This would remove protections and options for my repayment that are only available as federally held loans. 

This is predatory and misleading and is the only communication I have received from Navient about my federal student loans, despite them being my new loan servicer.
Product: Mortgage

I previously initiated a complaint. Cfpb asked for the company side and then closed the complaint. The company did not provide accurate information. This loan was just acquired, and they charged a {$100.00} late fee. They claim this fee came with the loan from XXXX. XXXX denies assessing the charge. There is no evidence that any payment was ever made late. Mr. Cooper insists there is a late fee due on the account and will not discuss it further. As I understand it, no fees can be assessed in the initial months following the acquisition of a loan. That makes this fee illegal and should not be charged. Please look into this matter again. I can not present further information on the late fee as none exists. A late payment did not happen on the previous loan or on this loan.
Product: Checking or savings account

On XXXX of XXXX CITI bank decided to close my account, after almost 2 months CITI returned via a check the remaining balance on the account which was XXXX  However there was a missing sum from the check we got from CITI, in the amount of XXXX  which was a direct deposit from one of our customers XXXX XXXX. 
It was deposited in our account on XXXX XX/XX/2021. 

This customer XXXX XXXX booked a nonrefundable airline ticket with us. He has been informed about this fact. The ticket got eventually canceled and the passenger was offered full credit for future travel which he was eligible to use up to 2 years. According to our Terms & Conditions he was not entitled for a refund, therefore the airline could not grant him one. 

I do believe this person complaint to CITI, and CITI for some reasons without contacting me first to find out what is the reasons for complaint, and to offer us the possibility to explain ourselves and provide proof of purchase decided to take this money out of our account and return to the complaining customer. 
This is totally unacceptable. I demand the money in the amount of XXXX to be immediately returned to us. 

Please find copy of the deposit, copy of our Terms & Conditions and the completed form by the customer XXXX XXXX where it is clearly marked he agrees to pay our company for the airline ticket. 
If there is more information needed please let us know.
Product: Student loan

I received a letter stating that I had been selected for wage garnishment. I contacted the loan servicer Transworld Systems ( TSI ) to get enrolled into a rehabilitation program. My primary complaint is the fact that there are separate departments that deal with the set-up, verification and maintenance for each account and they do not all work efficiently together. So XXXX person in XXXX department will tell you XXXX answer and then later you will be told something totally different by another person or department. 
In my case, The set-up manager told me that I needed to sign XXXX different sets of documents and return them via email, but she sent me the wrong documents. I completed the paperwork, signed and returned as instructed and no one called for 2 days. On the 3rd day, someone called and said that my paperwork was incomplete and that I would probably still have my wages garnished until I got that to them. He then said that because I did n't have a fax machine the only way to receive them was by overnight mail! I happened to be accessing my bank account at the same time and realized that even though the agreement I made with the set up payment beginning XXXX/XXXX/16 and then on the first of each month thereafter, that I had already been charged for a payment! This is my second issue. My credit card was charged on an occasion OUTSIDE of the agreement that I made with this company. After all this, they still could not confirm that even though I had already made a payment that I will not have my wages garnished because of a problem they created. I spoke with a supervisor and she mailed me the documents immediately, but I still do n't have confidence that I will not be garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to Experian, XXXX  and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit
Product: Credit reporting

My girlfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX XXXX and Experian Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Pandemic and a death to someone who who was tied to the account my account fell into the late payment category. FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : states that no late payments should be reported i have already attempted a goodwill letter explaining what happened I even payed all the accounts up to date. I think this is totally unfair i had a death to my immediate family that was tied to that account and fell late due to not only financial hardships, taking care of the funeral expenses and even dealing with XXXX due to her death. Here is the information for the accounts Account Name NAVIENT Account number XXXX Reported Late : XX/XX/2021, XX/XX/2021, XX/XX/2021 Account Name : NAVIENT - Account Number : XXXX Reported Late : XX/XX/2021, XX/XX/2021, XX/XX/2021 By law the late payments should be removed from these accounts
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I would like the company in question to send me all the information I requested to validate the debt as belonging to me. If they are unable to provide the information in the tile allowed by their governing body, they should refrain from reporting the information to the credit bureaus, remove my information from their internal books and never sell, or forward my information to any other company with mean of collecting a debt from me.
Product: Credit card or prepaid card

Victorias Secret close my account due to lack of use for one month all payments were made no calls or letters were sent to me advising that the account will be closed due to lack of use went to the store to use my card and was advised that the credit account had been close I reached out to Victorias Secret to speak to someone about reopening account it was advised that I will have to reapply for a credit card which would cause another hard inquiry on my credit this was unfair and a violation of my consumer rights
Product: Credit card

When I signed up for the XXXX XXXX card, I was told there was " No '' interest for 12 months on charges I made. Once the 12 months expires, I will begin paying interest on whatever my balance is. 
I have been making all of my monthly payments on time and over the minimum due. I logged into my account today, and noticed that I was charged interest of {$400.00} on XX/XX/XXXX. Upon further inspection of my statements, I also noticed I was charged {$130.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX all in interest charges. 
I called to Comenity Bank to find out why. I was told it was deferred interest charges. Once the promotional XXXX interest ends, I am charged 32.24 % interest rate for the entire charge made 12 months ago even through I have made every payment on time. I explained that I was never told it was deferred but that it was XXXX interest for 12 months, if balance wasn't paid off in 12 months, interest would start at the current balance. The supervisor said that they would have told me on the website about the deferred interest but this never occurred. 
They were unable to help me remedy this, so I asked that the account be closed immediately.
Product: Consumer Loan

In XXXX XXXX I bought a XXXX XXXX XXXX financed by Lobel Financial. I signed all the paperwork with my payment being {$290.00}. I went down the street to get proof of insurance for this vehicle, I get back, I was told the finance company had already jacked my payment up. I had to sign new paperwork, making my payment {$320.00}. Before the first payment was due, I got a notice that I did n't have adequate insurance and they were going to XXXX my payment up ANOTHER {$66.00} a month. This continued the whole time I had this vehicle. ALL the documentation is being sent to you. The insurance company repeatedly faxed them proof. Come to find out, that 's their SOP. It 's a major league scam. They now operate XXXX offices in XXXX States. XXXX XXXX is an active, practicing Attorney in the XXXX of CA. # XXXX, admission XXXX XXXX. Interesting, he sues the very people he profits from. In XXXX, Lobel Financial paid {$150000.00} in civil penalties, and {$100000.00} to the XXXX of CA for XXXX and costs. Compare all the complaints with the XXXX, Consumer Affairs, Complaints XXXX, and Debtor 's XXXX, they have a well established, documented theme. They 've acknowledged the problem in numerous complaints but have failed to fix the problem. With him being a lawyer, you would think he would have taken corrective action, but has not. I 'm filing a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was a victim of a hard pull on my credit by a company called XXXX XXXX which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
Again XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from Navy Federal. In which case I do not recall giving any permission for them to run my credit score.
Product: Debt collection

Portfolio Recovery Associates LLC has repeatedly made " robo-calls '' to my number without replying, during my work hours and continued to make phone calls when asked to stop. They have failed to provide any evidence of a valid debt, They also offered to give me the social security number of the debt they are attempting to collect, which i stopped them from doing, In conversations they failed to verify any further information other than my name. Addresses given were never lived at by me or my family. They are routinely rude and obscene on phone calls and very threatening in their demeanor. I have repeatedly told them to halt harassing calls, and they have failed to do so. They have now renewed an older than 7 year account on my credit report with no basis to collect.
Product: Money transfer, virtual currency, or money service

In XXXX I was reached by individuals, acting on the behalf of and/or through the Internet platform XXXX. The individuals contacted me have explained to me and made me believe that their platform and its operator are completely licensed and qualified to trade regulated financial products and to provide financial advices for the benefit of an unlimited number of individuals. Being extremely pushy and aggressive in their approach towards me and exploiting the lack of special knowledge and skills of the latter, these persons persuaded myself that they are completely legitimate, which influenced me an also made my decision to invest substantial amounts on their platform. 

The website XXXX was designed to maintain and exploit my belief, especially in average consumers who lack specialized knowledge and are inexperienced in this type of trading. 

For example, it contains information that their employees have years of experience as financial brokers, that the team has the necessary qualifications, and that the proposed trading is in full compliance with the applicable law, including in the field of anti-money laundering measures. 

However, our research shows that there have been published numerous warnings against said platform that clear evidence that the platform XXXX, does not have a license to trade regulated financial products such as they advertise on their sites. 

Deceiving the Complainant and promising substantial and rapid return of investment, the unlicensed financial broker demanded that i should initiate series of payments within short period of time. 

While the Complainant was deceived that these payments are for funding Complainants segregated financial investment account, none part of these transactions was ever used for financial trades. In consideration of the beneficiaries and the lack of financial brokerage license of XXXX it is impossible that the unlicensed brokers maintained segregated financial investment accounts of their Complainants. Therefore, i assume that all payments were laundered by the Merchant and i was put in deceit that i can really place trades and participate on regulated financial markets. 

For a certain period of time after opening her imaginary investment account, the Complainant had access to my accounts with XXXX. After a while, my personal profile was closed without consent, and all my attempts to get funds back into my " investment '' accounts were unsuccessful.
Product: Credit card

This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report.
Product: Debt collection

The representative ( XXXX ) stated that she could not speak to me about my account unless I provided the last 4 digits of my social security number. This practice is inconsistent with request made by the representative who had just transferred my to the representative ( XXXX ). I had already provided my full name, property address, and account number, but the representative refused to move forward. 

This is keeping my account in delinquency longer and is making it difficult for me to resolve the matter.
Product: Debt collection

This account was previously removed from my credit reporting files, over two years ago. I was never notified in regards to this account being reinserted.
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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lacks of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Cardholder alleges that : - Upon check-in at XXXX XXXX XXXX XXXX on XX/XX/2019, he was asked to prepay for his two-night reservation in advance, which he did - Upon receiving his room, he immediately complained about noise due to thin walls, cold room, and overall substandard quality for a winter hotel branding itself as a 5-star property - Upon receiving a replacement room, he suffered a cold night in the middle of XXXX in a barely heated space on the night of XX/XX/2019 - Problems persisted on XX/XX/2019 culminating with water shutoff to the top floors due to insufficient water pressure, causing cardholder to leave the premises on XX/XX/XXXX, and stay at an alternative hotel on the XX/XX/2019 ( receipt attached ) - XXXX XXXX XXXX XXXX lied about cardholder staying two nights, despite alternative hotel receipt, and camera footage from reception desk proving leaving the property - All of the above information has been furnished to Chase - Cardholder has since tried to remedy by contacting the XXXX XXXX XXXX XXXX for resolution - In response to the Consumer complaint, hotel has acknowledged its deficiencies and provided as a goodwill gesture a voucher for two nights with restrictions the voucher has been declined with letter attached, and full refund requested again - All documentary evidence is attached to this claim ( receipt for alternative accommodation for the night of XX/XX/XXXX, copies of voucher offered by hotel and since declined, grievance correspondence with the XXXX XXXX XXXX XXXX, photos of dry faucets during mid-winter water shutoff, and original hotel receipt ) - Chases performance on the claim was inconsistent and marred by multiple agents asking for repetitive information and providing conflicting advice - Chase has failed to adequately contact the vendor for resolution, and only accepted the vendor receipt as evidence, while declining to accept pictures showing water was turned off ( hotel does not deny water shutoff ) - Chase decisioned the claim with prejudice in an effort to hastily put a closure to the claim following the path of least resistance - Chase failed to uphold its prior standards of being known for customer care and siding with the customer when justified - In a final phone call, Chase failed to inform the cardholder about his right to arbitration even when asked about next steps