23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We closed on the sale of XXXX XXXX XXXX, XXXX, AR XXXX for XXXX XXXX XXXX on XX/XX/2022. I obtained a payoff for his current mortgage from Essex Mortgage ( Loan number XXXX ). This payoff was good through XX/XX/2022, I added 4 days ( good thru XX/XX/2022 ) {$12.00} the daily per diem per the payoff statement received. I sent the payoff in the amount of {$120000.00} to Essex Mortgage overnight XXXX XXXX on XX/XX/2022. Per XXXX XXXX  it was delivered to Essex Mortgage on XX/XX/2022 @ XXXX DELIVERED Monday XX/XX/2022 at XXXXXXXX XXXX Signed for by : XXXX Essex Mortgage called my office on XX/XX/2022 and stated that the payoff amount was short. When I tried to find out why they said it was short, it was an evil rollercoaster of back and forth for a week. I spoke to over 5 people and yesterday ( XX/XX/2022 ) finally I find out after a phone call that lasted over 2 hours and 45 minutes going through 3 people that day, that they claim they didn't get the payoff check until XX/XX/2022 and on XX/XX/2022 they paid the Mortgage Insurance premium and now the payoff is short by XXXX ( that amount was only good through XX/XX/2022 ) My question that I keep asking is I have proof that it was delivered and signed for on XX/XX/2022 so why would you first pay an insurance premium on XX/XX/2022 and why would you think it is ok to charge the borrower for your mistake. This is a case on inner office misplacement and my seller should not have to pay for their oversight. I have tried to reason and talk to them and most of them have been very nice and appeared to want to help me but couldn't. The one person XXXX in the Cashier Department was very unprofessional and refused to speak to me about it at all, he would only communicate through the nice lady in loss and mitigation on emails. When she asked him if he would speak to me he flat out said no I have already spoke to them and will not again. If the payoff had not actually gotten to XXXX until XX/XX/2022, then I would not be disputing the shortage. My company would have no choice in paying it, but that is not the case here. 
Please help me get this resolved so I can close out this file for my office and my seller. I need them to accept the payoff check that was sent to them on XX/XX/2022 in the amount of {$120000.00} as payment in full. They can not expect us to pay for them making a mistake. 
Thanks so much for your time. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Debt collection

I reached out to healthcare finance direct ( HFD ) by phone to ask them about their plan regarding a providers bankruptcy and they could give me no information and advised that if I didn't keep paying them they would send me to collections and taunted me saying that my credit would be harmed. I'm on the SmilePay Plan. The website states if you haven't received your full treatment then you do not need to continue with your monthly payments. HFD is the service provider for your SmilePay payment plan. I was in the middle of my treatment plan when XXXX filed for bankruptcy, I was never able to talk to a dental team about my progress, let alone the issues I had with my aligners, nor was l able to order retainers so my teeth have shifted back to their original state causing me pain in my jaw. I am aware that the creditor on the loan is soon expected to launch a customer support plan for. In the interim, ( per XXXX  ) HFD is obligated to place my disputed account on hold until the customer support plan is approved by the creditor and the attorney general-this has not been done.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was devastated to find inaccurate accounts listed, and I have no idea how they got there. Ive been diligent in monitoring my report, and Ive never seen anything like this. Refreshing my browser didnt change anythingthe errors didnt disappear. Please review the documents Ive sent carefully so I can finally feel some peace of mind about this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT XXXX : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : XXXX. XXXXXXXX XXXX  Account Number : XXXX
Product: Checking or savings account

XXXX XXXX I went to the ATM TO WITHDRAW {$300.00} off of my MoneyLion debit card. {$300.00} was deducted from my banking account & nothing came out of the atm! Not even a receipt. I started a dispute XXXX XXXX, nobody contacted me back about anything until I reported to the XXXX  that I wasnt credited a provisional credit. They then contacted me to say I would be credited on XX/XX/XXXX, they contacted me on the XXXX, just to reach back out on the XXXX to say I would not be Recieving anything and that the atm had the funds available. Now XXXX here reporting again! Its been a whole month, my XXXX was ruined, new years was ruined, my birthday is XX/XX/XXXX I have yet to receive my money back! I would like to say this is stealing!
Product: Credit card

After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a credit report ( see attached document ) from Equifax on XX/XX/XXXX XXXX # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These XXXX accounts had been included in a bankruptcy which was successfully discharged in XX/XX/XXXX and these two XX/XX/XXXX accounts were scheduled to be deleted from all of my credit reports ( Equifax, XX/XX/XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called Equifax on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from Equifax, the Equifax customer assistant told me that XXXX account XXXX was deleted but that XXXX account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. Equifax told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - Equifax dispute # XXXX. 

If you see my past history of disputes, you can note that XXXX has done everything that it can to keep incorrect credit history on my credit reports. XXXX is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all XXXX  accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, # XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.
Product: Student loan

as of XX/XX/23 they are stating my IBR has expired. However, Studentaid.gov says it has not and I do not need to recertify as of yet. They have sent no correspondence to my place of residence or notified me of messages in an inbox Navient.com that I never knew they were sending things to. The only reason I even went on today XX/XX/23 was because on XXXX at XXXX i received my very 1st phone call from this company. the lack of communication is horrible. I know have a late fee for something I have no clue what it is for. I was told it was from something prior.
Product: Money transfer, virtual currency, or money service

They would give me a provison credit somebody stole my card. An spent my money i filed my claim XX/XX/XXXX this my second trouble ticket XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, XXXX, & Equifax assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed XXXX to furnish this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by XXXX XXXX are XXXX and Experian these are the only 2 reflecting negative scoring. These scores were altered and its history by XXXX to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.
Product: Checking or savings account

I received XXXX payments to fund my account and the bank decided to close my account since they can not verify the phone numbers I provided from the senders. I called many times and after one day talking about this issue, they decided to close my account. The very next day, they sent me an email saying : " Weve completed an initial review of one or more of your accounts. Based on our current information, weve determined that the unusual activity we found is inconsistent with our expectations for account usage.

Well begin a final review of this decision, and depending on the outcome of this review, your account ( s ) may be closed.

If your account is closed, any remaining balance owed to youplus all interest earnedwill be transferred to your externally linked checking account, or a check will be mailed to your address on file.

If you have any questions, give us a call at XXXX. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX ET and on Saturday from XXXX XXXX XXXX XXXX XXXXXXXX ET. 

Well send you confirmation of the results of our investigation.

Capital One '' Since that day, I haven't heard from them and am still waiting for them to send the money, but I feel they are just making everything slow to keep the money as long as possible.

I want to add that I also contacted them again two weeks after the decision and they are still unable to provide me with a date of when they can send me the money.
Product: Student loan

Schools misconduct, aggressive and deceptive recruitment, misrepresentation and omits important information. 
The information that I received from XXXXXXXX XXXX  about the tuition cost during the initial interview was different from the real cost of the program. 
Most of the XXXX XXXX XXXX jobs are XXXX not full-time jobs, XXXX XXXX  does not provide me with that information, so I could've taken a better decision based on my personal situation. I trusted their words about job availability. 
XXXX XXXX  constantly told the students that we will find jobs with high earnings for the program and not to worry about the student loans. 
According to XXXX XXXX " If you are willing to invest in yourself, XXXX XXXX  is willing to invest in you. '' XX/XX/XXXX ( email from XXXX XXXX  ). 
In addition, I thought there would be more opportunities for scholarships or financial help. XX/XX/XXXX, XX/XX/XXXX ( I received email my program did not qualify for most of the scholarships ). 
XXXX told me that the credits are transferable to other schools in case, if necessary but I had to repeat several classes to be able to finish the program since several universities did not accept XXXX XXXX  credits. 
I received an email from Financial Aid to accept the financial plan ASAP using Capital letters by rushing me into the decision to study with them, they did not give me the opportunity, nor did they take into consideration the amount of debt due to student loans compared to income. 
In addition, I asked them to provide me with documentation about the original loans and I did not receive any response. 
I am affected by the false representation of the university because I acquired many loans that affect my credit, have not had any benefit in my life since I have not found a job in the field of study, in addition I could not go to another school because I do not have more financial aid. This situation has created anxiety and has contributed to me having episodes of XXXX.
Product: Debt collection

This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/XXXX of this year 2022 they placed it again.
Product: Credit card

According to 15 US code 1666b timing of payments, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to insure each periodic statement including the information required by section1637 ( b ) on this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting

CREDIT REPORTING AGENCY REPORTING INFORMATION DISPUTED/NOT VALIDATED pursuant to FDCPA this data must be removed absent the validation.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC is inaccurately reporting a closed collection account on my XXXX credit report. They illegally re-aged the account by listing the " Date Opened '' as XX/XX/XXXX, when the true Date of First Delinquency ( DOFD ) is XX/XX/XXXX. 

Under FCRA 605 ( c ), re-aging a debt is illegal because it makes the debt appear newer than it is, extending its time on my credit report beyond the legal reporting period. 

I disputed this account with XXXX, and they responded by saying the account was " verified. '' However, they have failed to provide the legally required Method of Verification ( MOV ) under FCRA 611. 

Additionally, this account is missing key details such as the " Purchased From '' and " Sold To '' fields, making the reporting incomplete and inaccurate under FCRA 1681s-2.

Despite my repeated disputes, LVNV Funding continues to report incorrect information, negatively impacting my credit score. 

I requested validation of this debt under FDCPA 809, asking for : A copy of the original signed agreement with XXXX XXXX proving I agreed to this debt. 
A full breakdown of the balance, including principal, interest, and fees. 
Proof that LVNV Funding has the legal right to collect this debt, including a proper chain of assignment. 
LVNV Funding has failed to provide this documentation, yet they continue to report the account, which violates both the FCRA and FDCPA. 

This account is being reported inaccurately and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number XXXX XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I sent certificate letter to credit companies About XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block .inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about costumer safety.
Product: Debt collection

I have filed 10 complaints since XX/XX/2023 on CFPB yo receive all documents billed yo me in XX/XX/2023 for {$2800.00} in LEGAL FEES billed to me. 

I LEAGALLY REQUEST ALL DOCUMENTS TO VALIDATE THESE LEGAL FEES BILLED TO ME IN XX/XX/2023. NOT ANYTHING THAT IS NOT THE LEGAL FEES.
Product: Credit card

Net Spend XXXX Texas XXXX has an agreement on small claims action. They agreed to stop payment XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX checks was not cashed only the one XXXX XXXX. We sent to Supporting Complaints Dept of Finicial Assistance XXXX XXXX XXXX XXXX Ny XXXX reference # XXXX Net Spend. They 2 Business days and some seem to leave job XXXX @ Finicial Dept Ammends must be made because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office tried to file false claims XXXXXXXXXXXX has them incontempt of court XXXX XXXX XXXX XXXX XXXX