23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I noticed a {$9000.00} cash withdrawal from my Chase checking account that I did not make. I called the fraud/claims department at Chase at XXXX and was told that since the withdrawal was pending I had to wait for it to post the next day, go to the Branch and file a claim in person. On XX/XX/XXXX I checked by accounts online, saw that the {$9000.00} withdrawal posted, printed the voucher, which indicated a withdrawal date of XX/XX/XXXX, my signature forged and an account number crossed out and my account number written on top. On XX/XX/XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Chase Branch in XXXX  and filed a claim. I was told that the paperwork was submitted that day. It would take 3-5 days to investigate, which I don't understand why as this transaction was conducted at a branch in XXXXXXXX XXXX, I do not live anywhere near there, this pattern of transaction was completely out of pattern and I FILED/SIGNED the declaration that the transaction was not mine. On Monday XX/XX/XXXX I called the claims department and was told that the Dept still hasn't received my declaration and it can take 2 business days, it was sent internally!! Went back to branch they confirmed was sent, now the branch is saying investigation can take up to 8 days ... why? I am out {$9000.00} it was not me, and they can prove it. My account should have been credited immediately!!!!! In addition I would like to know why a transaction conducted at a branch on XXXX did not post to my account until XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account from Target/TD Bank was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : Dispute Result negative reporting account # XXXX Hello XXXX, Im writing this letter to dispute your dispute findings for PHH Mortgage Services account # XXXX that I recently disputed through XXXX online. This account was requested to be deleted by the original creditor in XXXX per a legal confidential settlement agreement ( see attached documents ) Also, the account appears duplicate times on my credit report. Ive disputed this account on several occasions without XXXX or PHH mortgage services updating and reporting the account accurately which is required under FCRA Law. 
Ive since filed a complaint with the Consumer Financial Protection Bureau and will file legal action against XXXX for refusing to report this account accurately. 

Please review the documentation included with this letter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Letter sent to XXXX refuse to delete account per a legal settlement agreement in California
Product: Credit reporting or other personal consumer reports

I have learned that my credit report contains some incorrect information. I am requesting that the XXXX bureaus remove this incorrect information. Such misinformation damages my credibility. If the XXXX bureaus do not take action, I am prepared to file a case against them
Product: Student loan

I was a co-signer for my daughter 's student loan. I paid off the entire amount on XX/XX/2022 because my daughter was having great difficulty paying off her loan. I was due to receive a pay-off letter 30 days after it was paid, but as of this date, I have not received the letter. I called American Education Services Customer Service Department on the first week of XXXX and was told that the letter was sent. However, I never received the pay-off letter. I called again after one week and they again stated they sent the letter and will send another one. Again, I never received the letter. I called again ( 3rd time ) last week and they again claimed it was sent. As of the day of this complaint, I have not received my pay-off letter despite that all my contact information is correct. I stated that since I paid-off the loan in its entirety, I am entitled to a pay-off letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I went to pay {$950.00} to my Chase Freedom Credit card. I used the atm located inside the local Chase at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During the transaction the atm gave me a reciept stating that and error had occured while process the payment, " It looks like there was a problem completing your payment please call XXXX XXXX XXXX for personal credit cards and XXXX XXXX XXXX for business credit cards cards XXXX. '' The next day I went to speak with a banker by the name of XXXX XXXX. She was very helpful and submitted a form and gave a confirmation number, " XXXX - XXXX ''. On the confirmation page there was a number that I called and they told me they recieved my complaint and would investigate. I got a call 5 days later, the representative asked me to verify the particulars and told me that the case is still under investigation. Throughout the time the case is under invesstigation i go back to the locate bank and ask what is being done with the account as it should not reflect the {$950.00} that was paid. The bank temporarily credited the card XXXX but as on today XX/XX/2022 the account still reflect the {$950.00} as not being paid. This entire ordeal is unnecessary and very inconvienent.
Product: Consumer Loan

We purchased a new XXXX XXXX van XX/XX/XXXX. Chase Bank financed the note at 8 % interest. XX/XX/XXXX, we refinanced another one of our cars with chase which was originally financed at a credit bureau. We have made every payment on both car loans on time and have paid extra bulk payments on the van to the tune of over {$9000.00} of the principle alone since the purchase. I and my wife have only XXXX % debt ratio. I have XXXX accounts open with not one late payment and my wife has XXXX open accounts with not one late payment. We have both been in our jobs and our residents for 5 years. We wanted to trade the XXXX van on a XXXX model and submitted an application for the new loan. The application was denied with no reason given, only an offer to send a rejection letter which will take 15 days. So I thought " OK, We 'll just refinance the van and trade later '' ... .. again that request was denied. How can you have perfect payment history with a bank on XXXX auto loans totaling {$44000.00}. Good credit scores ... .. I 'm in the high XXXX 'S and my wife in the mid XXXX 's. Decent job/resident history. Average income. Plenty of open/closed credit accounts which go over about 7 years and not a single late payment in many years ... .. low debt/income ratio and still be denied reasonable credit??
Product: Mortgage

On XX/XX/2015, I submitted a hardship letter to Wells Fargo the loss mitigation department expressing that I would be able to pay my mortgage due to a monthly increase in my XXXX mortgage monthly payment from {$1600.00} to {$2100.00}. This new payment of {$2100.00} for the XXXX mortgage plus a XXXX mortgage payment of {$390.00} gave me a total monthly payment of {$2500.00}. Since this payment is more than XXXX % of my monthly net pay, I could no longer pay the mortgage and have any kind of day to day life. After moving forward with notifying Wells Fargo, I think it was reasonable to think I would be a bit farther along in this process. I have completed every peace of paper work at least 4 times and I have yet to get any kind of resolution to my situation. The person my agent is constantly submitting paperwork requested without any resolution. This situation should be forwarded to any committee in congress that regulates mortgage finance. I have filed many complaints on this process and there should be some way to get this done a lot quicker than 6 months. My agent has submitted a contract with a buyer willing to buy the house through the short sale process more than 30 days ago, but due to Wells Fargo 's representative XXXX XXXX constantly asking for the same paper work to be sent over and over simply to harass my agent - is ridiculous. Again, my agent just sent all of the paperwork that was previously sent and we still do n't have any resolution to my problem. I really believe that I am being discriminated against because I 'm a XXXX female. There should be an investigation to see how many minorities get the run around when going through this process. The XXXX mortgage company - XXXX has approved the short sale and we are simply waiting for Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 RE : Proof of Validating Account Social Security # : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX # XXXX - {$5500.00} ; DEPT OF ED/NAVIENT # XXXX XXXXXXXXXX ; U S DEPT OF EDXXXX # XXXX - {$4200.00} ; U S DEPT OF EDXXXX # XXXX - {$1.00}, 521 ; U S DEPT OF EDXXXX # XXXX - {$50.00}, 321 ; U S DEPT OF EDXXXX # XXXX - {$26000.00} Attn : Fraud Department : I am writing to dispute the account referenced above. I have disputed the account information as Fraud/Identity Theft with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my Federal Trade Commissions Identity Theft Report and my Identity Theft Affidavit. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. I am asking the verification documents be sent to my above address. 
I am requesting that you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX
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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My mortgage was with The Money Source Inc. Before I had even  made my first payment the sold the mortgage to XXXX XXXX . I  was made aware of this change XX/XX/2020 and my first payment on the loan is due XX/XX/XXXX ( 3 days notice ). I would like to report that his is in clear violation of the National Affordable Housing Act which requires at least 30 days written notice of such a change. I find this to be unacceptable due to not having adequate time to investigate my rights in this matter.
Product: Credit reporting or other personal consumer reports

After learning that my information was leaked in XXXX 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to XXXX, XXXX, Transunion and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit file that is preventing me from refinancing my mortgage and purchasing a new car despite REPEATED disputes and communication with the company that they account and transactions were a product of identity theft. The company has refused to follow the laws under the FCRA and FDCAP in multiple negligent and willful violations however to avoid going the litigation route and seeking monetary compensation as afforded to me under the law I am trying one more time to get this account deleted with this complaint. The account in question is : Name : Midland Credit Management Account : XXXX Account Type : Open Account [ XXXX XXXX ] | Installment [ XXXX ] Account Type Detail : Open Account [ XXXX XXXX ] | Debt Buyer [ XXXX ] Bureau Code : Individual Date Opened : XX/XX/XXXX Balance : {$6100.00} High Credit : {$6100.00} Last Reported : XX/XX/XXXX Comments : Placed for Collection Date Last Active : XX/XX/XXXX [ XXXX XXXX ] | XX/XX/XXXX Despite the fact that there are clear discrepancies in the data between the three major credit bureaus the fact that Midland has completely ignored and disregarded the identity theft reports that have submitted in writing and verbal communication that this account is being disputed and no where is there any listing of the account being under dispute is a violation 15 U.S. Code 1681s-2 further its a violation of 15 U.S. Code 1681e ( b ) and for Midland 's refusal to comply under 15 U.S. Code 1681n and 15 U.S. Code 1681o. Further they violated my rights under 15 U.S. Code 1681n ( b ) ( B ) as they obtained my consumer report under false pretenses and knowingly without permissible purpose.

Pursuant to 15 U.S. Code 1681a ( 3 ) these accounts should have been removed from report immediately after the FTC reports ( yes I have submitted Identity Theft reports ) were submitted to substantiate the identity theft claim. Midland has claimed that I needed to fill out their form and get a police report however we both this is not only a stall tactic but goes against what the federal law requires when disputing an account under identity theft. This entire process has been beyond stressful and infuriating as this is demeaning my character and I have been harassed about paying a debt that is not mine further violating my rights under the FDCPA. I have attached the reports that have been submitted and hope that being forced into the light instead of being able to hide in the shadows with their blatant disregard for the laws that they KNOW they are required to follow will put an end to this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

The cares act has been in continuous effect since XX/XX/XXXX. 

Nelnet ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 

Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... Nelnet is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXXXXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I called Experian to ask why an old paid-after- charge-off account was still on my credit report given it was time-barred under XXXX  XXXX. A representative told me that the relevant account would not be removed until XX/XX/2018 based on the way that Experian interprets the relevant statute. 

I am writing this on XX/XX/2018 ( and past regular business hours at Experian 's main office ). Although several business days have passed after Experian 's calculated age-off date of XX/XX/2018, the relevant account remains on my Experian credit report, ordered under an hour ago. 

I had hoped to solve this problem with a phone call rather than go through the dispute/reinvestigation process because that can take another 30 days, and no " investigation '' is needed -- an Experian employee need simply look at the relevant date on the account. Unfortunately, Experian has a practice of screening its callers in order to prevent people who have previously complained about state and/or federal law violations from being connected with a customer service representative.
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 Account Number : XXXX 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 reporting, credit repair services, or other personal consumer reports

What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.