23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates ( PRA ) issued a wage garnishment through XXXX XXXX XXXX for {$1200.00}. This was paid to XXXX XXXX XXXX on XX/XX/2021 via wire transfer and was acknowledged as paid in full by both XXXX XXXX XXXX and PRA. On XX/XX/2021, PRA sent me a letter stating that there was a balance due on the account. I contacted them and spoke with XXXX, who stated that the account was paid in full. After filing a dispute with the credit bureaus due to the information being inaccurately reported, PRA issued me a statement on XX/XX/2021, claiming that I still had a balance on the account in question for {$22.00}. I contacted PRA once more, spoke with XXXX, and she stated that the account shows as paid in full, but until I paid the {$22.00}, they would continue to issue a statement showing the balance. On XX/XX/2021, I received a letter stating once more that the account was paid in full, and that the balance is {$0.00}. Now once again, on XX/XX/2021, I received another statement from PRA claiming that there is a {$22.00} balance on the account. When I called PRA, and spoke with XXXX XXXX? ), and explained that I have communication stating that the account is paid in full. She stated to me that " unless I paid the balance they sent me, they will continue to contact me on the matter ''. When I explained that I have several letters dated from XXXX and XXXX that state the balance is paid in full, she proceeded to tell me that I " need to just pay the XXXX money the system says I owe ''.
Product: Mortgage

I read about deferring a payment with Bank of America due to Covid 19, I had had XXXX XXXX XXXX and asked if that would apply. I was told yes and was told all by phone that they would just tack the payment on at the end of my mortgage and that it WOULD NOT, effect my credit. Well that was a complete lie because they are now saying that I owe that payment now and it was in fact sent to the credit bureau. I have explained their mistake and they refuse to budge. I never would have deferred if I knew this to be the reality. Hoping you can help. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response letter that says I am being represented by a credit repair company and they are requesting a copy of documents. I am not being presented by a credit repair company and I will attach all the necessary documents needed here. Here are the accounts I disputed : XXXX XXXXXXXX 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/2022
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft, I have submitted my information to the credit bureaus over and over for several months, including my IDs and law enforcement reports. They just ignore me and do nothing about it, and it has been way more than the 30 days by law. 

The accounts listed here are all fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5300.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

Accounts incorrect that needs to be deleted : XXXX XXXX - Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX XXXX XXXX XXXX ( original Creditor : XXXX ) - Account # XXXX XXXX Account # XXXX
Product: Credit reporting

XXXX off I do n't owe these petty criminals XXXX anything. They intentionally committed fraud and deceit. Painfully obvious by the XXXX XXXX payback they stole from there customers. These clowns have taken me to XXXX seperate collection agencies. NOW I just seen a fraudulent claim in my experian credit report. XXXX refused to get accountable, now these petty thieves think they can harass and scam my credit file. This is criminal.
Product: Student loan

Hello, I saw a news article XXXX I never knew about your agency for filing complaints. I got the runaround dealing with my student loans and thought you should know how extensive the practice of cheating borrowers is/was. 
XXXX Sent : Friday, XX/XX/2013 XXXX Subject : NelNet email sent via NelNet web site My loan was paid off in full. In fact, NelNet owes me a refund of MORE THAN {$750.00} dollars which was sent to NelNet by the prior loan servicer, after the loan was transferred because the prior loan servicer did not apply my payment to the correct loan. I just found out today that although my loan is fully paid off, that NelNet took $ $ from my checking account on XX/XX/2013 in the amount ot {$86.00} causing me to have returned check fees and unpaid checks that I had proper funds to pay before NelNet took money they were not authorized to take. What is going on??? I want my refund, and I want a letter to explain to my bank so my return check fees can be adjusted accordingly. 
XXXX Complaint lodged with Ombudsman for Federal Student Aid XX/XX/2013 My loan servicer used to be XXXX. I sent {$2000.00} to pay off loan XXXX and instead they paid off loan XXXX and wrote REFUND DUE since the {$2000.00} way exceeded the amount left on that loan. Then, I called them to request they apply it to the correct loan. They said that they would, and instead TRANSFERRED the loan to Nelnet. After they transferred the loan, at the WRONG interest rate, they verbally informed me that they sent the REFUND DUE amount of {$750.00} to Nelnet. Nelnet claims they have not received it. I paid off the complete balance that Nelnet claimed in full and total. So, although they still owe me money back, Nelnet took an automated payment out of my personal checking account in the amount of {$86.00} on XX/XX/2013 causing bounced checks and return check fees. ( ACH Transaction - DEPT EDUCATION STUDENT LN {$86.00} ) My account is way overpaid and they 're still taking funds? I have contacted Nelnet on more than one occasion to no avail. Please assist me in clearing up this matter. 

Thank you. Your request has been received by the Ombudsman officeXXXX XXXX
Product: Checking or savings account

hello, we had a business checking account with US bank. Back on XX/XX/2018, we found out that 5 of our checks had been stolen from the post office and were altered and cashed/deposited in someone elses name, other than the intended party. The amount totaled {$22000.00}. We contacted US bank to let them know and ask why they had approved these checks to be paid out to XXXX  XXXX XXXX, when you can VERY CLEARLY see these checks had been altered. They said it was very obvious fraud and they do not understand why they cashed these checks when it is very very very obvious these checks were altered, ( check images attached, you can clearly see someone used white out to change the name, the line where the name goes isn't even in tact ) which leads us to believe, someone at one of the banks was in on this scam. US bank   said they will open an investigation and get our funds back from XXXX XXXX XXXX. After almost 1 and a half years of getting the run around from US bank, they finally told me XXXX XXXX XXXX is not responding back to them about returning the funds so there is nothing US bank can do for me. They want me to eat the almost {$23000.00} loss because of something they did wrong. We did ABSOLUTELY nothing wrong, the banks need to examine the checks before giving the " OK '' to be cashed. US bank failed to ensure the checks are legit, before cashing them, so therefore they are responsible for the checks, not the customer!

We demand US bank sends us the funds in the amount of {$22000.00} due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurately reporting on to the credit i have to believe it is not mine.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. Specifically, I dispute this account : XXXX XXXX XXXXXXXX
Product: Credit reporting

I disputed a judgement which is not mine with this company # XXXX and they have not responded. I need confirmation they removed this inaccurate listing. Can you please help me find out?
Product: Mortgage

Fifth Third Bank did not request the approval of the attorney invoices before Honorable Judge XXXX. 

The judge did not approve additional invoices for payment and dismissed the case with prejudice. 

After Honorable Judge XXXX Dismissed the Foreclosure case XX/XX/year>. Fifth Third Bank added a Foreclosure fee of {$1700.00}. 

I do not believe this fee is invalid and I should not have to pay it. 

Adding the fee pushes me back to my mortgage being past due. 

I do not have {$2800.00}. I have written a letter to the bank, and now the bank has collections calling my cellphone. 

I wrote a letter to the bank and no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my Experian report from XXXX on XX/XX/2020. I did not authorize this. I did not move or apply for any new apartments in 2020. There is no online mechanism to dispute this on Experian. There was another unauthorized pull of my credit on my XXXX report for a XXXX credit card that I similarly did not apply for around the same time. Suspect identity theft.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request and Notice of Violations Dear LVNV Funding LLC, I am writing to formally request validation of the alleged debt that you have reported to my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to request full verification of this account.

Request for Validation Pursuant to 15 U.S.C. 1692g ( b ), I request the following information : 1. The original creditors name and contact information.

2. A copy of any contract, agreement, or instrument bearing my signature as proof of obligation to the debt.

3. A full account history, including all payments, fees, and charges.

4. Proof that LVNV Funding LLC has the legal right to collect this debt.

5. The date of the alleged debts last activity and charge-off date.

6. Proof of compliance with all legal notification requirements prior to credit reporting.

Laws Violated by LVNV Funding LLC 1. FCRA Violation Lack of Permissible Purpose ( 15 U.S.C. 1681b ) LVNV Funding LLC has furnished negative information to my credit report without my consent or a legally permissible purpose. Debt collectors must have a legitimate reason before reporting to credit bureaus.

2. FDCPA Violation Failure to Notify Before Reporting ( 15 U.S.C. 1692g ( a ) ) Under the FDCPA, a debt collector must send a written notice within five ( 5 ) days of first contact. I never received a notice informing me of my rights, including my ability to dispute the debt.

3. FCRA Violation Failure to Provide Notice of Reporting Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) A data furnisher is required to notify the consumer at least 30 days before reporting negative information to a credit bureau . I was not notified before the account appeared on my report.

4. FDCPA Violation Misrepresentation and Unfair Practices ( 15 U.S.C. 1692e and 1692f ) If LVNV Funding LLC reported an invalid or unverified debt, it constitutes a deceptive and unfair practice under federal law.

Request for Immediate Action If LVNV Funding LLC can not validate this debt with proper documentation, I demand that it be removed from all consumer reporting agencies.

If LVNV Funding LLC has reported inaccurate or unverifiable information, I demand an immediate update and deletion of the erroneous data.

If LVNV Funding LLC continues to report unverified information, I will explore my legal rights. Also note your compliance officers/office will be contacted and notified about your actions.

Please send all requested documentation within 30 days of receiving this letter. If you fail to comply, I will assume the debt is invalid and demand its removal from my credit report. 

Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX Without Prejudice
Product: Bank account or service

On or about XXXX XXXX, 2016, I elected to open an account with PNC Bank. I was told I would receive a bonus of {$300.00} if the following requirements were met by 60 days : Deposit {$5000.00}, make XXXX debit transactions and send a payment for any amount. I checked with the bank in XX/XX/XXXX after completing the requirements. I was told the requirements were met and the bonus will be added to my checking account. At 60 days, I contacted the bank to check the status and was told the bonus was not attached to the account. The bonus would be in my account no later than XXXX, XXXX, 2016. I called the bank and was told I did not qualify because the {$5000.00} was simply deposited at a branch and the bonus required a business check. I feel deceived because the bank held my money and now refuses to honor the bonus. Adding insult, the bank will charge my account {$25.00} to close the account because 180 day has not elapsed. The marketing rules for the bonus were not fully discloseddisclosed!!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter concerning the accuracy of the information on my credit report, specifically in regard to the loan accounts listed below. According to the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) and various consumer protection laws, it is imperative that you physically verify the existence and authenticity of each loan account before reporting it on my credit profile. 

Account Details : XXXX XXXX XXXX XX/XX/XXXX, XXXX {$210.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$10000.00} XXXX XXXX Services XX/XX/XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2100.00} As a responsible consumer, I have taken the necessary steps to review my credit report and identify potential inaccuracies. It is my right as per the FCRA to request verifiable proof of the loan accounts in question, which should be in the form of original, signed customer contracts ( promissory notes ) bearing my signature. By complying with this lawful request, you will be demonstrating your adherence to consumer protection laws and ensuring the accuracy and fairness of the information in my credit report. 

In light of the importance of accurate credit reporting, I demand that you promptly investigate the validity of the disputed accounts and provide me with the required verifiable proof within the timeframe specified by the FCRA. Failure to do so will result in a violation of my consumer rights under the FCRA and other relevant laws, which may lead to legal consequences for your organization.

Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data.

According to the Metro 2 guidelines, you are obliged to report accurate and complete information, and upon receiving a dispute from a consumer, you must conduct a thorough investigation and correct any inaccuracies promptly. Therefore, I request that you take immediate action to verify the disputed accounts and, if unable to provide verifiable proof, proceed to delete them from my credit report in accordance with both the FCRA and the Metro 2 laws. 15 USC 1692 ( C ) I understand that resolving credit disputes is a legal obligation for credit bureaus, and I expect your full cooperation in this matter. Please provide me with written confirmation of the initiation of the investigation and the results thereof, along with any necessary corrections made to my credit report. 

Thank you for your attention to this matter. I trust that you will handle this dispute in accordance with the laws and regulations set forth to protect consumers like myself. Your timely response and resolution are appreciated.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a complaint against Cash App regarding the closure of my account on XX/XX/2019, without any clear reason. The sudden closure of my Cash App account has caused significant inconvenience and financial distress. As a long-time user of Cash App, I have relied on its services for various financial transactions. 

In XX/XX/2019, my Cash App account was abruptly closed, depriving me of access to funds and hindering my ability to send or receive money. Despite numerous attempts to seek clarification from Cash App customer support, I have received no satisfactory explanation for the closure of my account. 

The lack of transparency and communication from Cash App regarding the closure of my account has left me feeling frustrated and powerless. I firmly believe that this action by Cash App constitutes a violation of my consumer rights. 

I request that the Consumer Financial Protection Bureau intervene in this matter to investigate the closure of my Cash App account and ensure that appropriate measures are taken to rectify the situation. I have attached relevant documentation, including communication with Cash App customer support, as evidence to support my complaint. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the reinstatement of access to my Cash App account. Please feel free to contact me at the provided email address or phone number if further information is required. 

Sincerely, XXXX XXXX
Product: Debt collection

This is an addendum to case # XXXX As previosly stated XXXX promised to manually remove and close account from their system. On XXXX XXXX, 2015 I received a collection letter from a company called " afni '' located in XXXX, Illinois requesting payment. So XXXX account was forwarded afterall.I demand monetary relief.
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a recent data breach, which has compromised my personal and financial information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the blocking and deletion of specific fraudulent accounts and inquiries from my credit report. 
The compromised information has resulted in the appearance of unauthorized accounts and inquiries on my file, detailed below. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5900.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

Synochrony Bank issued a XXXX XXXX XXXX XXXX in my name In XXXX. I did n't receive the card until XXXX and was not able to activate the card either by phone nor on their website so I did n't use it. I received a letter from them the middle of XXXX where they stated they would send my card to collections if I did n't pay by the next due date which was XXXX XXXX. Again on the XXXX I tried to activate my card both by phone and by their website but kept getting caught in a phone circle saying they could not find my information and asked me to input the information again. There was no option to ask for customer service nor was there another phone number provided on their letter, their website, nor the card itself. Their online registration stated the information I provided was incorrect, it was n't. Finally after the XXXX or XXXX time trying online it gave me a message that my birth date was incorrect ... .they had incorrectly put it into their system. By the time I found this out, their offices were closed and I had to wait until Monday the XXXX to have them fix their error. Getting to their customer service department was a nightmare ... without any options provided I tried dialing XXXX to get an operator, that failed so I just ignored all of their numerous requests to state why I was calling and that FINALLY caused them to route me to customer service. Unfortunately, once there the service rep fixed my birthdate in their system but I was told I would have to deal with their collections department to make my payment as my account had been sent there. I paid the account in full and explained the situation to the person I spoke with, they stated they Would Not take the credit collection note off my credit report, even though the error they made caused me to have the account go to collections ... Their mistake, they should reverse their collection notice on my credit report ... .Very unhelpful people to deal with.
Product: Student loan

When I recertified my Income Based Repayment plan, I selected that my income has significantly changed from the last year, but XXXX still forced me to upload tax returns. They ended up using my wife and my joint return to recalculate my payment. However, we just had a child and my wife is solely commission based and has not been working. As a result, or family size has increased and our income has drastically decreased. When I received the new monthly payment, which was four times higher than the previous year 's, I called to have the payment re-calculated. After explaining my situation on 11/19, that individual told me to upload my pay stub and to request a recalculation, which I did. She also told me to not pay the increased payment, because my XX/XX/XXXX invoice would be re-calculated. When I called today, XX/XX/XXXX, I was told my payment can not be recalculated and now because we can not afford the payment this month, my only option is a 30 day forbearance which adds approximately {$6000.00} in principal and interest to my total balance. The representative even apologized that the previous rep made a mistake in misleading me about the payment.