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

I entered a bill pay to send my credit card payment through Chase 's online bill pay. I entered the name of my credit card company, their address, and the amount of almost {$700.00}. I submitted the payment, but it never got to my credit card company. I called Chase and told them that the customer service rep that the payment never was received. They said that it was sent electronically, not by check. I told them that the payment was never received by my credit card company. Chase sent me a confirmation of payment and told me that I needed to contact my credit card company. I contacted my credit card company and they searched for the payment and had no record of that amount in any of their accounts. I called Chase back and asked to cancel the bill pay. The person told me that they couldn't because they got confirmation that it was received. I told them that it wasn't received and I wanted to cancel the transaction or dispute it. The person at Chase told me that I couldn't dispute it and that I had to work with my credit card company to find the payment. I told them that they can't find something that they never got. The Chase rep told me that they couldn't help and couldn't open a dispute for it. After spending several hours on the phone with Chase reps and reps from my credit card, I couldn't get any help. Finally I spoke to someone I know and they looked at the confirmation that Chase sent me. The trace number on the confirmation is supposed to start with the RDFI 's routing number. Looking it up, it doesn't match any bank. Even after speaking to someone at the Fed Reserve, the person confirmed that the trace number is wrong because the first part of it doesn't belong to any bank. After over a month of calling Chase multiple times, I was finally able to get someone to dispute the transaction. I still only have a temporary credit, despite this happening back on XX/XX/2018. There are so many things wrong with this situation. First, there is a Reg XXXX violation for Chase refusing to open a dispute regarding the transaction. Second, Chase is violating the NACHA rules for using an improper trace number. Lastly, there has to be a UDAAP violation for Chase taking customer 's money and not doing anything to get it back when it goes to no one. I have a friend who banks with Chase who recently had similar issues with Chase 's bill pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of the thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with its federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a43. ak open end consumer credit plan as late for purposeXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number : XXXX, XXXX is a fraudulent account type. Terms 1 Months is inaccurate please remove this account from my profile.
Product: Debt collection

Enhanced Recovery COL - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXXXXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed Outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by Federal and State law to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S. Code 1001 Additionally. These misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.
Product: Debt collection

This is a follow-up complaint to CN # XXXX ; which was not my Bankruptcy but the mess from XXXX XXXX problems!?! Due to your help earlier help with this matter I hadn't heard from XXXX XXXX XXXX , XXXX until a few months ago and I have again with this filiing attached the latest correspondences! I hope you have the information on the US State Departments Ruling against XXXX  XXXX XXXX and all the other Financial Institutions. I spoke with XXXX  XXXX XXXX a couple of years ago, now, and they told me I was going to receive a letter as was on the internet on that Settlement where XXXX agreed to " Forgive the Illegal HELOC Loans '' from XXXX that XXXX took over! I even had a family member that got one of the letters and they were posted on the internet of which I tried to make a copy of one of them, but couldn't get it to print! So, I know it exisited!?! Also, if you look back at my original filing on this matter, I never approved this HELOC, if fact I thought I had refused it all together, as the documents had many pages of questionable changes, modifications, and pages I never saw or signed or had the opportunity to Refuse under the Federal Guidelines of all Mortgage Loans!?! I was going to noted that also I still have not ever gotten one reply to how they ever have come up with the total amount they claim is owed on this Loan either!?!
Product: Student loan

Federal Student Loan servicers are not updating student enrollment information. We, as a school, send out enrollment verifications every week to the XXXX XXXX who then updates NSLDS. Servicers are not getting the information from NSLDS to update students accounts and are telling students they are entering repayment or their Grace period ; but they are currently enrolled. 

We have tried to speak with the servicers but they will not talk to us. We send enrollment verifications directly to them and deferment forms, but student accounts are still not updated. Students have payments due in XXXX now but they are enrolled through XXXX or XXXX and have been enrolled here for years. 

Servicers we have seen this issue with include MOHELA, XXXX, XXXX XXXX XXXX, and XXXX.
Product: Mortgage

We have called have emailed the documents that they requested and keep asking for the escrow to be removed. We pay our own taxes, and insurance policy. 
called once a month for the last 6 months. 
. Emailed the company XX/XX/XXXX { attached 2 ( two ) pages showing the following. The XXXX notice of assessment from XXXX XXXX, XXXX Wyoming to the county assessor that this property is not real property, we are asking again the escrow charges be removed from this loan we pay taxes on the land only and separate taxes on the trailer house XXXX XX/XX/XXXX asking for the escrow charges be removed, because we pay our own taxes and insurance policy information. The emailed included 4 { four } documents per their request and they still refuse all of our requests to set loan Straight. 
This loan was FOR LAND ONLY ( loan opened in XXXX ) by XXXX XXXX for the total amount of XXXX ( XXXX ) This loan has been sent to 10 ( ten different creditors since we opened ) Now today Fay Servicing has added escrow charges for taxes and insurance. 
every month on top of interest and principal. My XXXX is a XXXX Veteran, so our taxes are exempt, reducing the amount we pay on the Land Only and our XXXX XXXX,. Our total amount our loan is now {$91000.00}. We pay {$600.00}. dollars every monthly, never late always on time. 
This loan has caused a finial burden on our family, and we can not continue PAY FOR THE ESCOW CHARES. We have always provided any document they requested.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Transunion requesting an investigation on information being reported on my credit report, They FAILED to respond and to investigate, thats a violation of my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification was stolen due to an clerical error by the Texas dmv & XXXX data breach. 

Wells fargo, for the past year refused to use common sense, approve my personal loan so I can move back to XXXX XXXX, where my identification is valid. 

I was born in Texas, had to change my name os my social security card, I have an statement from XXXX from XX/XX/XXXX : I can use my statement to get my personal loan approved. 

I'm an XXXX XXXX XXXX employee since XX/XX/XXXX. 

I open my account with Wells fargo XX/XX/XXXX less than 2 weeks later I filled an police report with the XXXX XXXX, Tx police department XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are giving my information out to these debt collectors which is illegal in order to get a compensation for me which I do not owe
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. 

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


15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Product: Student loan

I received American Education Services private loan information from my credit union back in XX/XX/XXXX. This entire time I believed American Education Services was my loan originator. I sent them a letter in XX/XX/XXXX to settle the current debt owed which is {$24000.00}. I have two separate loans that are on one account and I make one payment of {$270.00} each month. My offer was to settle the balance with a one time payment of {$18000.00} and for it to be charged off the account and set as paid in full with no penalty. I called American Education Services later in the month to see if they'd received the letter and they said yes. I asked when would a decision be made. The representative did not have answer because it was sent to the loan originator. I was told that XXXX was the loan originator. I asked the representative what XXXX stood for and she could not tell me. She also mentioned that I am on a variable month to month interest rate. This month ( XX/XX/XXXX ) my rates are 7.61 % and 7.36 I XXXX XXXX   and found it is XXXX XXXX XXXX. I tried to locate contact information for the company and could not. I called American Education Services one week later to obtain XXXX 's contact information and was informed that I was not allowed to have the loan originators information. I am requesting assistance with settling my debt through this loan originator. I have been paying on this loan since XX/XX/XXXX. Thanks in advance for your advice and assistance.
Product: Debt collection

I had XXXX XXXX XXXX. My policy lapsed. I paid to renew it and they still sent notice to collections even though it was paid
Product: Debt collection

I have purchased service & phones with XXXX onXX/XX/2023. We canceled the services on XX/XX/2023 due to false information provided by agent. i returned the phone too but they keep sending me {$3000.00} bill. i have spoken to customer service they said i won't be charged but they haven't resolve this issue. i went to XXXX store ( Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Manager name is XXXX. I also called the customer service ( lady name : XXXX ) and they have verified that I have returned phones in warehouse. They gave me ticket # XXXX. they send this bill to collection agency ( I.C system Inc ). they don't have any information regards to my bill. they are only talking if i can make any payment.
Product: Debt collection

a letter was sent to my job to start taking money out my pay from adept collecter all i know its from 1998 i never receive any court papers to apear.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous communications and promises of resolution, the unauthorized charges persist, causing me significant distress and inconvenience. 

Not only have these unauthorized transactions caused financial strain, but they have also consumed an excessive amount of my time and energy in repeated attempts to address the issue. Moreover, the uncertainty and anxiety surrounding the security of my account have had a profound impact on my overall confidence in your company 's ability to safeguard my interests. 

I demand immediate and decisive action to rectify this situation. I expect a thorough investigation into the root cause of these unauthorized transactions and concrete steps taken to prevent their recurrence in the future. Furthermore, I insist on a full refund of all fraudulent charges incurred, along with appropriate compensation for the inconvenience, stress, and time wasted as a result of this ordeal. 

Please provide me with a detailed plan of action, including timelines for resolution and ongoing updates on the progress made. Restoring my faith in your company 's commitment to customer satisfaction and security is paramount, and I eagerly anticipate your swift response and resolution to this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Debt collection

I had a car loan with their firm. The car was totaled in an accident and the insurance company contacted Westlake Financial for a pay off. The received payment and I signed the car over to the insurance company. Several weeks later I received a bill from Westlake Financial stating I owed a balance. I was not certain how this was possible as they are the ones who gave the pay off amount, and if there were additional funds they should let the insurer know. They kept sending me a bill, charged late fees, kept calling to collect. Even after my repeated requests to send documentation explaining why I would owe and not the insurer they failed to do so and continued with the calls. They ultimately listed it as a charge off on my credit. I received a call from them occasionally, and stated my same request, to no avail. For some reason the past two weeks they have been calling me non stop, 7 days a week, all hours of the day and evening. I have gotten in excess of 10 calls a day. Sometimes when I do answer they hang up. Other times when I do answer I explain to them I would like written documentation of the debt, and also all communications to be in writing. They have failed to do so.
Product: Debt collection

Portfolio Associates filed a lawsuit in the XXXX County Court of Common Pleas XX/XX/XXXX. The attorney representing Portfolio was XXXX XXXX whose offices are in XXXX South Carolina. They filed a complaint and summons on XXXX/XXXX/XXXX. I filed a timely answer on XXXX/XXXX/XXXX in which I disputed the validation of the debt. On XXXX/XXXX/XXXX Portfolio filed a motion for summary judgment without providing any proof of the Debt, the age of the Debt, the amount of the Debt, the interest rate, and other material information about the Debt. On XXXX/XXXX/XXXX Portfolio Recovery Associates filed another motion for Default judgment and the motion was granted. 

I contacted Portfolio 's attorney who filed the original motion back XX/XX/XXXX. XXXX XXXX offices informed me my file had been transferred back to Portfolio Recovery and I would need to contact them directly. 

I 've attempted on multiple occasions to contact Portfolio about the status of this judgment without success. Each time I am transferred from what they call the litigation department to collections. 

Based on the XXXX XXXX findings of the CFPB this judgment was obtained under fraudulent means. Based on the consent order, this judgment should be vacated and all collection efforts should be ceased, however Portfolio continues refuses to speak with me directly about this matter. 

Judgment # XXXX
Product: Debt collection

I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One of a fraudulent application submitted with her information without her consent. An inquiry was made into her XXXX, XXXX  and XXXX  credit report related to that application XX/XX/2018. A formal dispute of that application was then provided to Capital One to have that inquiry removed. Rather the read the information provided Capital One named the fraud investigator to a non-existing account. Capital One has done this same activity several times in the past and this continues to put the information of our clients and the public in danger. Capital One is in violation of the FCRA and my clients consumer rights.
Product: Debt collection

I have been a victim of identity theft since XX/XX/XXXX a person name XXXX and XXXX also stole my identity he has been audited by the tax examiner XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request a copy of alleged obligation of debt owed by the incorporated XXXX XXXX. Frivolous information was sent to me, which is a None Response. Without this information it is fraudulent to report negative remarks on my open-ended credit account,. XXXX XXXX credits funded this account and it is fraud inducement to change currency from credit to fXXXX XXXX XXXX  without full disclosure to the consumer. I have been had my negotiable instrument for {$720.00} " rejected '' without reason, although I was told by XXXX in collections it would returned if not accepted. I considered this account paid in full. Also, Navy Federal does not have an opt-out of a privacy disclosure option, this is a violation of Consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not or have not ever lived in North Carolina my ex-wife and her family is from there but I have never lived there I have never been there but yet I keep getting hard inquiries from there I believe that my ex-wife is using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXXXXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Equifax it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.