23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I visited XXXX 's on XXXX/XXXX/2016 to purchase lunch for myself and a coworker. The bill came to {$11.00}, which I paid with my CapitalOne Mastercard. 
I logged into my online account on XXXX/XXXX/2016, and when reviewing and reconciling account activity, I observed a second transaction dated XXXX/XXXX/2016, also from XXXX 's, in the amount of {$17.00}. I double-checked my receipt and then placed a call to CapitalOne customer service to inform of the incorrect billing and to dispute the charge for {$17.00}. The female representative was distracted and repetitive. I clearly explained the nature of the dispute, and informed her that I could provide the receipt showing the correct amount. It took me numerous attempts for her to send me a secure link to upload the receipt. 
Two days later, I received a request to contact CapitalOne. I promptly contacted customer service again, where after another very frustrating conversation with a representative who was again distracted and repetitive, I became irritated. She connected me to a supervisor, who informed me that my previous dispute for an incorrect charge had been opened as a dispute for fraud, and that she must invalidate my card. After clarifying again that the dispute was due to an incorrect billing and not fraud, the supervisor placed me on hold for about 5-8 minutes. She then agreed to correct the previous dispute, but refused to acknowledge the previous rep 's incorrect actions, or take ownership of the clear need for training. 

This company needs to provide adequate training to representatives, and when an employee error is identified, to take ownership of how such an error impacts customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I was offered and applied for an American Express XXXX XXXX XXXX card in XXXX XXXX with a XXXX miles bonus. I received the card a couple weeks later. I then met the requirements as AE acknowledges. But upon inquiring through a chat on XX/XX/XXXX about when the miles would be put in my account, they right then and there determined through a chat conversation that I was not going to receive the agreed upon bonus miles due to a list of possible reasons -- none of which seem warranted and were basically a laundry list of possible reasons of why I might be ineligible. AE had ample time to review my credit history before they accepted my application for this card and included bonus miles. They also should have notified me when they determined that they were going to break the agreed upon offer. THEY made me the offer, and I accepted. Unethical business practices like this need to be corrected. I feel I am owed the XXXX XXXX XXXX XXXX or equivalent cash reimbursement. Thank you for any help you can give. XXXX XXXX. 


Excerpt from chat of laundry list of POSSIBLE REASONS for denying bonus miles : I appreciate your patience. Upon checking your account it appears that your welcome offer has been declined. Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer.
Product: Checking or savings account

I just received alert from XXXX that an account had been opened at JPMorgan Chase On XXXX, JP Morgan Chase reported a bank account opened with your SSN.

Company : JP Morgan Chase Reason : Inquiry Inquiry Date : XX/XX/2023 Phone : ( XXXX ) XXXX I tried calling the number and you can not get a customer service person unless you provide an account or credit card number. I then googled JPMorgan Chase Fraud Dept and after trying 3 different numbers, and finally XXXX finally gets me to the " Fraud Department '' and the XXXX XXXX I spoke to XXXX XXXX who said he couldn't give me an other details to identify him except his Managers name ( Jaise ), whom he would not transfer me to and XXXX has no ability whatsoever to as someone who is supposed in JPMorgan 's Fraud Department to identify the account and close it... 

XXXX was more focused on being as absolutely condescending as he could possible be instead of listening to me explain I HAVE IDENTITY THEFT ON MY CREDIT REPORTS SO HOW EXACTLY DID JPMORGAN JUST allow someone to OPEN AN ACCOUNT!? XXXX 's response was to begin to explain to me how a checking account is opened. Seriously. HE ASK ME FOR NOTHING but my SSN, so how the ___ he could verify that I am the person with the SSN when I just told him someone opened an account fraudulently. 

So, to JPMorgan Chase. I did not open an account with your bank... ever. AND I request you provide me the information needed, where the account was opened, what State, what identifying information was used so I can file a new police report and notify the FTC that JPMorgan Chase is opening accounts for people 's whose credit reports are flagged for identity theft. 

And yeah, what was XXXX 's answer. Call tomorrow. Talk to someone else.
Product: Debt collection

I previously sent a letter to the company requesting validation of the debt in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation of a debt upon request. My original letter is attached for your reference.

In response, they provided a bill that : Does not include my signature.

Fails to provide a date indicating when the debt originated. 
Lists amounts owed that do not match what is reported on my credit report. 

This incomplete response does not satisfy the requirements of XXXX XXXX. XXXX. I have attached all relevant documents for your review and request that this matter be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act 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 XXXXXXXX ( account numbers are inaccurate ) 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.
Product: Mortgage

On XX/XX/XXXX my mother XXXX XXXX XXXX passed away leaving me the home. My mother left me all the proper documents awarding me the home in the event of her passing, I XXXX XXXX am the XXXX of the XXXX XXXX, successor Trustee of the XXXX XXXX XXXX dated XX/XX/XXXX Then was granted title and ownership of the home located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX I also posses all letter of administration as the successor to the property Including Affidavit- Death of Trustees Including Last will and Testament. 

Since my mothers passing I have been in touch with Fay Servicing to assume the loan thru a loan modification or repayment plan. Since then, Fay Servicing has had multiple foreclosure sale dates on the property regardless of my day in and day out of working with them to resolve this issue. I have submitted for a XXXX XXXX XXXX XXXX with Fay servicing at least XXXX to XXXX times and each time they deny the loan for different reasons. 

Most recent, we submitted for loan assistance on XXXX On XX/XX/XXXX we received a letter stating they had received our COMPLETE LOSS MITIGATION APPLICATION and my file was under review, On XX/XX/XXXX I spoke to Fay Servicing where they had advised the file was declined for assistance, no reason as to why was given they had advised us to wait for the letter in order to appeal the decision. 

The denial letter was never received as stated it was sent by Fay Servicing, I called XXXX XXXX XXXX Assigned Relationship XXXX with Fay Servicing ) she stated she would look into the matter and get back to us, XXXX XXXX XXXX did not provide us the reason for denial until today XX/XX/XXXX she also mentioned we only had 14 days to appeal the decision and with foreclosure being set for XX/XX/XXXX there is nothing they can and foreclosure will continue on this date. 

During the period of XX/XX/XXXX till date of XX/XX/XXXX we placed at least XXXX call to XXXX XXXX at XXXX XXXX ) XXXX and to her XXXX XXXX XXXX at XXXX XXXX never to receive a call back until we where passed our time frame to appeal the decision, I feel this was done purposely in order for Fay Servicing to foreclose on my home. 

I feel Fay Servicing purposely kept us in the dark and falsely declined my XXXX submissions for assistance in order to foreclose on my home, Also believe Fay servicing engaged in dual tracking while I was actively trying to seek mortgage assistance on my home. Case and point the foreclosure date of XX/XX/XXXX was active the entire time I was in review. 

I ask the CFPB to look into Dual Tracking and Illegal practices performed by Fay Servicing to foreclose on my home I intend to file suit against Fay Servicing. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

STUDENT LOAN : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report TransUnion even after your investigation I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

I refinanced my HSBC loan with a new bank in XX/XX/XXXX. HSBC Unjustifiably charged me {$3400.00} at the closing date. HSBC stated that this amount was belonging to my outstanding unpaid fees from XXXX loan modification. HSBC it is stating that its previous loan servicer, XXXX, did not include {$3400.00} in the final loan modification amount, therefore, this amount should have been paid at the time of future refinance. The executed note Modification agreement in XXXX clearly stated that all unpaid amount including interests and unpaid fees are summed as my new loan balance. There have not been any signs of additional amount {$3400.00} anywhere else. Within the last five years from XXXX HSBC never communicated nor disclosed that such amount {$3400.00} had existed. Therefore, I can conclude that such amount did not exist. And, even if HSBC is stating that his previous loan servicer forgot to include this amount in the loan modification agreement this would be a serious mistake solely caused by the HSBC previous servicer. HSBC should have gone after his incompetent servicer for HSBC lost money not after me as an honest consumer which have no control over the servicer 's mistake. I agreed to sign the loan modification agreement based on the facts and contractual information which were clearly disclosed. I would not have signed the loan modification agreement if {$3400.00} was included in the first place. Therefore, at this time, I request HSBC to pay my money back as soon as possible. As it can be inferred from media and public information sites, this is not the first time that HSBC is causing such errors and violating good faith lending practices. As a customer, I should be protected, and my voice should be heard. HSBC failed to make its own fiduciary on time assessing its third-party wrong doings. Again, the said amount, {$3400.00}, if existed should have been disclosed to me within much earlier time but not on my refinance day. I believe justice will prevail at the end especially in our beautiful country, USA. Again, I demand HSBC to release my money and amicably resolve this issue internally as soon as possible. Thank you.
Product: Debt collection

XXXX has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.
Product: Credit reporting or other personal consumer reports

Im not sure how the credit bureaus did their verification method and investigation process but I strongly believe that they have furnished these accounts under a wrong credit report. 

XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$10000.00}
Product: Debt collection

Omega RMS  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  Omega RMS  is using deceptive practices to collect money from me and they need to be investigated.  <P/> I obtained copies of my credit reports and noticed a listing from  Omega RMS . I did not authoriz e Omega RMS  to obtain my credit file . Omega RMS  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sen t Omega RMS a v alidation letter to prove that they own this debt they claim I owe.  Omega RMS  then sent me old statements from various companies with dates from   XXXX  .  Omega RMS  did not send me a purchase agreement, bill of sale or any type of proof that  Omega RMS  is legally entitled to collect anything from me. To this day,  Omega RMS  is still reporting this account on my credit file and trying to collect money from me.  Omega RMS  deceptive tactics are malicious and intentional.  <P/> The account I am referencing is :  Omega RMS  Acct #  XXXX  ...
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo line of credit and credit card is appearing on my credit report. Both accounts are paid off and effecting my credit negatively.
Product: Debt collection

Scammer acting as debt collection agency. Various people online have had the same or similar tactics used on them. Someone posing as XXXX from Shepherd Outsourcing looking to collect a debt from " my '' XXXX account. I have never had XXXX and they're no longer in business after their merger. There are links in the text message I refuse to click and a missed call from an unknown number using ( XXXX ) XXXX. They have an 888 number in the text that is ( XXXX ) XXXX. With a Reference # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2019 this company incorrectly reported my account as delinquent. They then reported my payment current for XX/XX/2019 but report XXXX XX/XX/2019 delinquent. After learning this I contacted the company and on more than one occasion was assured it would be corrected. Apparently they had misapplied a payment but the information they reported was inaccurate. A supervisor agreed to remove all delinquencies. The account was closed. To date they have not removed these delinquencies. My account has always been paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with CCBXXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to XXXX XXXX. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Student loan

I originated two consolidation loans through Navient on XX/XX/XXXX  when I called in to just get a simple forbearance. I was talked into doing a consolidation loan by the rep stating my 4 loans would be out of default. After receiving my finalized documents and reviewing what loans were consolidated my balance increased significantly. After reviewing the numbers, I observed that four loan amounts that were cancelled by two different schools and returned to lender were added into my consolidation loans. An Accounting error on Navients End! I brought the issue up with Navient immediately and called them several times. One Representative saw the discrepancies and even stated they needed to be fixed and the finance team would be dealing with it. I was told after several more phone calls that the finance department would correct these amounts and get me new loan amounts. About a month later I received another letter stating two additional loans would be added to my consolidation loan! Loans I don't even recognize. Furthermore, after eight years of waiting they still have not fixed my balance and now my loans have doubled due to the incorrect balance and the interest accrued on them. I have tried to reach out to XXXX to have these corrected and to no avail. All of this information can be seen where the discrepancies are on my student aid report and loan agreements with Navient where you can clearly see the cancelled amounts by the school and Navient assuming the original loan amounts and making me responsible for funds that were sent back to begin with. All of the accounting is there and is available on my original student aid report, and it was a clear as day mistake on Navient 's end. On top of all this an additional $ XXXX loan that should have been cancelled from XXXX college was added by Navient into my consolidation loan even further increasing my balance. XXXX had closed it's doors and three of my loans were already cancelled completely no problem except for this one! My original balance is XXXX and it should have been {$2700.00}! About a {$6800.00} difference from the get go plus the added interest for 8 years for that incorrect amount.