23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a private student loan from JPM Chase inXX/XX/XXXX orXX/XX/XXXX. I began making monthly repayments in XX/XX/XXXX but towards the end of XXXX I stopped receiving bills from JPM Chase. In hindsight, I believe they must have been using an outdated address in mailing out my bills. But given that I was in the process of getting reenrolled in college around that same time, I assumed my payments were simply placed in deferment/forbearance, as my other lenders do when I am active in school. 

It was not until I received an actual phone call in XX/XX/XXXX that I was alerted to my account apparently being delinquent, and being escalated to collections. I did not even speak with JPM Chase directly, but rather a representative from the debt collection firm had contacted me. He informed me that I did not have any option to resume monthly payments with JPM Chase, and that I MUST pay the outstanding balance in its entirety. 

I did not have the means to do so, and therefore I was compelled to take out a personal loan with my employer 's credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in order to pay off that balance, and I have diligently been making my monthly payments to the XXXX XXXX XXXX XXXX since XXXX. However, JPM Chase is still reflecting in my credit file as having delinquencies and as having been charged off and not paid in full. However, that is inaccurate - any lateness or delinquency in payments was due to not receiving bills from JPM Chase. And once I was directly contacted, I immediately acted and had the loan balance paid off in full through another personal loan, and have been keeping my monthly payments with that new servicer.
Product: Credit card

On XXXX XXXX XXXX XXXX  claimed to have delivered an item to my home address. But no delivery was made on that day. I have checked our XXXX and questioned everyone in our home, but there was no delivery trace. I checked my XXXX app to report the situation, but I was advised to wait at least two business days because sometimes couriers mark an item delivered before they do. I waited three days, and nothing happened. Between XX/XX/XXXX and XXXX, XXXX I called and chatted through the app with XXXX to notify them of the situation and get a resolution. But they kept XXXX  ( excuse my XXXX ). 
As a result, I reported the incident to Paypal Credit on XX/XX/. I continued to dispute and contact them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX Paypal Credit claimed to have received proof that I had received the item and continued to seek payment. As a result, I closed the account and requested a copy of the evidence they claimed to have so I could pay them ( In case I have lost my mind ). As of today, I am still waiting to receive evidence that supports the PayPal credit claim. But PayPal Credit continued to send me bills with penalties, Interest, and other ridiculous charges. Also, PayPal Credit continued to supply credit bureaus with derogatory remarks on my credit profile. 

The Fair Credit Billing Act ( FCBA ) requires PayPal Credit to investigate a dispute thoroughly. But they failed to do so and continued to make a decision consistent with a description of discrimination. They also could not establish a factual obligation that requires me to pay them. 

Remember, the account was closed on XX/XX/, to the satisfaction of Paypal Credit.
Product: Mortgage

Brother in law took out a home inprovement loan and then became XXXX. He fell behind in payments and his brother discovered home was in foreclosure. on XX/XX/XXXXwe contacted the Mortgage company who passed us around to their lawyer, and Public Trustees office. on this date we explained we had the funds to cure and pay off the loan and requested the cure and payoff numbers be provided to have home release fron foreclosure. n onXX/XX/XXXX we reached ot to congressmen XXXX 's office for assitance after we were told it would take 14 days to get the figures requested, The sale date was set for XX/XX/XXXX and we did not have 14 days. Congressmen XXXX 's office did assist us getting the cure to stay until XX/XX/XXXX. I have contacted the Mortgage company several times since and I have been given several different stories and excuses on why we have not received the information request. I have faxed the Power of Attorney twice, hung up on several times and not once have I spoken to the same person. the home is valued at XXXX to XXXX and we believe the Mortgage company is stalling so they can sell this home for a profit. We have the funds to payoff the loan and it is our desire to do so. Please note during the last two weeks our Brother was XXXX and then went to XXXX XXXX to get his strength back and has no funds of his own to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a report concerning Equifax, XXXX and XXXX are currently reporting accounts that are in XXXX. All laws are being violated According to XXXX XXXX XXXX XXXX. I need all accounts DELETED immediately. My rights are being violated.
Product: Money transfer, virtual currency, or money service

I received what appears to be a legitimate paypal email XX/XX/22 at XXXX at the email address through which I am registered with PayPal XXXX It was a notification that I had been invoiced for {$490.00} by a company called XXXX XXXX. I am not familiar with this company nor have I made any purchases in that amount recently. The seller note listed in the email says : " Seller note to customer You have successfully made a transaction for your Ethereum ( ETH ) Using Paypal, you Charged the amount mentioned in the invoice. This transaction may take 12 hours to appear in your Bank Statement. Do give us a Call for any dispute regarding the Payment and issue a Refund at XXXX ( XXXX ) XXXX '' I do not know what Ethereum is nor do I see the transaction listed in either my paypal or paypal credit account. Again, the email does appear legitimate, coming from XXXXXXXX and lacking the XXXX  misspellings of many phishing emails though I did note the odd capitalization of certain words. I did not click on any of the links listed in the email, but contacted PayPal directly about the incident. They were unable to provide adequate assistance, directing me to simply forward the email to XXXX. I did as directed but I do not feel as though the issue was being taken seriously.
Product: Debt collection

I originally received a warning which stated Gurstel Law Firm was going to be garnishing my wages on XX/XX/XXXX. I promptly reached out to them to confirm the debt was mine as I did not recognize the debt. I was attempting to purchase a home at the time so I was very aware of my credit score and any debt owed. While calling I was transferred to the attorney, XXXX XXXX. Through confirming my SSN and date of birth we had come to the conclusion that it was not my debt owed and it was my father 's debt. My father and I, unfortunately, have the same name with the exception of XXXX and XXXX. I was told by XXXX that he would make note of it and all was cleared and notice was sent to not garnish wages. 

XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that Gurstel Law Firm would be garnishing my wages once again, for the same debt with the same file number. Clearly, XXXX did not make a note in the file. I immediately reached out to XXXX to resolve the issue. He was not available. XX/XX/XXXX I was able to get in contact with XXXX again and he was not as pleasant. Through once again confirming my SSN and date of birth we found it was not my debt, once again. This time I asked what he was going to do to ensure I did not keep facing penalties of my father 's debt, to which he was unable to offer any definitive answer. I then informed him of how this is considered fraud, and in direct violation of the FDCPA to which he responded " I don't need to take legal advice from you. '' While, no, I am not licensed to practice law. I clearly have a better understanding of it than some of the attornies at the aforementioned collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and adversely affecting my livelihood. XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I made my final payment on this credit card ( XXXX XXXX XXXX a XXXX XXXX XXXX ) credit card, I was left with a XXXX balance. This company held that payment for 3 days just to make me late and charge a late fee. Knowing that I had a XXXX balance and never went on this site again till XX/XX/XXXX when I noticed what they did. Hold my payment and charge late fee in XX/XX/XXXX and XX/XX/XXXX. They refunded one but they need to refund both which they did n't do. Scamming Hurricane victims out of money is wrong. This bank needs to be stopped from holding payments and putting it thru just to collect late fee 's.
Product: Debt collection

there is 5 accounts with RashCurtis & Associ acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to XXXX that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}
Product: Credit reporting

I recently applied for a loan online and most of the websites that offer this services online, are confusing so I never understood when I applied for a loan or not because at the end XXXX or more windows popped up with more applications and they were all confusing, however the ones that I successfully submitted were denied. So I requested my credit report for the agency ( Clarity Services and XXXX XXXX ) and the one from XXXX XXXX is ok, but the one from XXXX Services came out with information that did n't make happy at all. The report says that my SSN is false!!! And all my information is real, I have a real SSN and a way to prove it. Also my name is spelled wrong, and I am sure I never used my name with " Z '', my name is XXXX and they used XXXX ( which means happy in XXXX ) So I called them but never answered the phone and I am very upset because the report is wrong and I have n't been able to get the loan I need for an emergency I have. Please help me.
Product: Credit reporting

THIS IS THE XXXX TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX, XXXX XXXXXXXX XXXX , XXXX XXXXXXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX , XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have reached out on number occasions on the phone to resolve this dispute that I was unaware was in collections in the amount of XXXX from American finance company, also a collections from XXXX XXXX XXXX in the amount of XXXX and also an inaccurate amount being displayed for XXXX XXXX XXXX  these companies are reporting inaccurate information to XXXX, XXXX, XXXX where it still remains unable to be verify accurate information for these accounts that have been marked as a collections/charge off every month still after a dispute letter still reporting inaccurate balances displayed there has not been any further update nor deletions after request to removed
Product: Debt collection

Equifax is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. Equifax is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!
Product: Vehicle loan or lease

I sold my vehicle to a dealership on XX/XX/2021, the finance company Exeter Finance received the payoff on XX/XX/2021. On XX/XX/2021 I cancelled my extended warranty and was told that the refund of XXXX was being sent to me. On XX/XX/2021, I realized that Exeter had accepted my refund. It is now XX/XX/2021 and every time I call a different supervisor gives me different answers. I still have yet to receive my {$1500.00}. Ive called twelve times and spoken to twenty different people. I want my money! Also, I was told the payoff would have been reported to the credit bureaus on the XXXX of XXXX and this has not occurred. Meanwhile I am without a vehicle due to not being able to finance until this shows paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Again Fails to Understand & Verify the 5 Items of My Dispute!

Does the TU staff ever actually read the letters I send, or do they just blindly crank-out response-letters that have absolutely nothing to do with the items in dispute?

Does the staff have the required training & knowledge to understand and comply with both FCRA 611 ( 5 ) ( A ) ( i ) and FCRA 611 ( 6 ) ( B ) ( iii )?

Or, are they just overloaded, underpaid and really don't give a rip?
Product: Credit reporting or other personal consumer reports

Hello attached you will find my complaint. Hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the Experian app and found 2 alerts ( XX/XX/21 credit inquiry from Experian for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from XXXX for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called Experian, XXXX, XXXX, and XXXX XXXX the morning of Sunday, XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX store and learned my phone number was highjacked and a fraud alert was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, INNOVIS FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
Product: Money transfer, virtual currency, or money service

Subject : Request for Assistance : Funds Withheld by Blockchain.com Greetings reader, I am writing to request your assistance in resolving a serious issue I am experiencing with Blockchain.com, which I have learned has impacted numerous other individuals as well. 

I have been a verified user on Blockchain.com since XXXX, but on XX/XX/XXXX, I made a {$2000.00} deposit to my account. Immediately after the deposit, I attempted to withdraw the funds, but the platform displayed an error message stating, Dont worry, your funds are safe. The next day, XX/XX/XXXX, I noticed that my account verification status had been inexplicably revoked. 

Since XX/XX/XXXX, I have been trying to resolve this issue daily. I submitted all required documents through their app, including a scanned XXXX passport and my XXXX  REAL ID ( front and back ). After receiving no resolution, I also emailed the same documents directly to their support team as suggested. Despite my compliance, my verification remains pending, and my funds are still inaccessible. 

I have proof of my previous verified status, the submitted documents, and all communications with Blockchain.com. However, the company has failed to provide clear communication or any meaningful resolution, leaving my funds effectively frozen without justification. 

This situation is deeply concerning, particularly because it appears to be part of a broader issue with Blockchain.coms handling of user accounts and funds. Their actionsor lack thereofraise serious questions about their business practices and regulatory compliance. 

I am reaching out to your agency as I believe this matter requires oversight and investigation to protect consumers like myself. I am happy to provide all relevant documentation to support this case. 

I would greatly appreciate your guidance on how to proceed or any steps your office can take to help resolve this matter. 

Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/2019 Synchrony Bank called my father-in-law for the third time, informed him that I was late on payments and owed money. They have my current address and phone number so they are unlawful contacting relatives and informing them of my personal business. They also contacted my brother-in-law on Friday XX/XX/2019 for the same issue and gave info about me owing them money. The law states they may only contact relatives in an effort to locate someone, however they have my current address and phone number and need to cease calling relative and providing personal information about my banking business with them. They are breaking the law..
Product: Credit reporting or other personal consumer reports

I want to temporarily unfreeze my credit report so that a prospective landlord can run a credit check. I DO NOT want to participate in free trials for paid Experian products, such as their personal credit reports. I tried unfreezing my file via automated phone tree, but the calls were wither dropped or redirected me to the website. I then tried using experian.com/freeze, but every login link that I try redirects me to the screen that tries to get me to order a free credit report. There is no way to bypass this. I downloaded the app, multiple methods of login fail due to an 'unspecified error '. Every part of this system is nonfunctional and I can't proceed with unfreezing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit Reporting Act XXXX XXXX Account # XXXX Has violated my right as a consumer. 
I never initiated nor authorized this account to be on my report.

15 USC 1681 Section 602 A states my right to privacy consumer reporting 15 USC 1681 Section 604 A states Agency Can not furnish my Account without my written instructions.
Product: Debt collection

XXXX XXXX sold this debt to another collection agency but Im unsure of the name. I made monthly payments and a few days before I completed paying off this full balance of XXXX they sold it to a new collection agency. Shortly after I made my last payment I started receiving call from this new collection agency asking for the full balance stating they were just sold this collection and I have to pay the full balance again. I explained to them that I already paid this balance off and this said I was still required to pay anyway because I didnt make those payments with them. I feel its unfair for me to pay this again after already being paid in full. At one point they did remove it from my credit report and Ive recently noticed it was placed back on there as if it was never paid. Im unable to give dates due to it being years old but Im 100 % positive this debt has always been paid.
Product: Mortgage

I receive notice of foreclosure on my deceased Uncle 's estate. I am an heir to the estate but it has not been probated yet. The estate has made numerous attempts to pay the mortgage and I have personally called the Bank and the banks attorney but they refuse to talk to me until we have gone to probate court. 
The bank is XXXX XXXX XXXX XXXX XXXX their phone # is XXXX. The bank 's attorney is XXXX, XXXX, XXXX, XXXX and partners XXXX phone # XXXX. 
My uncle is XXXX XXXX XXXX. We have tried to settle the mortgage but can't. I do not understand why we can not settle this without going into foreclosure. 
Thank you for any help in this matter. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXXXXXX ). Please investigate these errors and remove the late payments if these can not be verified
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates The Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15USC 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX  Account number XXXX ... XXXX XXXX  Account number XXXX .... 
XXXX  XXXX  XXXX  Account number XXXX ... .XXXX  XXXX XXXX  Account number XXXX has violated my rights. 15USC 1681 section 602 A States I have the right to privacy. 15U>S>C 1681 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt known to be inconvenient Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.