23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After an eventful year, filled with moving to a new state after having our XXXX  child, buying a new home, having my identity stolen and going through an unexpected family loss. My husband and I had been working hard to bring our credit utilization down so that we could improve our overall credit score and refinance our home/other debts to take advantage of the lower interest rates. Our plans were completely halted, when less than 2 weeks after completely paying down the balance of two of my Chase Credit cards ( I paid {$4500.00} on the Chase XXXX card on XX/XX/19 and {$3500.00} on my Southwest Rewards Chase card XX/XX/19 ) my limit was decreased to {$500.00} on both cards ( that is a difference of nearly {$7500.00} dollars ). When I called Chase to ask why my credit limit had been decreased so drastically, I was told it was due to a couple of late payments and credit utilization being high. I explained the situation of the crazy year we've had and asked that since we clearly were making strides in paying down our debts, if they d consider re-evaluating my limit to take into account my overall credit history, as appose to the this one transitional point in our lives. Their reply was that although the " periodic '' credit check was clearly at a bad time, given the significant payments made, they couldn't reverse the decrease without re-running my credit, which come to think of it now, wouldn't do much good given the damage they've already caused by lowering my limit so drastically. Also I explained that due to my identity being stolen, Id frozen all of my accounts w/all the credit reporting agencies. So in order for them to re-run my credit history, I'd need to unfreeze all of my accounts and pray that the person who stole my identity doesn't try opening a new account, as they review the same credit history they saw a month ago. Not to mention that my credit score takes another hit. Overall this was an incredibly punitive process for what I think they ( ironically ) called a " valued long standing Chase card holder.
Product: Debt collection

This is an official complaint against XXXX XXXX XXXX ( XXXX ) and its collection agency, Client Services Incorporated ( CSI ). On XX/XX/XXXX, I contacted CSI by phone to amicably settle my debt with XXXX. XXXX XXXX XXXX who is a Customer Service Representative with CSI took my incoming phone call. During my recorded phone conversation with XXXX XXXX, I was " ambushed '' with a bombardment of verbal abuse, constant harassment, malicious acts of intimidation and a strong sense of retaliation all because I failed to pay my debt to XXXX. Also, within the attached settlement letters of CSI, I was subjected to several deceptive, misleading and unfair collection efforts as I 've indicated below : ( 1 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI for a 30-day deadline of XX/XX/XXXX to settle my debt with XXXX. XXXX XXXX verbally agreed but he ultimately denied my request in writing by unfairly punishing me with a same day deadline of XX/XX/XXXX. See attachment letter. ( 2 ) On XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he verbally denied my request and he vindictively gave me a deadline date of XX/XX/XXXX. See attachment letter. ( 3 ) On XX/XX/XXXX, I verbally asked XXXX XXXX Payer of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX, but he rudely hung up the phone on me when I informed him that I would file a Federal Trade Commission ( FTC ) complaint against him and CSI. ( 4 ) On my 4th attempt to settle my debt, which was also on XX/XX/XXXX, I verbally asked XXXX XXXX XXXX of CSI to send me a correction settlement letter with a 30-day deadline date of XX/XX/XXXX. Fortunately, once XXXX XXXX learned that I would file a FTC complaint against CSI, he quickly agreed to send me a correction settlement letter with a deadline date of XX/XX/XXXX of this year. See attachment letter. ( 5 ) During my same above phone call with CSI on XX/XX/XXXX, I repeatedly asked XXXX XXXX to make an amendment to the below listed 2nd statement that is located on the first page of my CSI letter, but I was constantly denied. This following 2nd statement is extremely misleading and it clearly implies that I have to make a 2nd payment to settle my debt : " To accept this settlement offer, our office must receive the first payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Please be advised that I repeatedly asked XXXX XXXX to make the following correction to the above quoted statement, but I was constantly denied : " To accept this settlement offer, our office must receive the first and final payment by the date listed beside the initial payment on page two ( 2 ) of this settlement offer notice. '' Clearly, XXXX and CSI has engaged in a conspiracy to bully, deceive and invoke fear upon me in order to aggressively collect a debt. These corrupt activities by XXXX and CSI is a direct violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report : XXXX XXXX XXXX  XXXX Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragry ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report Your agency is in violation of 15 USC 1681 Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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: Money transfer, virtual currency, or money service

Made an erroneous transfer of {$10.00} ; XXXX to an account listed in my transfers available. I realized my error and called USAA. They said it was an active USAA account and there would be no problem retrieving the funds. They submitted a dispute. The result of the dispute was that it was a good transfer, they contacted the recipient, but could not recover funds and I would have to contact the recipient. I only have the last 4 digits from the account, so all efforts on my part to identify this account have failed. They did tell me it was established in 2005. They refused to give me any other information about the account and said I would need to take legal action to pursue any additional information.After hours on the phone and multiple false promises of additional action, Ive got no indication of resolution.
Product: Student loan

Fedloan servicing is terrible! I have met the XXXX qualifying payments and have been waiting for months to get notice of student loan forgiveness. There are frequent mistakes along the way that have only been corrected with repeated calls and my insistence. The past XXXX times that I have called, I have been on hold for close to 2 hours and the phone has hung on me without speaking to a person. This is the absolute worst customer service I have ever seen!!! Something should br done given widespread complaints and poor service!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints to Experian to delete information that is not mine. These accounts have been opened without my consent. i have never opened any accounts with 1. ( XXXX XXXX XXXX XXXX ) 2. ( XXXX XXXX XXXX XXXX ) 3. ( XXXX BANK XXXX ) 4. ( XXXX XXXX XXXX XXXX ) They have no record of me opening anything with these companies but keep saying it was verified but i did not open those accounts. My information was stolen and they refuse to delete these accounts off of my report. That is very illegal. This bureau wants to keep incorrect information on my report because they make money from from punishing bad things on my record
Product: Mortgage

I Closed on a home refinance with XXXX XXXX XXXX ( account number XXXX ) in XXXX of this year. I prepaid for some XXXX  and paid for insurance in full. Within a few months they transferred my servicing to Shellpoint Mortgage Servicing ( account number XXXX ). Then I get letters from my town that the property taxes werent paid and it was accruing interest. I called Shellpoint and they said that there wasnt any XXXX  money for it and I will not be charged the interest charges on the property taxes. Long story short, I receive a check in the mail from my insurance company because Shellpoint double paid. I immediately called Shellpoint to tell them to void the check and put it back on my account. It took a while and it was put back into my XXXX. I called Shellpoint to reimburse me for the tax interest money that they paid in my name because it wasnt my issue. They basically told me that its not their issue and I should XXXX  it with the previous servicer. Now XXXX stuck with a loss of money because of the servicing game these mortgage companies play. Theyre a nightmare to get ahold of but thats not the main issue here. 

Please help me with this. Its not about the money, its more about the XXXX  that large corporations take advantage of the little person. 

Thank you XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system leaving users, vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Mortgage

My mother had a loan with Bank of America ( Originally with Countrywide prior to takeover ). She passed away. I lived in the home prior to and after her death for 10 yrs. I made regular mortgage payments. I contacted the bank after death and provided them with a death certificate. I inquired about me placing the mortgage in my name and was told there was nothing I could do. I believed them at the time. I continued to make payments and live in my home. I went on to later find out I could get the deed changed to my name. I informed BOA and was told I couldnt get information on the account once again. I informed them of the deed change and was told that was told it didnt matter. The has nothing to do with the mortgage. I was later informed via letter that the home was approximately {$11000.00} in the rear, despite me making the monthly payments ( even paying over at times to apply to the principal ). I inquired about how that could be ( when had always made the payments ) and requested information of payment dates and amounts received. Bank of America refused to provide me with that information and stated I would have to reapply for the loan since my mother was deceased. The home was foreclosed on due to BOA making what I perceived to be fraudulent claims that the account was approximately {$11000.00} behind. I paid mortgage for 10 yrs. There was absolutely no issue with me continuing to pay the mortgage. BOA never had an issue with me paying the mortgage, until I inquired about placing the home & loan in my name for the second time. All of a sudden approximately {$11000.00} was due without any explanation or documentation provided. There was no struggle to pay mortgage. I filed the complaint under the title due to it having foreclosure as a topic.
Product: Credit card or prepaid card

This complaint is about 3 disputes, which the credit card company wrote to me about, but which the company can not tell me about when I call them. There are 2 parts to the complaint : 1. I do not know what these complaints are and I can not talk to the company about them because, when I call, they have no knowledge of them. 2. The company is wrongly applying consumer law to the transaction date. BACKGROUND : I am an American Express XXXX ( black card ) member and for this privilege I pay an annual fee of {$5000.00} - the fee is just for the card. I have been an American Express " member '' since 1983. American Express sent me 3 letters concerning disputes. None of the letters describe the disputes - they have only a dispute number on them ( see attached ), which requires me to call them to understand the letters. When I called today I was on hold for 25 minutes and finally spoke to a supervisor. The supervisor told me she could not tell to which disputes the letters referred and she could not help me. Each letter says my claim did not fall within the 60-day period so the claim is being denied. I believe these disputes may relate to 3 charges from airlines - but I have no way of telling for sure, because the card company can not find them. If the letters do refer to 3 airline charges, these were airline charges for future travel which has now been canceled by the airline, not by me. Thus the charges were for services not received and which will not be received and should be refunded. The card company is wrongly applying consumer law. The date of the transaction is the date of travel - not the date the advance charge for services appeared on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to the credit bureaus to validate accounts for the following : 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  No actions have been taken.
Product: Payday loan, title loan, personal loan, or advance loan

There payment system always had issues when trying to make debit card payments. I eventually was hit with XXXX XXXX  payments and they reported it but when I tried paying with a debit to instantly take care of payment there was always issues processing and you could never speak with a  XXXX  person, you have to send a XXXX  and wait.
Product: Credit reporting or other personal consumer reports

This is my formal complaint regarding the incorrect reporting of late payments by JPMCB Card Services to the credit bureaus. Payments that were made on time have been incorrectly marked as late in their records. This misinformation continues to appear on my credit report, unjustly harming my credit score and financial reputation.
Product: Credit card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Product: Debt collection

This debt collection agency has been calling family members multiple times a day, every day for a loan that was fraudulent opened. They have failed to prove the loan belongs to me. They are breaking the law with their constant calling of individuals that arent me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with my credit profile on Transunion and have been trying to work this out for years. 
I currently do not have a credit profile with Transunion, I do with all the other credit bureaus. 
I have been in the US for 8 years. I have a XXXX XXXX I have many bank accounts and credit cards, I pay taxes, I own a home. And yet, Transunion will not acknowledge my existence. 
I have repeatedly contacted Transunion and sent over via mail : proof of SSN, proof of residency and copies of IDs. Most recently Ive done so in XX/XX/2020. 
In an attempt to sort out the issue I recently spoke to a XXXX credit bureau specialist, as I use their credit card. He mentioned that hes seen issues with 2 letter names on Transunion. I then contacted Transunion again and they finally confirmed that there is absolutely no information being collected under my social security number, quite possibly due to my first name being only 2 letters. I was even told by the Transunion rep that my name is too short and in fact its not even a name, its a conjunction. 
My legal name is XXXX, its a very common name where I come from. I do not have a middle name or any other name I can go by. 
Transunion is saying that the creditors ( XXXX, XXXX, XXXX ) are the ones that need to send the information another way. The creditors are saying they are doing everything correctly and its Tranunions system that is blocking my account.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} FMILY XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX******** Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX******** Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX  XXXX Balance Owed XXXX {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer credit report I was shocked to see there were items that didnt belong to me so I contacted my bank to ask them to freeze all my accounts until further notice
Product: Checking or savings account

On my Bank of America EDD debit card, there where two fraudulent withdrawals on XX/XX/XXXX from an ATM for {$420.00} and XX/XX/XXXX for {$980.00} from and atm as well. On XX/XX/XXXX I made contact with b of a regarding the fraud, after getting a automatically generated letter disregarding my claim, I made contact on XXXX once again with Bank of America to re open my claim. The bank claimed they would send a letter regarding what is happening and reimburse me. It is now XX/XX/XXXX and no more correspondence currently.
Product: Credit reporting or other personal consumer reports

n 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. 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 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 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 item of information, other than records of convictions of crimes which antedates 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.
Product: Credit reporting or other personal consumer reports

ask for the dept validation letter, i was dnt have it or have to send it to me some dept they perchase of {$880.00}