23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had XXXX loans disbursed to my account on XX/XX/XXXX and XX/XX/XXXX with a total balance of XXXX. I had another loan which I forgot the balance of but paid off. 

On XX/XX/XXXX I made a payment of XXXX. On XX/XX/XXXX I made Payments of XXXX and XXXX towards my loans. I made payments of XXXX and XXXX on XX/XX/XXXX. 

I called Mohela in XXXX because XXXX of my payments had not posted. They said it would be updated within 90 days. 

The balance still has not been updated, and my payment records are out of date. The money has left my bank accounts however. 

I tried calling again and had to wait an hour to get on a call. They put me on hold for another hour and I gave up. Terrible experience.
Product: Mortgage

On XXXX XXXX, XXXX, I signed a Home Equity with Bank of America. In XXXX, I filed a bankruptcy and I had to give my copies of my documents to the Federal Court in XXXX XXXX. Bank of America sent me a letter that my plan would change according to the documents, but I do not have my copy because I handed it to the Federal Court. Bank of America first sent a fax and it was unreadable. I called Bank of America XXXX XXXX, XXXX asking for a document that I could be able to read and they sent me would, but without my signature. Without my signature I do n't have proof that it was the original document. I also called on XXXX and XXXX to request a readable paper with my signature. so far Bank of America has mailed me documents that are impossible to read. their phone number that I made contact with is XXXX. I would like to know what are my rights. Borrower : XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a new Credit Card with XXXX XXXX ( XXXX XXXX XXXX . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card.
A letter was sent to me on XX/XX/XXXX Ref # XXXX stating I was approved the a " XXXX XXXX XXXX XXXX XXXX Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own.
Furthermore, the Equifax credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by XXXX XXXX  on XX/XX/XXXX Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades.
Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!
Product: Money transfer, virtual currency, or money service

I am writing to complain about an issue I faced with XXXX for the past 2 months. I have had checking account with Chase bank since XXXX. On XX/XX/XXXX at XXXX pm, I tried to XXXX {$2000.00} to the following individual : XXXX XXXX XXXX. 

However I accidentally clicked the wrong contact and they payments was sent to them. I immediately noticed the error and called the bank as the payment was in the pending status. It took approximately 10 minutes to connect and as soon as I was connected to the representative I told them the whole situation and logged the complaint. They clearly told me that they would contact XXXX and get back to me within 24-48 hrs and that once it had been taken care of they would take about 10 business days to get the money refunded. They unfortunately did not not call me back and I called them after 48 hours to get an update only to hear that they cant help me and that I needed to contact XXXX myself. Frustrated, I then called XXXX customer service. They did not pickup the phone. Also point to be noted is that there is a recorded message when you call them that that if you use XXXX then contact zelle BUT if you used zelle through online banking then you should contact your respective bank. Now I have XXXX saying they can't help me because I used them though Chase and Chase saying they can help Me and to contact XXXX. I also ended up emailing XXXX customer service as a last restart but aside from an automatic reply I got no response. 


XXXX case reference no XXXX dated XXXX XX/XX/XXXX. stating i should contact respective bank. 

I called Chase again on XX/XX/XXXX and scheduled a phone meeting while I was out of country. The chase banking XXXX spoke to was named XXXX XXXX. He said they could not do anything but would expedite my case for further investigation and request for refund. Once he expedited the case to senior management, I got call back again after few days and was told that they could not refund my money. 

I believe it is Chase banks duty to protect my funds and if they have integrated zelle app in their system they should setup safety checks as well to avoid wrong payment, it should be setup option for new payee and confirmation by text message and warning.

also How chase bank and zelle able to sync my all contact book to sync because there were many contact which i don't know personal as it may be belong to my workplace customers.

I am kindly asking for your assistance regarding this issue. Chase bank and XXXX have both been unable to help or provide instructions on what to do next. I now have a loss of {$2000.00} which isn't a small amount in this current economy. Thank you for taking the time to hear my case and I look forward to your response. 


Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error, I never authorized these inquires. I sent letters to all XXXX credit bureaus and they still not delete them. 
1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX None of them were done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/EQUIFAX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/XXXX/EQUIFAX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. XXXX/XXXX/EQUIFAX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.
Product: Checking or savings account

Yes I have contacted XXXX XXXX  XXXX? XXXX XXXX XXXX? Wellsfargo? XXXX aka XXXX? XXXX XXXX? XXXX XXXX? XXXX XXXX and several others reporting activity tbats being done in my name including 4 reports to XXXX XXXX the DMV a complaint with XXXX XXXX Sheriff 's dept and my drivers license are even being used and I cant get any help nowhere.
Product: Checking or savings account

I opened a CD account with Marcus Bank on or about XX/XX/2021 under account # XXXX. The CD is in the amount of {$250000.00}. On Saturday, XX/XX/2021, I received an email message from Marcus to notify me that this CD account had been closed. 

I called Marcus on Tuesday, XX/XX/XXXX ( the bank was closed on Monday for XXXX XXXX ) to ask what account was closed. I was told by the representative, named " XXXX, '' that the account was closed and that the {$250000.00} plus interest ( a total of {$250000.00} ) was withdrawn and the account was closed. 

Marcus could not tell me what happened to the account or where the money went. I was told that they would look into what happened and that I should contact them in a few days. 

My online account shows my two other accounts at Marcus -- a saving account and another CD -- but there is no record whatsoever of the CD account that was reportedly closed. 

It is too early to know if this was fraudulent or gross negligence, but in any event, Marcus was quite casual about my missing money. I want to make sure that I get my money back.
Product: Debt collection

I am a XXXX client in GOOD standing - I have NEVER been late on any payment. If I click on my portal access and review - EVERYTHING IS PERFECT. If I call their helpline - they ALSO CONFIRM that I am in good standing and NO OUTSTANDING AMOUNT. Yet keep on handing me over for DEBT COLLECTION on DEBT THAT I DO NOT HAVE. NOBODY can help me - and this is effecting my credit score severely! ( THE ONLY NEGATIVE REMARK ON MY CREDIT SCORE ) - I can not get vehicle finance ( or only very predatory ones ) - I believe I am an easy target since we are XXXX, and do not know the system well. PLEASE HELP! I've attached my statements for the last 4 months showing CLEARLY my payment history - and NO MONEY OUTSTANDING!
Product: Debt collection

I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old.  I was incarcerated when the debt went into default. I have not been notified of the debt from  XXXX   XXXX  or  XXXX ,  XXXX   XXXX   Protas, Spivok &amp; Collins, located in  XXXX  MD, until this time. The {$710.00} debt  has accrued other interest and fees over the years, totaling over {$1500.00}.
Product: Checking or savings account

Yes i open a checking account and saving account threw this company. I pick my debit card. They sent all my info to me and card. But they closed account due to my ip being know fraud they say. Which is XXXX. i check my ip and had tech check my ip and it is clear as day. So they lying. Didn't let me do anything with this account. They should just deny me from beginning. Bad business and not recommended.
Product: Debt collection

I called XXXX and asked them what my bill was gave them my card and paid them. A week later I am in collections with a collection company and I dispute it XXXX tells me all i need to pay is XXXX to restore service I have never gotten a bill to justify the debt since they said they would send it and never did. Another week later I hear from another collection agency this time saying that I owe over XXXX and to pay them immediately. I do not have a contract with this company nor do I owe them any money. I am still waiting on a proper bill today I receive a bill this time its in my husbands name and he has not owed nor had an account with XXXXXXXX in YEARS its like they look for names of people and send a bill. My husband does not have a contract with XXXX and if they are doing this to me the consumer they are doing this same foolishness to other customers. One account with different names then one account with three different numbers one account without a signature for the contract they are billing whomever and whatever to make profit off anyone in the household.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to these accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager XXXX  states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American  XXXX  XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Product: Student loan

Chase Student Loans service has held my wifes private student loan, however now they have sold it to a third party, but it is unclear where the loan is or what the balance is. Ive calculated that the loan was paid off over three months ago, however again, there is no way to know what the balance is of the loan. So now Im going back and forth between chase and XXXX and neither company is giving me answers.
Product: Student loan

I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Formal Complaint Against Radius Global Solutions LLC for Violation of Consumer Protection Laws Dear Sir/Madam, I wrote Radius Global Solutions LLC and requested debt validation pursuant to 15 USC 1692g . They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. 

I am writing to file a formal complaint against Radius Global Solutions LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that Radius Global Solutions LLC communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ).

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that Radius Global Solutions LLC communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).

Exhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that Radius Global Solutions LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ).

Exhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that Radius Global Solutions LLC used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ).

Exhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that Radius Global Solutions LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ).

These actions by Radius Global Solutions LLC are in clear violation of the FDCPA and my rights as a consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Radius Global Solutions LLC. I also request that the Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC 1692k, to compensate me for the harm caused by these violations. 

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

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally voice, my concerns with Zelle disputes particularly in light of the CFBP lawsuit. Despite using Zelle on multiple occasions and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately, apparently lost funds was not abled to get compensated for. Zelle failed to protect their customers. This lack of accountability and transparency is unacceptable
Product: Money transfer, virtual currency, or money service

There are two cases that have come up recently involving Paypal that has led me to believe that the company is unconcerned about consumers. Their incoherent rules and unwillingness to investigate suspicious behavior further ends up helping scammers rather than deter them. There is a reason scammers love to use Paypal to pull off their scams - they know they can use the company 's rules and general uncaring attitude against their victims. 

I have been the victim of two scams over the last year. In each case, I filed a complaint with Paypal ( see details below ). In both cases, Paypal ended up favoring the scammers. 

Paypal Case XXXX ( XX/XX/XXXX ) The scammer is posing on XXXX as a seller of sports tickets. The scammer claimed that they had tickets available for an event. I corresponded with the scammer via text messages. The scammer shared their Paypal e-mail address and agreed to send over the tickets once payment was received. As soon as I made the payment of {$150.00}, they stopped responding to my messages. Once I realized I had been victimized, I tried to stop the payment by claiming it was an unauthorized payment. Unfortunately, Paypal stated that because the payment was sent as a personal payment, they couldn't help at all. On top of that, they said that they investigated the IP addresses, which showed that I had made the original payment. They never bothered to investigate the scammer 's IP address. I feel that a consumer can very quickly find out once they have been scammed. Thus, by not allowing a user to cancel a transaction within minutes, it is allowing scammers to pull off these scams. 

Paypal XXXX ( XX/XX/XXXX ) This is a scammer posing on XXXX who wants to buy tickets. In this particular instance, I had posted two tickets for a sports event. The scammer made contact with me and purchased the tickets for {$210.00}. The scammer paid via Paypal, received the tickets, and there is proof ( from XXXX ) that the tickets were used at the event. A few days after the event was finished, the buyer claimed the Paypal transfer was unauthorized. They got their bank involved and were able to get their money back. The scammer refused to reply to my messages, pick up my phone call, or respond at the e-mail address that was used to receive the tickets and make the payment. In this case, Paypal refused to help me once again and simply took the money out of my account. 

As you can see from the above, Paypal is being abused by scammers to perpetuate their crimes. I know that consumers have to be careful, but Paypal is completely shunning their responsibilities as a financial institution. Paypal prides itself on being a company that values security and protects buyers/sellers. However, this is simply lip service. They care only about their bottom line. They are just as guilty as the scammers out there because Paypal provides them with an easy avenue to get money from their victims.
Product: Mortgage

Mortgage was collected 2 days early, on XXXX instead of my due date of XXXX resulting in two payments in XXXX. We are scheduled for mortgage auto drafts the first of the month, NOT the last day of the month. Its my understanding this isnt allowed. They cant change my contract at will?!