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

Key Bank sent the card to wrong address, it was there error. I couldn't get them to mail me the card caused me to miss 6 weeks, {$6000.00} In unemployment. Was brutal.
Product: Debt collection

This company has called, sent letters  XXXX   2016 , I told them this was not mine but someone elses. They are not bonded to collect debt in Texas.
Product: Checking or savings account

Hello. 

On XX/XX/year>, I received a call from a Bank of America number and the representative was saying that he is calling in regards of some suspicious activity on my account, some transactions, and if I would like to stop them I have to give him a code that he is going to send me as SMS. He sends the SMS  and I gave him the code right away. After about 15min I realized that this might be a scam or fraud activity and I jumped on checking my bank account and I discovered that there are already XXXX wire transactions going out of my account. At this point I called Bank of America customer Service right away and I asked them to stop those XXXX already unauthorized wire transactions, while being on the call with customer service, XXXX additional wire unauthorized transactions occurred that I asked to be stopped as well. Total amount transferred out of my account was in XXXX transactions was {$120000.00} Bank of America realized the funds even after I called them right the way and told them that this is the scam activity and I do not authorize the transactions.

They opened a claim instead and told me to wait up to 90 days to get the claim resolved and to get the funds reimbursed.

After 90 business days I received a latter from Bank of America in my mail that the claim was not honored.
Product: Money transfer, virtual currency, or money service

Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) whether Bank of Americas conduct was unfair ; and ( vii ) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is denying me access to credit report. They have denied me through multiple websites. I have not been able to access my credit report or score since last year.
Product: Credit reporting or other personal consumer reports

The credit companies drop my score @ XXXX because of the XXXX bankruptcy. I have not missed any payment since XXXX and the had that on record for almost 7 years and they still bring up, after they try to get to join boost or get one of their credit cards. Its Equifax and XXXX not sure of XXXXXXXX XXXX I believed that I am being bully because the hold all the cards! This all just happen in the last 2 to 3 weeks.
Product: Debt collection

I mailed a certified letter to " XXXX XXXX XXXXXXXX XXXX '' on XX/XX/XXXX requesting debt validation and to cease all collection activity from reporting to the credit bureaus until debt validation is received. The certified letter was delivered XX/XX/XXXX, but on XX/XX/XXXX they still reported a missed payment on my credit.
Product: Student loan

On Friday, XX/XX/XXXX I received an email from PHEAA/FedLoan Servicing admitting to legal liability for failure to adhere to my Standing Instructions for my Federal Student Loans, during the period of service between XX/XX/XXXX and XX/XX/XXXX. Furthermore, in the final paragraph of the XX/XX/XXXX communication, PHEAA explicitly opened the door to further liability regarding additional issues with my account which may have been unrelated to standing instructions. Following my submission of supporting documentation, I have received a single check in the amount of XXXX to cover the failures in relation to my Standing Instructions. However, I had since documented numerous other forms of financial harm unrelated to Standing Instructions the XXXX} payment was clearly incomplete and inadequate compensation for the harm I have suffered. As a notable example, in XX/XX/XXXX, my loans were re-assigned to XXXX without my consent, following PHEAA 's unilateral decision to exit the federal student loan servicing segment. Following this unplanned transition, my federal student loan balances disappeared altogether from my consumer credit reports, and were only re-applied in the end-of-year context for XXXX. In the meantime, I was attempting to purchase my first home for my household, and was challenged to obtain full and accurate documentation to substantiate my loan balance and prove that I was a borrower in good standing in order to complete the mortgage approval process. Despite my repeated attempts to pursue further monetary compensation from PHEAA, I have been consistently stonewalled. On Friday, XX/XX/XXXX, PHEAA again sent me an email asking me to provide documentation that I had already submitted two months ago. I finally received a third notice earlier today stating that my case had been closed and if I had an issue with the closure to contact PHEAA customer service. I wasted nearly an hour today on the phone with PHEAA team member XXXX ( employee ID # XXXX ) who continued to insist that she could do nothing for me and that I had to contact XXXX, or otherwise the Department of Education to confirm the correct contact information for my current servicer/borrower relationship. XXXX 's malicious insistence that I could only pursue recourse from non-PHEAA representatives was further confirmed when I was told that XXXX 's supervisor from XXXX was present but categorically refused to speak to me since I was not an active PHEAA student loan customer. Since this entire framework to provide contact outreach and fair compensation persons for federal student loan borrowers such as myself explicitly arose as a direct consequence of PHEAA 's earlier unilateral decision to exit this line of business, the attempt of PHEAA to defer providing reasonable compensation can not be logically disputed and the firm is clearly defaulting on their legal obligations per their contact with the Department of Education, which governs their service work on my behalf and the current and future legal consequences of their specific failure to perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted Lexis Nexis via mail with the enclosed letter to request they validate a total of 8 accounts ( 4 which were bankruptcies ) they were reporting. On XX/XX/2023 I received the enclosed Reinvestigation results from Lexis Nexis which shows that ( per pg 8 of the Lexis Nexis attachment ) only 3 bankruptcy records were validated via Pacer but does not specify which records exactly were verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has also violated the California XXXXonsumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXX ( XXXX ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and XXXX. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Mortgage

I reached 80 % LTV and PenFed did not want to cancel my PMI without getting a current estimate. This is not clearly written on their mortgage website, being very vague of the requirements. When I asked for clarification, after much back and forth starting on XX/XX/2024, they then referred to XXXX XXXX XXXX  policies. I decided to pay down my loan to 78 % to have thhe PMI automatically removed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on their webpage also unclearly states that " the date the principal balance of the mortgage loan is first scheduled to reach 78 % of the original value of the property '' ( p. 194 ). This is confusing in two ways. First, it could be read that when it is first scheduled to reach 78 % of the original value of the property ( or the loan of {$280000.00} in my case ; 78 % = {$210000.00} ), the PMI would be automatically removed. Second, it could be read that when the mortgage loan is first schedule to reach 78 % of the original value ( the house was originally valued at {$310000.00} ; 78 % = {$240000.00} ), the PMI would be automatically removed. The CFPB website also makes this policy unclear XXXX XXXX XXXX XXXX XXXX XXXX ). These sorts of policies should be clearly stated on the mortgage servicer ( PenFed CU ) website and should be easily communicated to consumers.
Product: Debt collection

I am not liable for this debt with XXXX. I do not have a contract with Jefferson Capital Systems LLC, they did not provide me with the original contract as I requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i received a survey online from capital one and submitted it in regards to a issue i had at a branch. Needless to say the survey was not in their favor resulting in all of my accounts being restricted and closed with funds still frozen in my account.It has been about two months no one will talk to me either on the phone online or in person. None of my answers were never answered and i was never even given the courtesy of a answer. I live on Social security XXXX and was never been able to access my payment from last month.I had to struggle and go hungry because this rude XXXX XXXX banking establishment had no courtesy or regard for me and my situation.
Product: Debt collection

Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I have disputed the alleged collection with XXXX and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I am writing to formally address concerns regarding the handling of my personal information, specifically in relation to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), under 15 USC 1682b, and the identity theft provisions under 18 USC 1028A and 15 USC 6802. 

1. Fair Credit Reporting Act ( 15 USC 1681 ) : As a consumer, I am entitled to receive accurate and complete information regarding my credit history. If there have been any inaccuracies or unauthorized entries in my credit report, I request an immediate investigation and correction as per the provisions of the FCRA.

2. Disclosure of Consumer Information ( 15 USC 1682b ) : I would like to remind you that under the provisions of FACTA, any consumer reporting agency may furnish a consumer report only under certain conditions. If my information has been shared without my consent or in violation of the law, I demand that this practice cease immediately, and that I be notified of any disclosures made.

3. Identity Theft Protections ( 18 USC 1028A ) : The unauthorized use of my personal information constitutes identity theft, which is a federal crime. If my information has been compromised, I urge you to take appropriate measures to prevent further unauthorized access and to notify me promptly of any such incidents.

4. Privacy of Consumer Financial Information ( 15 USC 6802 ) : I expect that your organization has taken the necessary steps to secure my personal financial information. If my information has been disclosed without my consent, I request a full accounting of the parties involved and the measures taken to protect my data.

Please provide a written response to this letter within 30 days, detailing the actions you will take to address these concerns and ensure compliance with the aforementioned statutes. 

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

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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX with equifax for a collection account in the amount of {$850.00} with XXXX XXXX. The account opened date is being reported as XX/XX/XXXX. However, the XXXX delinquency on said account is being reported as XX/XX/XXXX which is completely impossible. Equifax responded that the dispute was verified, but that has to be inaccurate because in order for the delinquency to be correct, the account wouldve have to have been opened prior to that date.
Product: Debt collection

I recently received a statement from the IRS claiming I suddenly had a {$900.00} tax bill from XXXX. The year I 'm writing this statement is XXXX. Apparently, Credit Acceptance filed a XXXX for an account I may have had 15 years ago. I 'm not really sure when I had an account but I know for a fact that I have n't had an account with this company within the last 7 years. I am in the process of buying a home ( timing could n't be more perfect ) and I 've been monitoring my credit for the last 5 years to qualify for a mortgage. Therefore this claim would have shown up. 

Credit Acceptance claimed over {$3800.00} of my debt was forgiven. Thus leaving me with more income than originally stated, creating a {$900.00} tax bill. These types of bogus accounting tactics should be removed from our court systems.. I have faith the IRS will investigate the legitimacy of the false claim, however Credit Acceptance 's financial records need to be reviewed with a fine tooth comb. 

If anyone reading this has suffered the same fate, you can file a XXXX complaint ( XXXX 'Form XXXX ' ) with the IRS and maybe everything will work out ....
Product: Mortgage

XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles??
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

I got a loan with XXXX and a portion of my loan was deposited to a savings account. I signed a contract with Seedfi stating I would receive the amount in my savings once I paid off my loan. Unfortunately XXXX sold my account to Systems and Services Technologies on XX/XX/XXXX. I paid off my loan on XX/XX/XXXX and My bank cleared the payment the next day. I was told by one of SST 's customer service representative my savings would be deposited in 14 days, another said 22 days and another one said on XX/XX/XXXX. I still have not received my savings and now another representative said I would would receive it on XX/XX/XXXX ( XXXX business days ). 
They sent me an email on XX/XX/XXXX stating my account was paid on XX/XX/XXXX which is not accurate and has me thinking they put a later date to delay depositing my savings. 

The following is information from my savings account statements provided by XXXX : My first statement Beginning Balance, as of XX/XX/XXXX : {$0.00} Deposits and Other Credits : {$2000.00} Ending Balance, as of XX/XX/XXXX : {$2000.00} My last statement Beginning Balance, as of XX/XX/XXXX : {$2000.00} Deposits and Other Credits : {$0.00} Ending Balance, as of XX/XX/XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a 60 day late inaccurately on my XXXX XXXX XXXX loan and I was able to get this corrected on the other 2 bureaus but not this one.