23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>2022, National Enterprise Systems ( NES ) sent a settlement letter regarding an alleged debt to XXXX XXXX. NES failed to validate the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. NES has not provided evidence of the debt 's validity nor their authority to collect it. NES entered a settlement agreement with XXXX XXXX XXXX ( XXXX ) on XX/XX/scrub> 2022, acting purportedly as my representative. This agreement was made without my knowledge or consent, violating 15 U.S.C. 1692e ( 10 ) for false representation and 1692f for unfair practices. The XXXX provided by NES shows that XXXX was authorized only to negotiate and obtain records, not to enter into agreements on my behalf. Acting as an agent for XXXX XXXX, NES should have verified the extent of XXXX 's authority before finalizing any agreement. I insist NES consult with XXXX XXXX  to ensure the debt is accurately recorded with the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) and correct any inaccuracies in my credit report due to this unauthorized settlement.
Product: Debt collection

My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance XXXX {$460.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

This is an amendment to my previously filed Case number : XXXX. 
As I stated in original complaint about Best Buy Debt protection form, I have received the form on XXXX XXXX 2016, I filled it with whatever information I have and sent it by XXXX XXXX 2016. 
This is because I was checking with my XXXX about my eligibility for unemployment benefit. I talked to state unemployment agency and they finally registered me. Only thing I am worried about the consequences of this on my XXXX now. XXXX verifies about such claims and may disapprove my XXXX and may XXXX me and my whole family. Just wish to clarify this to BestBuy. I have attached copies for their reference with this complaint amendment.
Product: Checking or savings account

After reading the articles it is important the CFPB know that this is happening at other banks as well and that the banks are aware of the fraud and that the consumer is not being protected even when the Bank and XXXX are aware of fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Re : Claim XXXX Case XXXX Dear Truist Bank, Reference to your letter dated XX/XX/XXXX, you instructed me by letter and phone I could provide are rebuttal. I phoned Truist at the phone number provided and was informed I should obtain the rebuttal form my Truist bank. I arrived at the bank on XX/XX/XXXX, and was informed there is no rebuttal form. I am preparing my own rebuttal form since inaccurate information was provided to me. Truist is has been declining to refund my account in the amount of {$1800.00} because the implication is that I made the transaction. We informed the bank immediately that the transaction was not authorized by any party on the account. The Sheriff department has confirmed Truist they are not able to track the company or personnel that made the withdrawal. To be clear, Truist and XXXX were notified by Truist representative XXXX XXXX, that XXXX should not be on the second account. This was an error at the bank and not me the customer. Had XXXX been deactivated as requested there is a great chance the second transaction that occurred around XX/XX/XXXX, would have not been paid. XXXX. If we notified Truist and XXXX about fraud, why was any transaction allowed to go through without verification with the customer since this incident had just occurred 2.Imperative per Truist bank policy, Consumer Financial Protection Bureau XXXX CFPB ), once I reported the incident and changed my accounts and made every effort to correct the situation the bank knew it was fraud because I immediately notified both agencies of such. XXXX. I followed the bank instructions and changed my cell number and account at the bank. All communications were handled inside the Truist bank in XXXX including the fraudulent transaction that will still showing pending when I arrived at the bank. 
ISSUE Fraud or scam HAVE YOU ALREADY TRIED TO FIXTHIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATIONFROM THE COMPANY? 
No XX/XX/XXXX, XXXX XXXX  Complaint Print https : 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 checked the computer for intrusion, and notified XXXX on numerous occasions. 4. Notified appropriate Sheriff agency of the fraud and followed all instructions. 5. Imperative that Schedule E be reviewed and my rights as a customer be followed per Bank Policy and CFPB. The bank has refused to refund me even though I notified them immediately and had to close the account again. The bank and XXXX have the police report and were very aware it was fraud because of the first transaction as stated above was stopped and a new account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my JPM Chase branch I reported fraudulent activity on my Slate card ending in XXXX. They contacted Chase Fraud and closed the card. I then opened a new card. I paid the final bill in XXXX, XXXX. Apparently, despite the fact that the account was closed, JPMC continued to accept charges through XXXX. The card was closed and I had no visibility to it. In XX/XX/XXXX I was notified by the credit bureaus that my JPMC account was delinquent and that my credit rating was lowered as a result. JPMC did not contact me in any way to notify me that a payment was delinquent. On XX/XX/XXXX I went back to the branch ( see handwritten notes on the detail PDF ). The Private Banker verified that the account had been closed in XXXX and called JPMC Credit Card Services. They said they don't handle this and said to contact JPMC Security who said they don't handle this and said to contact Customer Claims and Disputes. They said Credit Card Services needed to handle it. Credit Card Services said that Security needed to handle it. The banker and I were both totally frustrated. I paid the remaining balance {$100.00} ) prior to leaving the branch. I wrote to XXXX ( attached ) but the issue remains unresolved to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 
And They also didnt even record the current status of the disputed information which is another violation. 
In 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 as well XXXXXXXX XXXX XXXX - account # XXXXhas violated my rights XXXX  - account # XXXX*has violated my rights XXXX XXXX XXXX - acct # XXXXhas violated my rights XXXX XXXX XXXX acct # XXXXhas violated my rights XXXX XXXX- acct # XXXXhas violated my rights XXXX- acct # XXXXhas violated my rights XXXX - XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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 FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately.

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally.

Proof attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by loan depot data breach by XXXX XXXX around XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX XXXX CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Product: Checking or savings account

I bought a counterfeit worth {$550.00} on XXXX on XX/XX/XXXX. I applied for a dispute with the bank and uploaded a lot of evidence with the dispute department, but the bank took back my refund On XX/XX/XXXX. 
Date of inquiry : XX/XX/year> Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX Chase bank
Product: Mortgage

My mortgage account was sold from XXXXXXXX XXXX  to Carrington Mortgage Services , LLC ( XXXX. XXXX XXXX ) XXXX, TX XXXX. 

Since my loan has been sold to Carrington Mortgage, I have experienced several incidents that have happened where the Company can not explain the misappropriation of funds that are being sent. After speaking with several representatives at the company, there is no one that can precisely explain why my monthly mortgage is not being applied and processed. 

1. I have several concerns with my monthly Mortgage money that has not been applied to my account. 

2. My monthly mortgage payment amount is being changed without any notification or justification.

3. The monthly amount that is being paid is not applied to the applicable areas appropriately ( Escrow, Principal, and Homeowners Insurance ). It appears on my statement that is broken down into separate payments and not applied entirely. 

4. Incorrect escrowing has caused a shortage of my property taxes.

5. Payments not being processed accurately or in a timely manner.

6. Customer service provides fraudulent information about my account, that contradicts my personal banking statements.
Product: Debt collection

To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with XXXX  XXXX XXXX XXXX. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX XXXX in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment.

Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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
Product: Checking or savings account

XX/XX/2020 an unauthorized charge was made on my Bank of America account in XXXX on my ATM debit card. The bank has not requested a signed receipt from the merchant and is denying my dispute claim. I have requested proof of an authorized or signed purchase i.e. a signed receipt.
Product: Debt collection

I am attempting to apply for another parent plus loan for my son in college. My fear is now because of this situation he will fall behind a semester or XXXX if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing portfolio Recovery. I reached out to them to get information. After second time calling I was told it was from XXXX. I tried disputing but was denied. I called XXXX to gather information and they don't have any information that is correct to any type of transactions I have ever done. XXXX couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.
Product: Student loan

I applied to consolidate my loans and enroll in the XXXX repayment plan back in early XXXX as a XXXX XXXX. Then I began to receive multiple notices from Aidvantage to upload proof of payment documents, which I tried to submit both on their website and Studentaid.gov. When I tried to upload the document on XXXX I could not find an upload portal. I then went to amend my application on XXXX and it created a completely new application as a Change Plan Request. I followed up on my XXXX XXXX in late XXXX with a representative from Aidvantage and was told nothing else was needed from me, it just XXXX take up to XXXX business days to process it. Earlier today ( XXXX business day ) after I received a payment reminder from Aidvantage for a payment due XX/XX/XXXX, I called them to follow up on my XXXX application status. I was then told that because the second application was incorrect because it was change plan instead of new applicant they could not process it and that I would have to reapply. This has taken up the last 4 months of my life since I have been left in the dark regarding my future student loan payment amount, and I believe Aidvantage had no intention of notifying me that my application could not be processed once the second one was created. I am now stuck waiting again for my third application to be processed for XXXX knows how long while interest continues to accrue on my loans and I am left in purgatory for a decision. This is beyond incompetence, it is criminal.
Product: Checking or savings account

I am currently a XXXX XXXX who is traveling across country for almost 60 days. Three days into my trip on XX/XX/19, I attempted to use XXXX via my Chase Bank account to send a {$500.00} payment to my friend and driver, XXXX XXXX. The payment did not go through immediately so I called Chase Bank to cancel the transaction. I spoke with a customer service rep who cancelled the transaction and said everything was all set. A few minutes later I received an automated voicemail stating my account was suspended because the transaction was suspected fraud. I called Chase and spoke with several reps who refused to provide me with any information at all and stated I had to go to the nearest branch ... which was 14 hours away. I told them my situation and that I had no funds for gas, food or shelter and Chase stated that wasnt their problem and I had to find a way to the nearest branch nearly 800 miles away. After begging strangers for change and for rides, I was able to get to the nearest branch on Monday XX/XX/XXXX. Banker XXXX XXXX tried to assist me but said Chase made a mistake and closed my account as a result of thinking my transaction was fraud, even though I called them several minutes before to confirm and cancel the transaction. I spoke with XXXX from the Chase executive offices who stated there was nothing they could do and I had to wait for them to transfer my funds in 4-5 days. Chases mistake has left me stranded with absolutely no food or shelter and has had a damaging effect on my health and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by XXXX law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.