23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/XXXXCredit Monitoring Agency : I have noticed that the wrong account of collection was reported to my credit file by Credit Management Company. I want to dispute the wrongfully reported account as it was paid on XX/XX/XXXX. 
When I have received the invoice from Virginia XXXX with wrong amount, I had called their billing dept on XX/XX/XXXX and talked to XXXX XXXX in XXXX office. She asked me to pay the {$300.00} ( the agreed amount ). She told me that she will adjust the account accordingly. I had paid the {$300.00} as per our discussion. ( Pease see the proof of payment and my note on the invoice as summary of our discussion. ) It was paid through card with written memo as full and final payment and Virginia XXXX XXXX processed payment as full and final payment. ( Please ask for card payment signature proof to Virginia XXXX XXXX, you will see my memo ) I have attached the supporting document to support the unlawful. I am asking for full investigation of abuse of system by Credit Management Company to collect money which was paid to original creditor. 
I had paid the full balance of the service received from Virginia XXXX XXXX as per agreed. 
Please see the proof of payment - XXXX bank statement traction of {$300.00} ( Agreed amount ). I have provided the proof of agreement and payment to Credit Management Company ( please see attached latter dated. XX/XX/XXXX to Credit management company ) On the same letter, I had asked to provide me further document to validate excess amount of {$120.00}. 
The Credit management company has never responded to my letter and did not provide any proof to validate the excess amount {$120.00} which they want to collect from me. 
Please feel free to contact me if you need any further information to dispute this account and remove from my credit file. I would appreciate if you remove this dispute account from my credit file. 

Thank you
Product: Mortgage

In XXXX of 2020, my wife and I found a Cabin for ale that we loved. We moved to purchase it and was told that the appraisal that we paid for and Chase selected the appraiser was XXXX while the sale price was XXXX. Chase closing agents told me that the PMI was easy to remove and could be removed once we closed and the loan to value was 80 %. The loan closed and I have been requesting the PMI to be removed since. The current loan is XXXX and the appraised value is XXXX. This is 77 % loan to value. However, even after escalating to the executive office they still maintain that the value was the purchase price and not the value from the appraiser. I asked, if I built a building valued at XXXX on the property and asked your same appraiser to value the updates would you accept the new value of XXXX? They said yes, I requested a new appraisal and they then said they would not accept a new value for this property. It seems that they are refusing to accept any value increases to this property and will not allow us to ever remove the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$430.00} Balance updated XX/XX/2023 XXXX  Original creditor XXXX XXXX  XXXX XXXX XXXX  Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXXXXXX XXXX Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX  Balance {$2500.00} Balance updated XX/XX/2023 XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updated XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and account listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these items continues to be sent around and affecting my credit. The credit bureaus didn't do anything to correct the items listed below : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX XXXX company does not offer auto pay / auto debit to be able to ensure your account is paid on time. They did offer the ability to schedule up to 3 future payments. I set up scheduled payments for three months at a time because it is the only way I can ensure that it is paid ontime and not have to go online each month to make a payment ( very very inconvenient ). I had schedule payments through XXXX of 2020, but received calls from this company today stating that I was late. I went online to check my account and there are no scheduled payments pending. I was charged a late fee. I made my past due payment which they convienently combined with my XX/XX/XXXX payment. I was forced to pay XXXX and XXXX together. I then tried to schedule payments for the next 3 months and the ability is now gone. I called the company to try and find out what happened. They told me that they do not offer the ability to schedule payments any longer. I asked what happened to the payments that I had scheduled through XX/XX/2020 and she did not have an answer. I feel like this company is setting consumers up for failure in order to take advantage of our current nations crisis. I am one of the people who would like to make sure that my account is paid on time and they offer a very slim window to do that. I believe they are praying on consumers to be able to have them default on payments to increase their APR 's and charge them late fees to make more money. I have many credit cards for both personal and business along with other store cards and ALL of them offer auto pay. XXXX XXXX is the ONLY card that does not offer auto pay or scheduled payments. Why would a company take away payment options and only provide you with the bare minimum options during a Pandemic?  My guess to charge late fees and boost APR 's to take advantage of people to make more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns will regarding zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle multiple times in reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible as well as tracking these transactions. The CBPBs findings indicate that zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Debt collection

In XXXX of XXXX I reported this debt as fraudulent. The debt was verified as fraudulent by XXXX XXXX XXXX using the account number provided by the previous collection agency. The account number provided wasn't even in their database. The debt was subsequently removed from my credit reports by XXXX because it was determined that the debt was fraudulent. In the previous complaint I requested the contact information of the seller of this debt so that I could ensure permanent closure of this matter. XXXX XXXX XXXX refused to provide that information which left me open to more fraudulent reporting of this fraudulent debt. Since CFBP doesn't require transparency on where they obtained the fraudulent debt we can't actually file a complaint against the company that initiates the fraud, instead, I am forced to file a complaint against the collection agency. The fraudulent debt was reported as late as of XX/XX/XXXX, the current date given is XX/XX/XXXX. It can't be both and be true. During the initial investigation XXXX couldn't provide any details other than my name. The new collection agency has far more information which means that by filing these complaints they have been able to piece together more of my information which only strengthens their case, leaving me fighting to prove they are wrong, meanwhile, they aren't required to share ANY information on where they supposedly obtained the debt. Please see the attached documents showing the grave inconsistencies in this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX,XX/XX/XXXX. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to Exerian, XX/XX/XXXX and XX/XX/XXXX on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was date d XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Owed : {$50.00} XXXX XXXXXXXX XXXX Owed : {$5700.00} XXXX XXXXXXXX Owed : {$7600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX  XXXX Balance Owed : {$540.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00}
Product: Credit card

While reviewing my taxes for the XXXX calendar year, I learned that a charge had been made on my Chase Sapphire credit card to a merchant named, " XXXX XXXX XXXX XXXX '', with an amount of {$8000.00} on XX/XX/XXXX. After reporting this fraudulent charge to Chase, they began an investigation into the fraudulent charge on XX/XX/XXXX, and subtracted the charge from my account balance. 

Today ( XX/XX/XXXX ), Chase sent me a notice, saying that they are holding me responsible for the fraudulent charge. Claiming that I have " received benefit '' from this transaction. This is not true, as I haven't done business with " XXXX XXXX XXXX XXXX '', and haven't received any benefit from them. 

After further investigation into what " XXXX XXXX XXXX XXXX  '' is, I found a company called " XXXX XXXX XXXX '' that has filed for Bankruptcy, the owner of which has been charged with XXXX XXXXXXXX . It appears that Chase hasn't investigated this problem thoroughly enough.
Product: Credit card or prepaid card

On XX/XX/2020 I was charged the annual fee for my Barclay Arrival+ credit card. In light of the COVID-19 situation, a premium/travel credit card does not make much sense to have, so I wanted to downgrade to a no-annual-fee version. This is not an uncommon request that Barclays grants, sometimes with a retention bonus for downgrading instead of closing. See references : - https : XXXX - https : XXXX - https : XXXX I have called customer service many times without being able to get past the hold queue. Call log as follows : XX/XX/2020 0.5 hours XX/XX/2020 1.75 hours XX/XX/2020 2.5 hours XX/XX/2020 1.25 hours XX/XX/20202.5 hours XX/XX/2020 2.0 hours XX/XX/2020 1.75 hours XX/XX/2020 3.75 hours Simultaneously, I also submitted my request using their online portal, but the reply indicate that they were unwilling or unable to perform my request through that route.
Product: Student loan

XXXX appears to be improperly handling or informing me about my re-certification for IDR. Basically, XXXX keeps sending me false messages about missing information on my re-certification for my federal paycheck and yet I gave them everything. These automated e-mails are becoming annoying and I want this fixed. I finally was able to reach out to XXXX ( XXXX ) on XX/XX/XXXX who finally straightened everything out after the fourth time calling. However, she still provided the canned responses that " we can't assume anything '' or " you were missing the frequency of your pay '' for a federal paycheck, something known to be always " BI-WEEKLY '' unless told otherwise. They can't even take the annual salary on the form and figure it out there either. The worst of it is rather than a super generic e-mail they send to everyone, they could have just called me and resolved this minor issue in 5 minutes. 

My previous calls to agents told me that I was good and that I had submitted everything properly in the last 6 weeks, and yet this was not the case.
Product: Debt collection

This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.
Product: Mortgage

My loan company is American Financial Network , Inc XXXX XXXX XXXX XXXXXXXX NJ XXXX I am writing this letter because I am trying to get copies of ALL loan documents about my loan and the transfer of my loan. I am also asking for copies of the ALL documents that were processed when my loan was changed from an FHA loan to a Conventional loan. 

I have made several attempts to get copies of these documents. I have sent 3 requests online through the messaging portal. I have been asking for documents since XX/XX/2023.
Product: Credit card or prepaid card

On XX/XX/2021 I spoke with a Bank of America representative by the name of " XXXX '' in Texas who told me I COULD file an appeal pertaining to Bank of America 's flawed determination resulting from a {$50.00} charge. 
On XX/XX/2021 I spoke with a Bank of America representative by the name of " XXXX '' in Arizona and told I COULD NOT file an appeal regarding the same flawed determination. 
This is in fact an unethical business practice to lie to customers.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX  XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within XXXX business days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided.
Product: Credit reporting or other personal consumer reports

{$3800.00} Open balance XXXX XXXX Original creditor Subject : Request to Remove Closed Account from Credit Report Dear CFPB I am writing to bring to your attention an issue with my credit report. I recently discovered that an account that was closed over seven years ago is still listed as open on my report. The account in question is with XXXX XXXX. 

I kindly request that you investigate this matter and remove the closed account from my credit report. It is not accurate or fair for this account to be kept on my report for so long, especially when it has been closed for such a significant period of time. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue. Please let me know if you require any further information from me to facilitate the removal of this account from my credit report. 

Thank you very much for your help. 

Sincerely, XXXX XXXX
Product: Mortgage

We contacted the company regarding challenges with escrow. We spoke to 3 different Mr Cooper employees regarding the escrow/shortage issue and no one could provide us an answer. We are continuingly told different things and reasons. The person we spoke to on XX/XX/XXXX said even though we had a shortage amount it didn't matter if we paid it or not as our payment was not going to change. Our loan # is XXXX. We paid {$3000.00} for the shortage on XX/XX/23. We were told we should not make a payment until the new escrow analysis processing was completed and was told today that nothing would be changed. We feel like we have been robbed and violated. We do not understand the reason Mr. Cooper is being dishonest and your associates are not able to explain anything. The last person literally told us it didn't matter if we paid or not and even though we shared the escrow statement noting the shortage and amount she still stated it did not matter. 

In XXXX we were told we had a shortage of {$1500.00}. We were also getting a less expensive home owners insurance. When we got that they ran another analysis and said we owe {$3900.00} for the shortage. This made no sense. We knew we were paying the insurance reimbursement of {$1400.00} but what was the remainder. We paid {$3000.00} then Mr. Cooper did nothing, We were told it didn't ; manner because our payment was still going up. 

We are hard working people that pay our debts timely without issue. We deserve a response that we can understand. This is our home and the last thing we want to deal with are employees who can't explain to us the issue.