23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

During XX/XX/2023, there was fraud on my OLLO card. I reported it and locked the card. Later that same month, OLLO ceased to exist, transitioning to Ally. Ally sent me misleading letters ( physical mail ), which have now stopped. Eventually, Ally credited my account with the missing funds. Then, in XXXX, when my balance became negative, I decided to spend this extra money and did so. A XXXX  later, Ally Bank " adjusted '' my balance by deducting the amount of money they had previously credited. 

Since then, I have been trying to recover those funds, spending around XXXX hours on the phone. 

In late XX/XX/2023, I reached out to them through XXXX, and they credited my account, which excited me. That very same day, I called them to close my account and requested they send the remainder via check. During XXXX, I received letters stating, " You'll receive a check once we decide how much we owe you. '' Today, I called, and they said they don't owe me a XXXX. We are settled. But we are not. 

P.S. There's unprecedented situation with Statements, the bank have XXXX different set of statements for my account, like XXXX book keeping options
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FL XXXX XXXX2025 Collection Agencys Name and Address Cavalry portfolio Services Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Sincerely,
Product: Mortgage

I got my property tax bill of {$2000.00} from town of  XXXX  and I paid {$2000.00} myself on  XXXX   XXXX  and posted on  XXXX   XXXX . Later I got a statement from my mortgogae lender  Santander B ank which stated they also paid the property tax on my behalf  XXXX   XXXX . I contacted the town of  XXXX  (  XXXX  ) and I was confirmed that there is no double payments and the only payment the town recieved was the  one p osted on  XXXX . I have contacted  Santander twice for the re imbursement, they insisted they paid o n    XXXX   XXXX  .I have provided them my payment record and asked the bank to show me their record, otherwise they need to reimburse me. They promise me to solve this problem by  XXXX   XXXX  and failed and continue to insist their payment on  XXXX   XXXX  while they cannny show me any proof. So far I have not got any reimbursement from the bank or any proof showing the bank did pay the property tax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, XXXX  and Transunion on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND XXXX XXXX  XXXX
Product: Credit card or prepaid card

Credit card applied for affecting my credit report that was fraud. 
Card applied for : XXXX XXXX  Person 's name : XXXX Prom My name : XXXX XXXX XXXX of credit denial letter ; XX/XX/2021 I don't know who this person is, thankfully denied but is negatively affecting my credit score and am formally filing a complaint as requested by XXXX to submit to them. 

Please advise, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

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 and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX   signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B obligates us to remove any erroneous accounts from my credit report. Would you mind checking the documents? Several accounts have inaccuracies in terms of the reported amounts and dates.
Product: Mortgage

XXXX XXXX Requesting several times to provide proof of items on mortgage loan, and company will not provide the information.
Product: Consumer Loan

I am having a problem with Santander Consumer. They are reporting late payments on a vehicle loan for which I have paid off. The account is closed. However these negative payments are adversely affecting my credit score and causing me to be turned down for credit. I have no such knowledge of all these late payments. I wrote to Santander on XXXX XXXX, 2016 disputing these late payments and asking for validation of such late payments. I have attached the letter. It was sent Certified mail and signed for by Santander Consumer on XXXX XXXX. 60 days later and I never received a response. Santander failed to provide validation and they violated the Fair Credit Reporting Act by not providing the Credit Bureaus a notice of dispute within the required time frame as evidenced by my credit report dated XXXX XXXX, 2016 where the account was not marked disputed which I have also attached. According to FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
As Santander Consumer is violating federal law ( and they still have not marked it disputed more than 90 days later ) and causing damage to my financial well being, they should remove the account and /or late payments from the credit reporting agencies.
Product: Student loan

The school has recently been found guilty in the XXXX class action lawsuit. 

I was XXXX when I took out the loans as I was pressured into taking them after being told I wouldn't be able to graduate. The advisors at this school used predatory lending tactics, and my parents should have been included in these conversations. At the time I was very young, naive, and desperate to pursue a career after growing up in poverty. They most definitely took advantage of that. There is also documentation that has forged my signature. XXXX XXXX XXXX among many other for-profit colleges manipulated thousands, if not millions of students and there needs to be accountability. 

Years ago before many advocacy groups took action I tried retaining a lawyer to fight these private loans to no avail. I have hope that with the school closing and the acceptance of their guilt in my federal loans, I can seek relief for these as well. The same actions that made me eligible for forgiveness in my federal loan should apply here. There should be no institutions that are above the law.
Product: Mortgage

I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I closed on a cash out refinanceXX/XX/XXXX. Checks were made by the title company. Checks were issued only to creditors. Check for XXXX XXXX was XXXX XXXX My payoff was XXXX $ to XXXX. I sent the check priority mail with tracking # XXXX and was delivered to XXXX at XXXX XX/XX/XXXXInstead of paying my loan balance off and returning the overpayment, as several other creditors have done, they took a XXXX $ payment out of my account XX/XX/XXXX. After an hour on the phone with XXXX and several times being placed on hold, I was told " it takes time to process it ''. " we can't accept an overpayment '' " we can't say that we have received it '' and on and on with going around and around in circles. I never got a straight answer.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud. 
Fraudulent inquiries : 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
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORIA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Student loan

I am in need of a complete record of my student loan payments. Per the Dept of Education website, this should be available through my current servicer Mohela ( " your current servicer has a complete record of your payment history, including payments you made to your previous servicer. '' ) After my request in XX/XX/XXXX, Mohela has only sent me payment records dating from XXXX. However, my first student loan went into repayment on XX/XX/XXXX. I am requesting ALL payments made since that date. When I requested this information again, in XXXX, Mohela AGAIN sent me record of payments starting in XXXX.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XX/XX/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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/year> Midland Credit Management Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California, XXXX Dear Midland Credit Management, I am writing to formally request that you provide documentation to validate the debt you are attempting to collect, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information in order to verify that the debt is valid : A copy of the original contract or agreement associated with this debt, including any signatures, to prove that I agreed to the terms of the debt. 
A complete payment history showing all payments made, including dates, amounts, and any balance updates, from the start of the debt through the present. 
The name and address of the original creditor to whom the debt was owed before it was assigned to your agency for collection. 
Proof of collection authorization, including any written agreement or documentation that shows your agency is authorized to collect this debt on behalf of the original creditor. 
Please note, any inaccuracies in your reporting due to improper investigations into credit reporting errors from XXXX have been detrimental to my credit report. These errors prompted a lawsuit by the Consumer Financial Protection Bureau ( CFPB ), which has already been filed against XXXX for their failure to investigate disputed items properly. I trust this issue will be addressed promptly to avoid any further escalation. 
According to the FDCPA, you are required to cease collection efforts until this validation is provided. I look forward to your prompt response within the 30-day period prescribed by law. If you fail to provide the requested documentation, I expect that this account will be marked as disputed on my credit report. 
Please send all requested documentation to my address at the top of this letter. 

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

There are some things on my report that are inaccurate. Like being a XXXX offender. I have never been convicted and I have never done anything like that. On my report also shows my mother XXXX XXXX and she should not even be on my report. Yes some of my criminal stuff is accurate. That was years ago. I have since changed my life around for the better. I did a year long XXXX  program. And it saved me. Me being able to work and support my family is the only thing that keeps me going. That record is not who I am today. But some. Of the things on there are not correct
Product: Money transfer, virtual currency, or money service

I received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a Bank of America employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was XXXX  to another bank. I called filed a claim reached out to Bank of America & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX  ) they would not help me in giving me any information and told me to go back to my bank. How can the company, XXXX, and Bank of America & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the following account several times directly with XXXX and with Experian credit bureau. This account was removed and reinstated by Experian. The representative from XXXX refused to respond to me as to the validity of the account. Experian claims that they are verifying the account, although they refusing to show me any proof of who they talked to or how they verified the account 's accuracy. 

XXXX XXXX  XXXX Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$21000.00} No. of Months ( terms ) : 60 High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$21000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit card or prepaid card

COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX Im not giving up! 
This was my previous complaint, and I am not satisfied with the decision. 
Again XXXX checked what was delivered! 
I, as a consumer provided picture of the empty envelope ( usps can prove what was delivered ) the seller provided tracking number and status of the delivery. I dont understand why decision in in seller favor!!!? 
Dont support scammers! 
Im going to pay the balance, and they will continue doing this. Do you thing this i ls right. 
SHAME!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit card or prepaid card

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXX. The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.
Product: Debt collection

This collection agency never had a current address when they received this debt. They had a very old address and I never knew this existed until it was slapped on my credit report. I never had a chance to dispute this with the original creditor and with this agency when they received it. I have yet to get verification from this agency w/ proof that I owe this amount. Constant harassment with phone calls but no proof the debt exists.