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

Hi Boa ; I just came from your local branch because my card hasn't been working and they said that my card was closed. I checked with my credit report now, and it showed 3 consecutive missed payments. I made my last payment with BoA of over $ 200+ back in XXXX / XXXX and never used the card again. How is it possible that i have a bill of {$50.00} with you guys. Plus I never received any emails, texts, mailed about my statements in order to alert me of any missed payments. The fact I never used the card since my last payment, I wasn't aware that i owed that amount of money. The bank Rep pulled an old statement from the archive and went through a transaction from " identity '' subscriptions that i never opened before. My card was compromised and they immediately closed whatever account and initiated an investigation, to have that money returned to the bank of America. THat's a fraud that happened and I'm not liable for it plus I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Please remove those 3 last payments that you reported on my account.
Product: Credit card or prepaid card

As of XX/XX/2022 your credit score is 638. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are : Ratio of balance to limit on bank revolving or other revolving accounts too high Length of time accounts have been established Lack of recent installment loan information Too many inquiries last 12 months As of XX/XX/2022 your credit score is 664. Credit scores range from a low of 250 to a high of 900. The key factors that adversely affected your credit score are : Ratio of balance to limit on bank revolving or other revolving accounts too high Length of time accounts have been established Lack of recent installment loan information Amount owed on revolving accounts is too high Too many inquiries last 12 months So the limit was lower creating a lower credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of the late payments for my student loans with XXXX and US Dept of Education on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to request you to remove the late payments from my credit reports as indicated in the reports. According to the Fair Credit Reporting Act, any inaccurate or incomplete information in credit reports must be corrected or removed. 

I have reviewed my credit reports from your bureau and noticed that there are several late payments on my credit accounts that are inaccurate. I have attached copies of my credit reports highlighting the inaccuracies as well as the proof of the errors. 

I have been making consistent payments on all my accounts, and there have been no late payments beyond the initial late payment reported. Therefore, I request that you remove the negative reports from my credit report to enable me to improve my credit score.

I respectfully request that you investigate and correct the errors promptly to avoid further damage to my credit score. You may contact me if there are any queries or if you require additional information.

Using FCRA Section 611 ( 5 ) ( A ) and FCRA 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a request form into XXXX XXXX XXXX XXXXXXXX XXXX for credit reports with the XXXX credit bureaus, I haven't received any reports to date. According to USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) they received my request on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I asked the credit bureaus to look into an account listed on my report for " EOS '' in reference to a XXXX account. Specifically, I stated that I did not believe this account to be mine, and I requested validation of the account. Since then. I have followed up my dispute with TransUnion and Experian, as well as with EOS, in asking for proof of the debt, as once again, I do not believe this debt to be mine. To date, I have sent a total of 6 letters to TransUnion and Experian, and additionally, a letter to EOS. To date, this account is not even listed as in dispute on my reports, nor have I been provided ANY response, let alone validation of this reported debt. This is appalling. I feel that I have allowed plenty of time to answer my dispute, well beyond the 30 to 45 day deadline outlined by the Fair Credit Reporting Act. At this time I am asking for relief in the effect of removal of the account from my reports.
Product: Debt collection

I have a credit card with American Express, that fell past due. I received at least 13 robo-calls regarding the delinquency where multiple robotic voicemails were left on my cell phone, from XXXX to XXXX of XXXX. This is a direct violation of The Florida Consumer Collection Practices Act ( FCCPA ). The FCCPA protects consumers from certain debt collection actions. Specifically, it prohibits debt collectors and telemarketers from making robo-calls to your cellular phone.
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/XXXX, I called Equifax to confirm if they have received my documentation requesting a name change. They noted that I was missing one document, but they did not tell me I needed this document during a prior call I had with them to change my name. Furthermore, they had the audacity to require me to re-submit this document along with all the other pieces of document that they had already received in XXXX via physical mail. They did not accept alternative methods of uploading this single document, which other credit bureaus like XXXX offered. I requested to make a complaint but their staff told me I would receive a call that explains why they have a policy that puts undue burden on consumers and falls short of industry practice. The case for the complaint is XXXX.
Product: Mortgage

Pennymac placed us into a loan modification without my permission or authorization. I lost my job in XX/XX/2023 and I called PennyMac to tell them and to be proactive with my upcoming XXXX payment. I asked for what options would be available to me if it came to the point where I could not make a payment. They told me there was nothing they could do until I was actually delinquent and I had to wait. They did say there were a couple options of possible forbearance or modification. I let them know at that time that I would call back at the end of the month to let them know. When I called, I was going to let them know that we would be able to make the payment and they said we were already in a modification process and we couldn't make a payment at the time. I asked them to just cancel it and they said we couldn't, we had to fillout an application and asked for docs proving I lost my job. Me as the consumer did what I was told. They then denied my claim due to insufficient XXXX. They told me the wrong information up front and caused me to have to go through the process again. This time I gave them the info for my new income and was approved but with a higher rate, payment, and loan amount. I believe they acted in bad faith in order to get us into a higher interest rate and therefore getting them more money in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two accounts with XXXX XXXX XXXX XXXX XXXX. I have written them and had my attorney contact them regarding this incorrect information. They state that I owe {$12000.00} on each account number.
Product: Mortgage

As Trustee for the XXXX XXXX XXXX and XXXX, I have sent many XXXX XXXX XXXX certified notices to include an affidavit of dispute and notices of error concerning the alleged mortgage and promissory note executed under deception and coercion. 

The corporation known as XXXX Mortgage XXXXXXXX XXXX XXXX has not responded to several inquiries regarding possible XXXX fraud. The estate in question is held in an irrevocable trust from ancestral rights and treaties as an Indigenous individual. 

XXXX Mortgage XXXX XXXX XXXX has refused to respond and forwarded the alleged mortgage to a third-party Debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who uses a third-party Mortgage XXXX company known as XXXX XXXX Insurance to trespass on my property with claims of performing field agent occupancy verifications. This is a violation of my privacy, my rights as a private citizen and Indigenous person in an attempt to extort XXXX from my estate through unauthorized securitization of a fraudulent promissory note.
Product: Debt collection

Dear Dobberstein Law Firm, I am writing in response to a debt collection letter I received from your office regarding an alleged balance of {$2400.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally requesting validation of this debt, including the following information : Proof of your authority to collect this debt Please provide documentation that you have the legal right to collect this debt on behalf of the original creditor. 
A copy of the original contract I require a signed agreement or contract that establishes my obligation to pay this debt. 
Itemized accounting of the amount claimed A detailed breakdown of how the balance of {$2400.00} was calculated, including interest, fees, and charges. 
Proof of ownership/assignment If this debt was transferred or sold, provide documentation that verifies the chain of ownership from the original creditor to your firm. 
Until proper validation is provided, I am disputing this debt in its entirety. Please be advised that any attempt to report this alleged debt to the credit bureaus without proper validation will be considered a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

If you are unable to provide the requested validation, I ask that you cease all collection activities and remove any negative reporting related to this alleged debt. 

Please respond to this request in writing within 30 days of receipt. Failure to provide proper documentation will be viewed as an admission that no valid debt exists.
Product: Debt collection

Enhanced Recovery CO at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$160.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute about my credit report and the incorrect items below stated on my credit report. Its been over 30 days since I contacted XXXX, Transunion, and XXXX, and have not received any investigation results back yet, so hence this complaint. 

Below are the accounts I have disputes with, please review and help me out with this. 
Thanks so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status ( Closed ) {$2500.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account status ( Closed } {$3500.00} Date opened : XX/XX/XXXX XXXX XXXX Account XXXX Closed {$690.00} Date opened : XX/XX/XXXX DEPTEDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan {$17000.00} DEPTEDXXXX XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$3900.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened XX/XX/XXXX Account type Education Loan {$1700.00} DEPTEDXXXX Account number XXXX Account status : Open Date opened ; XX/XX/XXXX Account type Education Loan {$3000.00} DEPTEDXXXX XXXX Account : Open Date opened : XX/XX/XXXX Account type Education Loan {$870.00} DEPTEDXXXX XXXXXXXX Account status Open Date opened : XX/XX/XXXX Account type Education Loan {$3100.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account type Open account {$67.00}
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, I am requesting the following documentation : Proof of Ownership of the Debt : A copy of the original purchase agreement with the original creditor ( XXXX XXXX XXXX ) that demonstrates you have legally acquired and now own this debt. 

Account Statements : Copies of all account statements from the accounts opening to its closure, showing the full history of charges, payments, and fees. 

Proof of Legal Authority to Collect in My State : Documentation proving you are legally authorized to collect debts in my state, including your license number or registration details. 

Copy of Your Bond : A copy of your bond or surety that verifies you are legally registered and bonded to operate as a debt collector in my state. 

I am writing in regard to the alleged debt you claim I owe, associated with account number [ Account Number ending in XXXX, if available ]. Under the Internal Revenue Code ( IRC ) 6050P, creditors are required to issue a 1099-C Cancellation of Debt form when a debt has been canceled, forgiven, or otherwise discharged in an amount of {$600.00} or more. 

If this debt has been canceled, settled, or discharged in any way, I am formally requesting that you provide me with a copy of the IRS Form 1099-C reflecting this cancellation. 

Additionally, if you have not canceled this debt, I request written confirmation of this status and the basis on which you continue to pursue collection. 

Please note that failure to provide accurate information regarding the status of this debt may constitute a violation of both federal debt collection laws and IRS reporting requirements. 

I expect your written response within a timely manner of receipt of this letter. 

Until you provide the requested information, I do not acknowledge or accept any responsibility for this debt. Additionally, as per federal law, you are required to cease all collection activities, including reporting this account to any consumer reporting agencies, until this debt is fully validated. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Mortgage

Mortgage was paid in full on XX/XX/2021. Escrow refund was issued and mailed on XX/XX/XXXX as verified by the lender. Refund never arrived, suspected mail theft. Called and spoke with representative on XX/XX/XXXX who transferred to supervisor. They refuse to do anything until XX/XX/XXXX, won't even check to see if it has been cashed. I informed them there have been at least 2 known theft cases in our neighborhood where we and neighbors mail was stolen. American Pacific refuses to reissue the check as requested. They said they will not accept a request to do so until after XX/XX/XXXX, then it will take a minimum of 30 business days to reissue the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the credit reporting agency. I sent several disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023. But XXXX, Equifax, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy that states under 15 U.S.C. 1681e ( b ) in the credit reports they publish.

Under 15 U.S. Code 1681i, XXXX, XXXX, and Equifax have 30 days to complete the investigation from the date they received my dispute and send responses. However, I never received a response nor investigated the inaccuracy on my credit report
Product: Debt collection

I contacted Amerifinancial Solutions via. phone call XXXX. Upon answering they demanded for my social security number which I gave them, along with my name. I talked to an agent named XXXX. I confirmed with him that the total debt of XXXX was correct and I would be willing to pay it. I asked if when I pay it that he would clear it from my credit history, he said yes. I asked if he could send that to me in writing he said they dont give anything written and that my assurance was on the recorded phone call. This did not sit well with me, so I said I will call them back later. After thinking about it, I figured I could see if I could record on my end, the conversation as my evidence of our agreement. I called the Collector a second time, this time the agent was XXXX. XXXX said that Maryland is a two party consent State and that he did not consent to me recording. I found this odd, since their automated system stated the phone call XXXX be recorded. I ceased the call at that point. I called a third time to try to get the Company Address to make a lump sum payment and got a PO Box address. I started to feel further uneasy about this Company and researched them. I found that on XXXX about their horrid business practice. Also furthered by more negative comments on XXXX  ( which Ive also filed a complaint ). I would wish to remove this debt from my credit history. Im willing to pay its full amount of XXXX however based on my research on this companys practice and my current interaction with them. I have no faith in them that my full payment would be properly applied to my debt and not removed from my credit history ( or at least, shown as Fully Paid Off ). I need help resolving this. I need a written statement on the Companys agreement with me and confidence that my full payment will be acknowledged and reflected in my credit history ( with the 3 Credit Bureaus, XXXX, XXXX, and XXXX, if applicable ).
Product: Checking or savings account

This is a complaint on top of an existing complaint XXXX. 
I still don't see the fund coming to my chase account. 
When did TDBank request the return of fund? 
I tried to call the number given in the response of complaint XXXX multiple times during XXXX XXXX EST, no one picked up my call. I don't want to waste more of my time to make so many following up calls without any value. 
I requested a daily update on the fund return status to be sent to my email : XXXX or through text to my mobile : XXXX I've been following up on my fund with TD Bank since XXXX 2020, I don't see TD bank take this case seriously. This is a servious process problem with TDBank, there is no execuse to keep customer 's fund for many months!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's finding 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 serious concerns about consumers safety.
Product: Debt collection

XXXX XXXX XXXX asked me to leave and would not be renewing my lease. It was just before XX/XX/XXXX. They refused to give me a reason but stated they would evict me if I stayed. I was packed and out before the end of the month. 
I got an apartment after I left without any problem. XXXX XXXXtold me they filed the Previous Balance report on XX/XX/XXXX. 
XXXX told me I owed them for XXXX and XXXX, a balance of {$600.00}. 
XXXX also told me they mailed the notice to the apartment they a had asked me to vacate. 
I didn't get any notice about money owned until today after I had found housing.
Product: Prepaid card

I receive my s.s.XXXX benefits on a direct express debit card on the third of every month on XX/XX/XXXX  I received my monthly benefit of XXXX dollars. After paying bills the day of the third I had somewhere around XXXX left on the card. The next day XX/XX/XXXX  I attempted to use the card to make a purchase only to have it declined for insufficient funds to which I immediately contacted direct express and found that there were multiple online charges applied to my card that were authorized by direct express even though there was a restriction placed on the card so it could not be used online not even by myself. Once I had informed direct express about the fraudulent charges the card was canceled and a new one ordered and sent out to me and the paper work to file the charges as fraudulent officially. Which I received the new card in six days but still to this day have not received the official paperwork to file a claim even after several requests and supposedly more claim forms were sent out to which I never received any of and since they only give you 10 business days to reply to the fraud charges I wrote it all out on plain paper and emailed it to them and faxed it also. Only after multiple calls to their fraud department were made I was told a provisional credit may be coming or might not no one could tell me one way or the other finally after checking my new card at the atm did I see that a credit of XXXX dollars was put on my card which was a real surprise because my claim was for only XXXX dollars but it really didnt matter because I didnt have the money a week before they took it all back which put my account into a minus XXXX dollars with no notice what so ever only after receiving a letter from them a week and a half later that said they had finished their investigation and had concluded that they were authorized charges even though the card never left my pocket or was put of my site and there being a restriction of not being able to be used online and that they considered the matter closed did I even know what happened this is the second time in ten years Ive had fraudulent charges that I never received the official paperwork for it always somehow gets miraculously lost in the mail but the new card always seems to find its way and it has gotten progressively harder and harder to even get ahold of a live person to even talk to most people just give up Im disgusted with them and will find an alternate financial institution