23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately one year ago, I requested that my mortgage company, NewRez, re-evaluate my home as the market had improved and I believed ( and still do ) that the LTV on my property was at a level that would warrant the removal of the PMI payments from my monthly payments. They recommended a BPO and I sent them a check. Several months went by and I called to check only to find that they had " misapplied '' the payment to my principle and assured me that this would be corrected. For the past 3-4 months, I've been going in circles with them and getting nowhere. They claim to have escalated the request but nothing has been done and I continue to pay PMI premiums. At this point, I am considering refinancing with another company to avoid dealing with them altogether. I hope that others do not have to experience what I have been dealing with. During my latest exchange, I asked to speak to a manager and was told he was too busy. NewRez was not my choice, they simply purchased my loan servicing agreement and this is in no way a fair way to treat a borrower.
Product: Debt collection

They keep calling me and every time I answer they say they have no record of me. They have illegally altered the service dates on my credit report and have refused to send me proof of the debt via mail. I can not even get my account number from them to follow up. They have ignored my contesting of the debt validity and ignored my attempts to fix the issue. I have sent in disputes and it just returns the same with no further proof of the debt. 

The name of the company is as follows : Phoenix Financial Services,  LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal loan accounts XXXX XXXX  and XXXX currently closed a XXXX XXXX XXXX Account in Collection and 5 inquiries From XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have sent letters to all the credit bureaus about reporting incorrect address information, names being misspelled and numbers not associated with me. Equifax sent a letter requesting additional information. They requested paycheck stub with my social number and gas bill with the address. I also included this with the letter and sent them the information. 

Only receive another letter on XXXX again asking for the same information yet again that was already sent over a month ago. The documentation was all sent certified so I know they received it.
Product: Vehicle loan or lease

Us Bank Repoed my car XX/XX/XXXX told me I had until XX/XX/XXXX to Reclaim the car back on XX/XX/XXXX I went to the place they had my car Towed too the lady at the Window told me all she had was my Personal Belongings not the car come to find out on my Account with Us Bank they Sold my car on XX/XX/XXXX didn't tell me anything to this day I still don't know What Exactly Happened they Refuse to Accept that their the Blame for the Issue I have ask them to Delete this from my Credit Report and Stop Sending Derogatory Notes Stop Calling me because they were Wrong didn't even give me a Chance if anything they Owe me Some Money
Product: Credit reporting or other personal consumer reports

All the hard inquiries in my report is incorrect I dont authorize any of this companies to run my credit report please remove this all hard inquiries its wrong and I dont authorize it please
Product: Student loan

I would like to submit complaint of misleading financial information by FedLoan Servicing. 

On XX/XX/XXXX I contacted FedLoan Servicing due to confusion regarding balance after I made a large payments. For the past year I have been paying minimum monthly payment. While I was making my minimum payments I reviewed my billings statement and had created my own accounting sheet. Per my own accounting, I estimated after 30 days, my loans would accrue around {$550.00} in interest. My monthly direct payment was set at {$560.00}. When I reviewed my monthly statements, I did take note that a number of my loans only had interest being paid, where few had principle being paid. I also took note of my " Total paid '' statement of interest satisfied and principle satisfied. During this time it appeared to me that I was essentially paying the interest on each of my loans and a very small portion was going to principle ( of note, this was my lowest interest loan ). 

So, it was a big surprise to me that when I made a large payment on XX/XX/XXXX and XX/XX/XXXX of XXXX, and learned there was an outstanding interest due on multiple loans. After hours of review, I was informed that many of my loans did not have their monthly interest satisfied and were in fact growing every month. I was informed that the minimum payment due did not account for different in interest on each loan. Amount due on one loan did not influence amount due on another loan. So, while my bill shows that principle is being paid on some loans, it does not show when interest is not completely being paid off on other loans. We then reviewed daily accrual for each of my loans, and then I was instructed to do the math on my own to determine how much interest was not being satisfied every month. I did request for this to be provided to me, but they were not able to provide me with such information. 

I would also like to note that during this call, Public Student Loan Forgiveness program was brought up. While I appreciate being informed and reviewing the program, I did feel I was being told to not worry about the above issue, because in the end, its going to be forgiven anyway. While I can appreciate any suggestions and guidance in paying off my student loans, I dont feel it is appropriate to suggest depending on a program that is not guaranteed and has multiple stringent circumstances over a 10 year period. 

In summary, I feel that current billing statement and online interfaces do not easily and clearly show when loans are growing, ie accrued interest is not being paid off with minimum payments. While there are many different payment methods, it should be clear to a borrower when a monthly payments is not going to be enough to satisfy accruing interest.
Product: Credit reporting or other personal consumer reports

I made a request about this account as FCRA says, and XXXX couldnt provide information about this account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mailed A Notarized Copy Of My Inaccurate Information To Equifax In XXXX And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back And No Changes. 

By Law, They Are Supposed To Reply Within 30 Days.
Product: Debt collection

I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracy of my XXXX XXXX account several times. I have explained in great detail that the late payments being reported are inaccurate. The credit agencies cited in this complaint have each stated the information was verified but have not responded to my numerous requests sent via certified mail for a method of verification as required under Section 611 ( a ) ( 7 ). Lastly, I provided copies to each bureau highlighting the discrepancies with the account in question and how each bureau is reporting conflicting information, and subsequently, both are inaccurate. I have also attached it to this complaint so it can be reviewed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unverifiable accounts currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) and 1681s-2 ( b ), you are required to conduct a reasonable reinvestigation of disputed accounts within 30 days. However, due to the recent legal actions and settlements against XXXX and XXXX for their failure to uphold compliance with federal law, I demand immediate removal of the following accounts within five ( 5 ) days of receiving this notice. 

Disputed Accounts : [ List the account names, account numbers ( last four digits ), and creditor names ] CAPITAL ONE BANK USA NA, XXXX CAPITAL ONE BANK USA NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX According to 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The accounts listed above are inaccurate, outdated, and/or unverifiable, violating your obligations under the law. If these accounts can not be independently verified with legally admissible documentation from the original creditor, you are required to delete them immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

Furthermore, in light of recent legal settlements involving XXXX and XXXX, it has been established that both bureaus have engaged in unlawful reporting practices, misrepresentation of data accuracy, and failure to properly investigate disputes. This has resulted in legal consequences, including mandated corrections and account deletions for affected consumers. 

Given this precedent and my rights under the FCRA, I am demanding the permanent deletion of the disputed accounts within 5 days of receiving this letter. If these accounts are not removed within this timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for willful non-compliance under FCRA 1681n. 

Please send me written confirmation of the deletion of these accounts within 5 days. Failure to comply with this request will result in further legal action against your agency for violating my rights under federal law. 

I expect your immediate compliance and look forward to receiving confirmation of the removals.
Product: Checking or savings account

Chime Bank has repeatedly delayed the direct deposits of many individuals receiving various deposits ( government/employer direct deposits ), theres no sense of continuity/expectation of deposits availability time frame, I have tried on numerous attempts to communicate this frustration with chime on numerous occasions. Chime has been made aware of there delays kn numerous occasions. Something has to be addressed to fix this issue, but so that chime individuals/recipents can have a more detailed description of expectation of Direct deposit availability. Also chime offers features to card holders ( XXXX ), however there have been multiple flaws in both features as well, delaying cardholders to access there full available amount thats offered, chime stated that this feature is system generated and not controlled by actual individuals which has caused a major delay to cardholders, Im more than willing to provide more detail regarding this matter and my interactions with chime, but this has been an ongoing issue that needs to be addressed before a law suit is filed against chime for delaying processing of direct deposits and failed practices according to chime terms and conditions, chime is a major institution, so I expect improvements regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance {$21000.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing AGAIN to request a reinvestigation of the Chapter XXXX bankruptcy currently listed on my credit report. Despite multiple attempts to resolve this issue through many phone calls and certified mail, this erroneous information remains on my file. This situation has caused me significant distress and frustration. 

Under the Fair Credit Reporting Act ( FCRA ) and the regulations of the Consumer Financial Protection Bureau ( CFPB ), I am entitled to a credit report that is both accurate and private. Specifically, under 15 U.S.C. 1681i, Lexis Nexis is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, 15 U.S.C. 1681e ( b ) mandates that Lexis Nexis must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. 

The XXXX XXXX XXXX information on my report has not been validated by the XXXX XXXX XXXXXXXX XXXX XXXX Wisconsin and never will be as I am entitled to confidentiality and privacy. Enclosed, please find documentation supporting this claim. It is imperative that this inaccurate information, along with all associated accounts, be removed immediately from my credit report. 

Lexis Nexis needs to provide me with copies of all documentation associated with this PUBLC RECORD ACCOUNT bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. The source of information has not been provided after XXXX requests. In the meantime, to be in full compliance with the laws and guidelines, all the information listed under PUBLIC RECORDS needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the FAIR CREDIT REPORTING ACT 623 ( a ) ( 3 ). 

This continued inaccuracy is unacceptable, and I am prepared to escalate this matter. If all accounts tied to the Chapter XXXX bankruptcy and any related information are not expeditiously removed from my credit file, I will have no choice but to consider litigation. I seek prompt and complete removal of this erroneous information to rectify this issue and prevent further harm to my credit standing. 

Please provide written confirmation once the removal has been completed. 
Thank you,
Product: Checking or savings account

On Fri, XXXX. XXXX, XXXX at XXXX XXXX a direct deposit was made to my checking account of a US Treasury check in the amount of {$1400.00}. I received an alert from the bank indicating this transaction had occurred. 

On Fri, XXXX. XXXX, XXXX at XXXX XXXX, the deposited funds mentioned above were transferred from my checking account without any prior notice nor authorization from me to do so, and deposited in to a " Credit Builder '' account I had opened several weeks prior and was still determining how I might want to use that account. 

On XXXX, XXXX. XXXX, XXXX at XXXX XXXX, I located the funds in the other account and immediately transferred those funds back into my checking account and I followed that by using the AI messaging system to alert the bank to what had occurred that morning and requested that they provide me with all the information about the secondary account, who had authorized the transferring of the incoming funds from the authorized checking account into that other un-used account, how they could do that without my approval, what the intentions were in transferring that money, and finally, how they would prevent my funds from being tampered with in the future. I have not received any acknowledgement from the Bank at all.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file.

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by JEFFERSON CAPITAL SYSTEMS LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights.

**Verification and Documentation Request : ** I request JEFFERSON CAPITAL SYSTEMS LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between JEFFERSON CAPITAL SYSTEMS
LLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf.

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by JEFFERSON CAPITAL SYSTEMS LLC .

**Compliance with FCRA : ** JEFFERSON CAPITAL SYSTEMS LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into JEFFERSON CAPITAL SYSTEMS LLC actions and ensure that corrective measures are taken promptly. 

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

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concern and dissatisfaction regarding a recent chargeback from my Zelle account via my XXXX  XXXX, [ XXXX ], that was processed without any prior notification or request for evidence from my side. The transaction in question occurred on XX/XX/year> and involved a transfer of {$900.00} from XXXX XXXX. To my knowledge, this transaction was legitimate, and I have the necessary documentation to prove it. However, I was surprised to find that the funds were withdrawn from my account without any prior communication or opportunity to present evidence supporting the transactions validity. This has caused me significant inconvenience and financial stress, as the withdrawal was unexpected and left my account balance insufficient for other planned expenses like paying my rent. My payroll check of {$1000.00} was deposited into my account the day {$900.00} was taken out of my account from Zelle for the charge back. 

I contacted my bank fraud department and explained that I was contacted by XXXX XXXX end of XXXX on XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX wanted to host a gXXXX XXXX XXXX XXXX XXXX XXXX  After exchanging messages back and forth we came to an agreement of {$900.00} on XX/XX/XXXX. The agreement was they would Zelle me, since on the XXXX XXXX  there would be additional taxes and fees on top of the {$900.00}. I was doing them a favor by accepting payment via Zelle. Well the XXXX  party came and went with no issues or complaints. Then out of no where I get a charge back with no explanation. When I called my bank they gave me an email to send the proof I had. I sent all proof showing clearly us going back and forth on XXXX platform about how much I was charging and them agreeing to it. I have the proof needed to prove my case but Zelle never contacted me, never reached out. Every time I called they gave me no information nor tried to guide me to what I needed to do. 

I kindly request that you provide an explanation for why this chargeback was initiated without any communication or investigation. Furthermore, I urge you to review your procedures to ensure that account holders are properly informed and given a fair chance to present their side before such actions are taken.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting my money back. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX