23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was scammed by a woman who was renting me an apartment. She asked for {$1700.00} ( XX/XX/2022 ) over Zelle for the security deposit which I paid under the circumstances that this was a legitimate apartment. She refused to show me/tour the apartment and told me I could submit a document to get my funds back. She asked for more money and I said no if I cant see the apartment.I did submit this document and have emails from her starting under the circumstances I would get the money back. I have not received the money. I contacted Zelle because my bank couldn't dispute it. They refused to make an exception as I have a paper trail of this woman telling me I would get my money back, and because I was under the impression she was a reliable person until she scammed me. I have texted and emailed everyday and she has not responded. They told me that there was nothing that they could do despite the circumstances, and I was at fault for authorizing the payment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Second Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my credit report associated with the following account : Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$24000.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Current Last Payment : XX/XX/XXXX Discrepancy Details : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. According to my records and verified payment history, I made all payments on time during this period. These inaccuracies negatively impact my credit report and do not reflect my financial responsibility. 
Evidence Provided : To support this dispute, I have attached the following documentation : Screenshots of payment records from my online account showing that payments were made on time for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my previous dispute correspondence, demonstrating that this issue has been raised before but has yet to be resolved. 
Other relevant documents, such as account statements and communication with the creditor, confirming the accounts good standing during the disputed months. 
Legal Reference : As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate information. Additionally, section 15 USC 1666 ( b ) outlines the requirement for accurate and timely reporting of payments. 
Request for Investigation and Update : I kindly request that you : Investigate this account and update the payment history to reflect " Paid As Agreed Never Late '' for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Provide a detailed description of the investigation process, including procedures and evidence used to verify the accuracy of the reported late payments.

Timeline for Response : In accordance with the FCRA, I expect a written response to this dispute within 30 days. If verifiable proof of late payments can not be provided, I request that the inaccuracies be corrected immediately. 
Thank you for your prompt attention to this matter. I look forward to receiving your response and resolution. Please contact me directly if additional documentation is required. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

After sending XXXX XXXX in Corporate services who claims to be a customer advocate volumes of evidence showing without a doubt that XXXX XXXX  a supposed dating service that I made purchases from does not run a legitimate or honest operation I have had nothing but excuses, refusal to communicate, and a very unprofessional level of effort made to resolve the obvious fact that I never received the services that were supposed to have been rendered! 

The one technicality that Discover tries to rely upon is that their policy of time passed since the dispute was made from the date of purchase. 1 ) If I had known at the time I was being scammed I would have notified them sooner! 2 ) There is no legal statute of limitations on criminal fraud! 3 ) All they do is tell me to work it out with a merchant who has already unmercifully defrauded me! 4 ) All I have gotten is an e-mail saying that they will investigate the matter while continuing to negatively report my credit status in violation of law which states that while in dispute there can be no such report! 
I am appalled at Discover 's lack of effort and ambivalence to their cardholders!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one 's failure to deposit my hard earned direct deposit from my employer. Capital one cited technical issues as it requires timely access to funds. This situation raises concerns about protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX )/ XXXX XXXX XXXX ( XXXX ) continue to violate my rights as a consumer by participating in fraudulent debt collection practices, intentional violating the Fair Debt Collection Practices Act by failing to provide debt validation within 30 days when requested, failing to investigate and provide findings after investigation, and also continue to attempt to collect on the alleged debt from the year XXXX until XXXX. I have begun receiving calls from unauthorized 3rd party debt collection companies in regard to the fraudulent accounts that are listed on all of my consumer credit reports and files, my police report, FTC report, and affidavits due to XXXX negligence and fraudulent practices. XXXX is damaging my reputation and credit worthiness by not following the FDCPA through furnishing info to the credit bureaus that can not be validated and also sharing my Non-Public Personal Information with unauthorized 3rd parties without my consent. Please find attached to this complaint my identifying information such as my driver 's license, social security card, utility bill, identity theft police report and affidavit filed in XXXX, copy of fraudulent credit reporting on XXXX credit report, copy of FTC report and affidavit sent to XXXX in XXXX, copy of written communication mailed to me about alleged XXXX debt from an unauthorized 3rd party collection company, and a copy of XXXX alleged debt validation response in XXXX.
Product: Debt collection

Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because Credit Collection Services , Inc., XXXX, XXXX, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Credit Collection Services XXXX Inc., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This account need to deleted and permanently removed from the XXXX and XXXX credit file of XXXX XXXX, Consumer.
Product: Mortgage

JP Morgan Chase is refusing and has refused to answer because it proves a felony has been committed by them and it is in progress. JPMC EMPLOYEES ARE AWARE THEY ARE BREAKING THE LAW. 

THEY VOIDED INTEREST IN THE CONTRACT BY FRAUD. 
The issue is that JP MORGAN CHASE can not explain their actions without incriminating them selves. THE ISSUE HAS NEVER BEEN ANSWERED FOR THAT REASON. 

JPMC employees know that I can prove that they are aware that the breach of contract was to their detriment and liability. 
If they answer with a real answer they will be admitting wrong so they refused to answer because their intent is to steal property. 
JPMC is aware that the law was broken by their actions once that occurred every action since was to ignore their wrong doing as they try to take my home. 
this complaint has never been answered they only deflect and gas light the issue. 
XXXX XXXX mortgage law says that they embezzled money when my money was applied to another property my pdf that I sent proves wrong doing then the lack of corrective action proves criminal intent. 
obviously telling me every month from XX/XX/XXXX-XX/XX/XXXX that I had insurance was fraud because I did not have any insurance. 
the pdfs I send show that there was a checks and balance system that was never used. 
once the contract was broken by them I can not break it because it is voided in XXXX since they voided the contract they refused to do the right thing and own up to it and make restitution. as a result of their actions I was put under so much stress it caused a XXXX XXXX my life was shortened by this event. 
please bring in the FBI. Financial frauds Div. because insurance frauds and MTG fraud are not all that JPMC has done, EXTORTION IS TAKING PLACE RIGHT NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my Equifax nad XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax and XXXX but allowed it to stay to intentionally hurt my credit score. 

I contacted both Equifax and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone attempted to get a credit card in my name through XXXX XXXX XXXX. It was denied, but i would like the hard pull taken off my Transunion credit report. XXXX XXXX XXXX. Inquiry made XX/XX/2023
Product: Mortgage

Would like to know if Wells Fargo had exposed my mortgage loan to fraudulent practices.
Product: Mortgage

I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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. 

Account Name : 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  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

SYNCB
Contact
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

To whom it may concern, 1. Discover has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. Discover has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights by Discover, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Discover is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to Discover, I XXXX XXXX is also revoking all rights Discover from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between Discover and XXXX XXXX. I am also requesting that they furnish proof that they are licensed and bonded in the state of Georgia.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been trying to get this issue fixed from last 4 months. 
Citi bank replied back to me with misleading information. 

Almost a month ago, I filed a complaint, where I highlighted irregularity in handling my account. Citi bank closed my account and so far Citi bankhas failed to give me a validreason. 
Citi bank did send a response, stating that they close my account, because I had insufficient funds. But they send me a copy of a check which has insufficientfund but the name of the check is XXXX XXXX, where as my name is XXXX XXXX. ( Ref Page 2 ) I am also sending a letter from my bank, where it clearly states that Citi bankwithdrew $ XXXX from myaccount. ( Letter from XXXX ) Citi bank also send another letter, where they sent a copy of the check, where there is no name, it only says XXXX XXXX- which again is not my name. ( Ref Page 7 and Ref Page8 ) I would like to know : 1. Why my account was closed. The reason sent to me by Citi is not valid. 
2. Citi bank should return $ XXXX cashed from my account. 
XXXX. Accept the responsibility that it was Citi bank 's banking error and they shouldn't have closed my account.
Product: Debt collection

Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX  XX/XX/XXXX -- {$XXXX} XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX  # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX # XXXX XX/XX/XXXX -- {$XXXX} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory marks on the credit file
Product: Student loan

No review was done and after several months Complaint/case I submited was closed with no explanation. I have complained to Mohela and studentaid.gov several times with no resolve. 

There are several ( multiple years ) months of payments I have made that are not showing up on my payment count with my servicer Mohela. I have submitted a document sent to me from XXXX that lists the missing months and payment amounts with no communication or resolve to the problem. This has been going on for over a year or more. I want to know why my payments are not being counted and how we get them counted. My employment with a public services agency has been verified for all of the months and years from XXXX.
Product: Student loan

I have a student loan with National Collegiate Trust that is being serviced by AES ( American Education Services ). I filed for co-signer release on XX/XX/XXXX and still have not received any response as of today XX/XX/XXXX. AES states they have not received any response from the lender and that I can not contact the lender directly as AES is the servicer and NCT will not speak to me directly about my account. AES has re-submitted the request today but stated they can not guarantee that I will get any response to the second request either. It is outrageous that these companies are allowed to operate in this manner and completely ignore consumer requests while blaming each other for the inaction.
Product: Student loan

Keybank National Association has been accepting regular monthly payments from me for my account ; payments that I have full proof that I have made them. However, I just received a letter from Keybank stating that I must:1.payoff my loan has I have not made satisfactory payments2. they provided a phone number to call about this situation, that was simply an advertisement for a bogus vacation ( e.g., win a dumb vacaction ). Keybank phrased the advertisement as a " survey '' in which they would then connect you with the appropriate person after completing XXXX questions. You are then asked more than XXXX questions, and once you go through all of their prompts the phone just hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

After realizing my identity was compromised I immediately decided to take the necessary steps in attempt to try resolve this matter with all three of the major credit bureaus. I have sent several disputes including a identity theft report which included several of the fraudulent accounts in question. I have included several pieces of supporting documentation along with my identity theft report and Transunion has failed to provide accurate verification as per the Fair the Credit Reporting Act. Transunion has failed block the fraudulent accounts within 4 days of being notified as per section 605b. Transunion has also failed to abide by sections 609 and 611 of the Fair Credit Reporting Act by taking more than 30 days with the investigation and clearly violating my consumer rights. The fraudulent accounts in question are 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX FKA XXXX  # XXXX, XXXX XXXX  XXXX XXXX  # XXXX, 4. XXXX XXXX University # XXXX, 5. XXXX XXXX # XXXX. All these accounts have and were included in my identity theft report as a result of fraud and in no way should not be listed on my credit report. Transunion continues to send out vague responses without any significant proof of showing any obligation connecting me to any of these debts.