23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you with great urgency and frustration regarding a fraudulent collection account that appears on my credit report, allegedly owned by your agency. Despite previous communications, this matter remains unresolved, and I am now insisting on the immediate deletion of this account from my credit report. 
Account Information : XXXX XXXX  XXXX XXXX- PLEASE REMOVE!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously disputed the legitimacy of the alleged debt associated with the account mentioned above. I have provided evidence supporting the fact that this account is the result of identity theft and fraud. Despite my efforts, this fraudulent collection account persists on my credit report. 
I am irate and deeply concerned that this matter has not been resolved promptly. The fraudulent nature of this collection account has not been proven, and its presence on my credit report continues to cause significant damage to my creditworthiness.
Product: Checking or savings account

I am writing to file a complaint against NFCU regarding multiple overdraft fees that I unfortunately had incurred. Despite me having Sufficient funds in my account when transactions were authorized, I still was charged those ridiculous fees due to the lagged posting of the charges & credits. This issues aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite having the funds. I do believe these practices are unfair and request an investigation into my account regarding transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. 

( PLEASE SEE ATTACHED LETTERS SENT TO TRANSUNION, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The last three times we tried to get our free annual credit report from Experian online it made us submit our information twice to even get to the opening security questions. After we submitted correct answers to the security questions, the next page says that we can't get it online and that we have to call or write to get the information ; no explanation is given. We have no problem with XXXX or XXXX but Experian makes us call or write to get the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  continues to report on a closed account that has been paid in full.. And is still reporting this account on all 3 credit bureaus as delinquent every month. This account was paid through XXXX XXXX in the amount of {$66.00}. who I contacted and was told that XXXX XXXX needs to stop reporting to the 3 credit bureaus. and update paid in full. I contacted XXXX XXXX and the customer service told me there is nothing she can do, I need to contact XXXX, I feel that I am been lead around in circles..
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS ACCOUNT IT HAS NO ACCOUNT NUMBER, NO CONTACT NUMBER, IT DOESNT MAKE SENSE THE WAY ITS REPORTED ON MY CREDIT PROFILE, THIS IS IRRESPONSIBLE REPORTING, ITS ON NO OTHER BUREAU THIS IS NOT MINE XXXX XXXX?
Product: Checking or savings account

1 ) What is this complaint about? 

JPMorgan Chase Bank, N.A. ( aka Chase ) closed a savings account I had with them 2 days after I opened the account and 1 day after I deposited a check for {$16000.00}. They refused to give me any reason for closing the account. It seemed arbitrary and capricious. It seemed like fraud for them to accept my money on Friday, XX/XX/2018, and close the account the following business day, on Monday, XX/XX/2018. I did receive my money back, but it was three weeks later. The check was dated XX/XX/2018, but it was not mailed until XX/XX/2018, according to the postmark, and I did not receive the check in the mail until XX/XX/2018. 

My complaint is that I do not understand how the government could allow a financial institution to confiscate my money ( even for three weeks ) without due process. 

2 ) What type of problem are you having? 

The problem I am having is that I became homeless because of Chases actions.

3 ) What happened? 

I was going to use the {$16000.00} to move to XXXX, NY. I had given notice at my HUD subsidized building for seniors in XXXX, OR on XX/XX/XXXX and was required to leave by XX/XX/XXXX. I did not receive my funds until XX/XX/XXXX, and then I had to deposit it in another bank where it took another five days to clear. The check cleared the second bank on XX/XX/XXXX. I had asked the building manager where I lived if I could rescind my notice to vacate, since I could not do the move without the funds that Chase denied me access to. I was told the apartment had been offered to someone else, but that I could stay an extra week. Since XXXX is a very busy month for movers, I had to move out on XX/XX/XXXX. I did not have access to my funds until l after I moved out. I can not afford market rate rental in most cities in this country ; I could not do the move without those funds, so I became homeless because of Chases actions not on the street homeless, but without my own apartment. I am sleeping on a sleeping bag on the floor of my sisters home.
Product: Credit card

XX/XX/2023 I ordered a golf skirt order # XXXX from XXXX XXXX XXXX online for {$120.00} on my Apple card. It arrived via UPS on XX/XX/2023. 

It was too large and had a few stains on it so I decided to return via UPS on XX/XX/2023. UPS ground tracking # XXXX to the address that was on their website... I had to pay {$13.00} for the return. The address to return from their website is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPS confirms they delivered it at their gate on XX/XX/2023 at XXXX The following month my Apple card showed no refund. I could not contact XXXX XXXX as they have no phone number to contact. So, I contacted Apple via customer service line and gave my tracking number and they said they would file a dispute. XXXX months later, the disputed amount was deemed in the merchants favor. Apple said that I RECEIVED the product, so I have to pay. I said, I RETURNED the package and have proof with a delivery receipt that the merchant got the return. I've been through 3 written disputes with Apple and 6 half hour phone conversations. Apple says I should just pay it so it doesn't reflect on my credit score. I believe this is a fraudulent company as I Googled the address their website says to send to and goes to an obscure place.I 'm not going to pay this amount as I returned it and have proof it was delivered. Apple is now reporting to my credit agencies as a 60 day late payment. As of today, my credit score went from XXXX to XXXX. I want Apple to return my original payment plus my delivery return fee. Thank you.
Product: Money transfer, virtual currency, or money service

PayPal Scam my funds {$800.00} Did not return to my account they stealing my money.
Product: Credit reporting or other personal consumer reports

I am writing regarding a debt that you claim I owe, referenced by the account, XXXX XXXX Credit Card. Under the Fair Credit Reporting Act ( FCRA ) this account is reported on my credit report balance owed. This account has been transfer, sold to a collection agency. Therefore, you are continue to report inaccurate information on this account. My right as the consumer you are harming my credit score and creditworthiness. If you can not verify this account accurately as by the federal law I will seek legal assistance.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I am in process of short sale of my property in XXXX PA, first mortgage is ready to accept the offered price but second mortgage is not accepting the amount authorized to them by HUD/FHA rules and need more or send the property to foreclosure. Second mortgage is being unlawful hurdle in the process, what are my options.
Product: Mortgage

BSI Financial ( servicer for XXXXXXXX XXXX ) finished the review of my escrow account on XX/XX/XXXX. Their review indicated that I had an overage of {$2000.00}. When I login to my online account, they have added a line in my transaction history stating that they have refunded this amount to me, however, this is inaccurate. I grew concerned that I had not received a check in XXXX and called the company. I called them on XX/XX/XXXX and they stated that the amount needed to be reviewed for 30 days, then I would be issued a check. I called again on XX/XX/XXXX and they stated the 30 day review would be complete on XX/XX/XXXX and I would receive a check. It is XX/XX/XXXX and I have not received a check. I called this morning and the customer service representative stated that the check has not even been cut yet and that " he will call me back once he investigates. '' The FDIC states that mortgage companies have 30 days after escrow analysis to refund any surplus, which BSI Financial is in clear violation of. If this continues I plan to seek legal representation and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. 


XXXX XXXX Late Date XX/XX/XXXX
Product: Credit card

This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
Product: Payday loan, title loan, or personal loan

In  XXXX  I was attempting to paid off my account and made several payments. In  XXXX  I received series of communications via, email, mail and phone call suggesting that since the payments did not occurred on  XXXX , my account is past due. I made multiple payments in  XXXX , however I was n't able to complete the payoff of the account because the last payment was reversed  ( Complaint Number   XXXX  ). I have talked to  XXXX   XXXX   XXXX  on a couple of occasions and they are claiming that my payments for the month of  XXXX  is credited only against the balance and not the schedule payment. Also it look like they are trying to backdate my payments to applied to  XXXX  ( see attachments ) and report my account as 30 days late. I believe this is acting in bad faith in an attempt to force me to make additional payments for  XXXX .   XXXX    XXXX   XXXX  is also overdrawing the payment amount in  XXXX  based on their belief that I am past due.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with hunter warfield and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I filed a previous complaint against Equifax number XXXX regarding fraudulent and unauthorized inquiries on my Equifax consumer credit file. Equifax mailed me a letter as a stall tactic asking for proof of identity when I provided proof of identity with my previous complaint. Equifax remains in violation of my federally protected consumer rights.
Product: Mortgage

I HAVE WRITTEN A LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU AND ATTACHED THE LETTER TO THIS COMPLAINT, I HAVE ALSO ATTACHED SEVERAL DOCUMENTS TO SUBSTANTIATE MY LOAN EXPERIENCE, AND SITUATION.
Product: Debt collection

Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more, they are not even trying to collect a debt from or reach me specifically.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXXXXXX for validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to Experian and XXXX on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments
Product: Mortgage

I applied for a mortgage refinance with XXXX XXXX at PennyMac early XX/XX/2021 in order to secure a lower interest rate and monthly payments, of note my existing mortgage is already serviced by PennyMac, and I thought that would make it an easy process, but little did I know then. 
I quickly got approved for a full 1 % lower interest rate after the house appraisal went through, then came the repeat and erratic requests for documents for income verification, solar panel agreement/ etc, followed by 3-4 week periods of no communication, and calling them for an update resulted in requests for the same documents that were already previously provided, then another long silence period, another call to check on the status resulted in the issue of a revised agreement with higher fees and closing costs ( 2 months after the first offer was already approved? ) I demanded that they respected the first agreement and revise down the fees and closing costs to the initial amounts, then radio silence for another 3 weeks, punctured by occasional status update calls from a lady who would scream on the phone, but those calls were that totally non informative, so I called to get more details, and was told that my case was closed per my own request, and they cited some unknown email address that was used to request the closing of my case I, of course, immediately demanded that the case be reopened since I never asked them to close it in the first place, I was also assured that this would be handled by a supervisorchecking the website, all my previously requested documentation was requested once again, by then we were already in XX/XX/2021, and by then the low interest rate I was offered initially was just not available from any lenders due to the rates creeping up, and I get a survey email asking me about my experience with PennyMacand that is when I call them for a status update, and get told that my application was denied for a high debt to income ratio I cant help but suspect that I was dragged into a lengthy refinance application just to be denied 4 months later when the low interest rates were no longer available, wasting any chance I could I could have refinanced with another company. 
I also suspect that they intentionally declined this preventing me from obtaining a lower interest rate, which could have resulted in lower interest amounts collected by PennyMac over the life of my loan. 
Useful communication was inexistent with my loan officer, XXXX XXXX, who came across as duplicitous, dishonest, and vindictive, deciding to deny me a refinance when I demanded they stick with the initial offer terms with lower fees and costs, just as the interest rates went up so much that I missed the chance for a decent refinance with another company. 
My chance to refinance at a lower rate has been wasted by Pennymacs unscrupulous practices and blatant mismanagement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, submitting yet another CFPB complaint today to inform the Credit Bureaus to reinvestigate and correct or update the following disputed accounts from my Credit Report. I am submitting this Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I need the following accounts removed from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having enough funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud going on with my credit Improper use of my credit. 
I have no authorization to the following companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX
Product: Student loan

My personal and financial information was compromised without my authorization when DOGE gained access to student loan borrowers ' confidential information. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. 
This breach is a clear violation of FERPA and evidence that StudentAid.gov/EdFinancial failed to safeguard my information- as agreed upon when entering my loan contract.