23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

First to give you some background, I am in my XXXX 's and recently ( starting the beginning of XXXXXXXX XXXX ), i started noticing frand ( many charges on various credit cards ) that I did not make. My complaint is with BJ '' s Capital One credit card. I called them to address various charges on my card that I did not make. Of course, they closed the account and after investigations took off the charges. Then just today I received a letter saying that one of the charges I was responsible for. To also give you some additional information, I have only ever used my BJ 's Capital One credit card at my local BJ 's store and at my local BJ 's gas station. Never in my history of owning the card, have I used it like a regular credit card. The charge the said I was responsible for was from a site by the name of XXXXXXXX XXXX XXXX XXXX XXXX  in the amount of {$2500.00}! They said that this charge was made with the card! I have always had the card in my possession so i do not know how this could be. There were also charges from XXXX XXXX on other credit cards that they refunded. I am besides myself with XXXX XXXX XXXX XXXX XXXXXXXX XXXXr XXXX. I need help with his or I will call a lawyer. Can you help me with this?
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 situation and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but 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

There was an overpayment made on an XXXX account I had with Midland Credit Management. To that effect, Midland Credit Management sent me a statement last month that shows I have overpaid them in the amount of {$140.00}. However, the company has never issued a refund check. 

What's worst is when I contacted them today, their representative 's attitude seems to be, they will sit on the money for as long as they want. 

This money is not there, they have no legal right to keep it, and they are blackmailing me in an attempt to make me pay on another issue using the {$140.00} overpayment as bait. 

This is an example of the worst kind of business practice. Not only is it unethical it is illegal and quite frankly the CFPB should be ashamed. This agency was created to prosecute bad business practices. Instead, under the Trump Administration, it seems to be a placebo in an attempt to appeal to voters by saying they are doing something while they are actively doing whatever they can to benefit these bad business actors. Frankly, if someone were to use me that way, then they should at least buy me dinner first. 

Midland Credit Management has 48 hours to cut a refund check to me for the {$140.00} overpayment or I will file a lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has bee reporting false account information against my FCRA 15 USC 1681 rights. I have disputed multiple times and even mailed in documents and they still have refused to remove and delete this information. 

I had a mortgage that was with XXXX XXXX. XXXX XXXX sold the loan to XXXX   XXXX and both are the same loan account reporting. My last payment to XXXX was XX/XX/XXXX and according to 605 15 USC 1681 ( a ) ( 4 ) any account older than 7 years should be removed. On XX/XX/XXXX Experian erased the pay history payment information to allow the account to remain on my account. Experian also erased the Credit Limit amount and other key account details in order to keep XXXX on my account also. 

Experian also changed information on the XXXX XXXX account around with out deleting the account due to FCRA violations. When I asked them to investigate and remove this account Experian also changed the payment dates and amounts around in order to let the account remain. 

The XXXX XXXX and XXXX XXXX account have violated many rules according to the FCRA these are reporting incomplete and inaccurate in many ways and should be deleted immediately. 

FCRA VIolations 606 15 USC 1681 ( a ) ( 4 ) 606 15 USC 1681 ( c ) 606 15 USC 1681 ( e ) 606 15 USC 1681 ( d ) 611 15 USC 1681 ( i )
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negativebinformation to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. PORTFOLIO RECOVERY ASSOCIATES LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW.  I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PORTFOLIO RECOVERY ASSOCIATES LLC.  has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Student loan

I received a phone call from one of my past colleges ( XXXX XXXX XXXX College ) notifying me that I had loans that were close to defaulting. I had never elected loans and had not been aware of any student loans in my name. I got in contact with the loan provider and found out that there were 12 loans in my name totaling nearly {$30000.00}. I made two payments soon after the initial phone call totaling {$2000.00}. After seeking advice, I mailed the Great Lakes two letters requesting copies of the loan document ( s ) and proof that I had taken the loan and requested that my credit score be restored due to being unaware of the loans. The letters were dated XX/XX/XXXX. 

On XX/XX/XXXX, Great Lakes provided a copy of the loan document. The loan document bore a digital signature, providing no proof of the identity of the person who took the loan. The document listed my name, but was missing all other personal information ( birthdate, social security number, and driver 's license number ). Furthermore, the document did not suggest that I would have ever received any communication regarding the loan as the document listed a mailing address, email address, and phone number that were not my own. 

Legal counsel was sought and I am mailing an additional letter to Great Lakes in response to the loan document provided. I am requesting a response from Great Lakes within 30 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card COMENITYBANK/VICTORIA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

On XX/XX/XXXX I faxed the property tax statement to Amerihome as requested loan XXXX, I was told they will adjust the escrow for the XX/XX/XXXX payment and I would get a call in 3 days about the change. I did not get a call. However I never get the accurate information from XXXX  since they took over the mortgage, it has been a poor relationship.

On XX/XX/XXXX I get my updated mortgage statement, and the escrow was increased. not decreased as expected they have {$2400.00} for property tax when the tax statement is {$970.00} for the XX/XX/XXXX year. I called and they showed no record of the statement, until I gave them a date when the fax was sent, and received. Then they located the information, again I was told they will do the correction and give me a call in 3 days. I told them I will not expect a call because I was told that in the past and it does not happen, I can not get any correct information in any matter with this company since XX/XX/XXXX of last year. There service and trust is very poor and disgusting.
Product: Credit card or prepaid card

On XX/XX/2020 Chase closed down all of my credit card accounts personal and business. the given reason I received in a letter was, that there was unexpected activity on my account. however I feel this was done purely out of discrimination against me. I had have a relationship with chase for many many years and I never ever failed to make a payment on time, the closing of the accounts really hurt me and having spoken to numerous managers of chase no one was able to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proceeded with several disputes advising that this information is not mine that the address on file is not mine refuse to delete information stating that it is accurate when it is not
Product: Credit reporting or other personal consumer reports

THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND XXXX AND EXPERIAN CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND XXXX AND EXPERIAN CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXXXXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX  XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION.
Product: Vehicle loan or lease

Pursuant to my consumer rights under FCRA 1592 ( g ) I am the original creditor. As the original creditor I do not validate this debt and it should be removed. The law also states that accounts are voluntarily reported. There is no law that states that a account has to be reported. It is always up to the company 's discretion to remove it. This account is not valid and should be removed from my credit files. Wells Fargo is in violation of my consumer rights by failing to provide original debt validation documents as requested and failing to remove this account. PLEASE STOP SENDING COPIES OF CONTRACT, COPY OF A ONLINE APPLICATION AND COPIES OF DATABASE TRANSACTIONS as that is not valid verification under the law. As I am the original creditor I am demanding for this account to be removed immediately.
Product: Checking or savings account

On XX/XX/XXXX, I called Bank of America to close my checking account. I was informed by them it would take 7 to 10 " business '' days to process this request and to refund my account balance which I told the rep to send the check to my new address specifically and she repeated the new address back to me. I received an email on XX/XX/XXXX that it was closed. I called BoA and was informed that a check " was '' mailed out around XX/XX/XXXX. And this would take " another '' 7 to 10 " business '' days for me to receive it. On XXXX, I did a change of address with the USPS. I was told be another rep I would receive my funds around XXXX - did not receive. I got a call from BoA fraud dept on XX/XX/XXXX, XXXX informing me the check was returned to them. I do not know when the check was received at my local post office and I do not know when the check was received by BoA. I was then told, it'd be another 10 " business '' days for me to receive it, around XX/XX/XXXX. All in all, this entire process ( if I receive it on XX/XX/XXXX ) is 37 days or 5 weeks and 7 days. this is horrible. This check is my first social security check. I am late with my rent and other needs. All I can say is if I were 37 days late with a BoA credit card payment, they would be calling me daily and even multiple times a day. And tacking on late fees and daily interest. This is horrible. What should take no longer than 5 days to close an account and me receive me funds has now taken almost 6 weeks.
Product: Mortgage

I received an escrow analysis stating that we are beginning the year with a {$4900.00} ( approx ) deficit. We modified in XXXX. We received an escrow analysis the last couple of years and our payment went up a bit due to the taxes and insurance increase. However, this year they are raising our payment over {$300.00} a month. We can not afford this increase and it seems they dropped the ball on notifying us properly so that we would not be in this situation. The mortgage company/lender should pay this deficit as it was their fault for letting us get in this situation.
Product: Checking or savings account

My JPMorgan Chase account was new and got hacked several times. I kept getting calls from Chase asking me security questions to verify my account. On XXXX XXXX XXXX  I got a call from someone saying they were Chase and asked my the same security questions, I answered them and they said I need to wire money so they could lock down my account and the wire would be right back in my account, Stupidly I wired it. They hacked my phone and 2.5 later I called Chase to tell them to cancel the wire and I was hacked. I got an email from Chas saying if they don't here from me they would cancel the wire by XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XXXX XXXX dba Abra XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX, XXXX vs. XXXX XXXX XXXX dba Abra Ref # XXXX To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX dba Abra ( Plutus ) account at XXXX in response to an offer to earn {$100.00}. This account is governed by Terms of Use ( the Terms ) which state You and Abra agree to arbitrate any dispute arising from these Terms or your use of our Services. I never received the promised {$100.00}. 
On XX/XX/XXXX, I filed for arbitration against XXXX pursuant to the Terms and the XXXX XXXX XXXX. 
On or about XX/XX/XXXX, I paid a {$250.00} non-refundable filing fee to the arbitration firm. 
XXXX refused to participate in the arbitration in contravention of the Terms and federal law. 
Now, I respectfully demand that XXXX 1 ) pay the {$1500.00} non-refundable filing fee and 2 ) proceed with arbitration as specified in XXXX own Terms. 
Otherwise, I will file a motion to compel arbitration in the U.S. District Court for the District of XXXX. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Previous CFPB Complaint XXXX was closed but the response and documentation provided on the result DOES NOT BELONG TO ME.

My Santander Account number is XXXX and this account was never been repossessed or in charge off status. This account is current. See my statement attached.

You are mixing my account with someone else with the same name  but lives in NM. The letter you provided dated XX/XX/XXXX is for different accounts number ending in XXXX. That is not my account!
Product: Checking or savings account

Summary of Issue : I have been a customer of KeyBank for three to four years. Five months ago, I deposited a check for the amount of {$4000.00} that was mistakenly identified by KeyBank as a third-party check due to an incomplete name. After depositing the check, KeyBank closed my account and has not released the funds. 

I have complied with all of KeyBank 's requests, including providing a notarized letter from the payee. KeyBank assured me the funds would be released after submission of the documents, but they have failed to do so. 

KeyBank 's Actions : KeyBank claimed they sent hold harmless and restitution forms to XXXX XXXX XXXX, the issuers bank. However, XXXX XXXX XXXX  has informed the issuer that they never received these forms or any communication from KeyBank regarding this matter. 
XXXX XXXX XXXX  also notified the issuer that the only way to receive the funds back would be by claiming fraud, which is not true. This is an unreasonable and unfair requirement, as it is not a case of fraud. 
The issuer, together with their bank, tried to contact KeyBank multiple times, but no one answered the phone. I even offered to arrange a call between all parties to verify that this is not fraud, but KeyBank did not accept or respond to my offer. 
KeyBank has repeatedly told me a different excuse each time I have called. They have claimed that the funds were sent, only to be contradicted in subsequent calls when I was told that the funds were not sent. I was also told that I should request the issuer to check with their bank to see if they received the forms, but XXXX XXXX XXXX  confirmed that they never received them. 
Additionally, I was told to have the issuer check with their bank to see if they received the funds, but again, XXXX XXXX XXXX reported that no such funds were sent. 
I have made multiple phone calls, visited the branch, and followed all instructions given by KeyBank, but I am still no closer to resolving this issue.
Product: Mortgage

My mortgage was transferred from XXXX to Mr Cooper at the end of XXXX of XXXX. 

The mortgage service change resulted in two issues : 1 ) Mr. Cooper recorded a payment on XX/XX/XXXX, but did not include this interest in the XXXX for XXXX. My XXXX XXXX is now incorrect by over $ 1500+ in interest. I need a correct XXXX to file my taxes. 

2 ) When transferring the loan, Mr. Cooper incorrectly applied the XXXX payment twice ( on XX/XX/XXXX and XX/XX/XXXX ). I noticed this in XXXX and contacted Mr. Cooper via phone, however they claimed " Everything is correct ''. I received a letter dated XX/XX/XXXX from Mr. Cooper claiming I have a negative escrow balance for taxes and insurance paid on my behalf. This is incorrect, as I have never had an escrow account with my mortgage nor have they paid any taxes or insurance for me. 

Mr. Cooper is now demanding I pay an extra {$180.00} for the next twelve months to correct their mistake. 

I called Mr. Cooper once again on XX/XX/XXXX, and was told they would review my account and get back to me within 10 days. It is now XX/XX/XXXX and I have yet to hear any response. Online, my account still reflects an escrow balance. 

Please see attached letter from Mr. Cooper, call logs, account activity, and screenshot from Mr. Coopers website showing I do not have an escrow account. 

I have always paid my mortgage on time, and I do not have an escrow. I can not afford to pay an extra {$180.00} for the next year.
Product: Debt collection

I am writing to dispute the presence of late payments on my credit report, as listed in the attached report. I believe there is an error in the reporting, and I kindly request an immediate investigation and correction of the information. 

I have identified the following discrepancies in my credit report : PNC BANK XXXX I request that you conduct a thorough investigation into this matter and correct any inaccuracies in my credit report as soon as possible. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies investigate disputed items within 30 days of receiving a dispute. 

Please send me a written confirmation of the results of your investigation, including any corrections made to my credit report. Additionally, I request that you provide an updated copy of my credit report reflecting the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My wells Fargo bank just break federal consumer protection laws, the bank just finalized a settlement but never reached me
Product: Debt collection

Foundation Finance has repeatedly contacted me at my place of business ; a number that they were never given. So I would be very interested in know how they got the number in the first place. Now today I have been getting repeated email from a XXXX XXXX from Foundation Finance asking me to call. When I informed her that I need a reason, she has repeatedly refused to tell me why she was contacting me. 

At this point I'm very very tired of these strong arm tactics and would like it addressed.
Product: Mortgage

Our home mortgage was sold by XXXX XXXX to a company called Specialized Loan Servicing LLC on XX/XX/2018. To date we have not received any information or paperwork from Specialized Loan Servicing. Today is XX/XX/2018. Nor has any payment information been sent to us from SLS. I have called to set up payments and SLS will not even speak with me regarding this note which I have authorization to speak on.When I call SLS the call is picked up in a call center in which a person can hear many conversations going on in the background. In this day and age no person wants to speak about their home mortgage in such an atmosphere. I wis to know where I stand legally before we are called late with our payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX Date of inquiry : XX/XX/ Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XX/XX/XXXXDelete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/ Delete this account. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.