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

Good day, I sent the payment of {$700.00} through online bill pay from XXXX XXXX and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to citi in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call Citi, and citi said call XXXX XXXX. Citi said since XXXX  years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the XXXX XXXX, i spoke with many different representatives from both XXXX XXXX and XXXX Citi Cards including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and XXXX representative was very impatient with me stating i have to have my financial institution ( XXXX XXXX ) send in writing to return the payment. Another representative said i have to contact Citi bank. I am being circled around and meawhile {$700.00} is lost and XXXX XXXX can not retract it, can not recall payment, XXXX XXXX can not and stating call Citi and Citi said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Product: Debt collection

Portfolio Recovery Associates placed a {$4000.00} collection on my XXXX credit report, which was purchased from XXXX XXXX. 

I have asked PRA representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX  and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that PRA, LLC immediately delete this collection or face further legal consequences.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXXXXXX XXXX have been seeking immediate action from the XXXX XXXX and XXXX XXXX over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The National Credit Reporting Agencies have failed to adequately remedy or investigate the matter under equity.
Product: Checking or savings account

Overdrafts many times, moments prior to paycheck hitting acount
Product: Mortgage

My wife and I applied for a home loan modification through our lender, DiTech, beginning XX/XX/2016 due in large part to a reduction in income. We submitted paystubs, bank statements, a hardship letter, and all other documents requested in a timely manner. Then, we heard nothing until just today -- denying our request for a modification and any other options. I might add that DiTech asked us to send the same information 4 times ( and for which I have the fax confirmations ), claiming that they did not receive the information required to complete our loan modification application. I feel as if they simply delayed the resolution of the application until I was too far behind in my mortgage and now they are asserting that we are in default because my property value, and income are allegedly too high. I had a change in income which is why I needed the modification in the first place -- -and still do.
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. Being that this debt was recently purchased, there is no prior course of dealing pursuant to the legal authority U.C.C. 1-303. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not believe the debt that is being reported on my credit report is valid. Information is incorrect. Says it is open balance when it is not.
Product: Checking or savings account

On XXXX, at XXXX, I received a text message from Chase stating that they need more information about my Chase accounts ending in XXXX ( my checking account ) and XXXX ( my saving account ). The text message asked me to call them or my accounts may be closed soon. I called them at XXXX but no information or questions were asked, instead, they told me Chase has decided to end relationship with me and my saving and checking accounts will be closed. I asked them what information can I provide to keep my accounts open and they told me there was nothing I could do and my accounts will be closed. 

On XXXX, I received a notice on my Chase mobile app stating 'Due to recent activity, or because we need more information from you, we have restricted your account ( s ) ending in XXXX, XXXX and may close it soon. Please act quickly to better understand the restriction on your account you may be able to provide information needed to keep it open. ' However, when I called them again, they didn't ask me or provided me with any information but only told me my accounts will be closed. 

On XXXX morning, I went to a branch of Chase . The banker told me the same thing that my accounts will be closed and there was no way to recover or appeal. They didn't provide me with any reason nor asked me any information. At the mean time, I asked the banker about my CD account and was told this account was not affected. As a result, I decided to close my CD account and get my money back. The banker called their back agents to confirm whether I can get my money in CD and he was told there is no problem doing that and I would get my money back in a cashier 's check right away. However, after he closed my CD account, he couldn't generate a cashier 's check for me. After he called multiple departments, I was told I couldn't get my money in CD back now. 

As of now, the {$860.00} in my checking account ( end in XXXX ), my {$50000.00} in my saving account ( end in XXXX ), and my {$80000.00} in my CD account ( end in XXXX ) are all restricted. 

I only use my Chase accounts to transfer money with my friends or families. I have attached my bank statements. The only thing I recall that might affected my accounts was that in XXXX, I received multiple transactions from multiple people that I don't know. There were 4 XXXX transactions on XXXX and 2 XXXX transactions on XXXX from people that I don't know. When I noticed these on XXXX, I called Chase Fraud Department right away and told them the situation. The fraud department helped me reversed these 6 transactions.

I personally didn't do anything wrong. I even helped Chase protected their customers by contacting them when I found these miscellaneous transactions. I helped Chase fight against fraud! But Chase just close my accounts and hold my money for no reason.
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 XXXXXXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has citied technical issues, which may violate the Electric Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws, and I request you assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I have requested the information on the original debt and proof of debt ie : original contract with my signature. Amount of original debt. What products were purchased and proof that i purchased these items. Itemized list of everything owed.
Product: Student loan

I have filed a previous complaint, but Nelnet lied and then you closed the case. I applied for the XXXX plan on XXXX and transmitted my taxes electronically. I received no updates and I contacted them at the end of XXXX and they said I had never sent my taxes. I submitted them again on XX/XX/XXXX. I am still not on the XXXX plan as of today XX/XX/XXXX. Since XX/XX/XXXX Nelnet has : - Put me in a 3 month forbearance that I didn't ask for - Put me on the XXXX XXXX XXXX - Requested I pay them twice to get off the current plan and on to the XXXX plan. I made the requested {$5.00} payments on XX/XX/XXXX ( payment screenshot attached ) and then again today XX/XX/XXXX ( letters attached ), as I don't know what else to do. 
- Lied to StudentAid.gov and submitted a letter saying I send a " joint tax return '' but indicated I was separated. Both those statements were false. They sent the letter XXXX. A few hours later they said to disregard the letter it was incorrect ( letter and screenshot attached ) - Told me via phone on XXXX that everything was set with my account and that I should be on the XXXX plan by this week - then sent another letter saying I needed to make another {$5.00} payment to them. ( letter attached ) As of today I am still not on the XXXX plan. I have been on hold with them for over an XXXX hours now and still can't get ahold of anyone. The forbearance they put me on, during which I've been accruing interest, ends XX/XX/XXXX. I don't have time to waste at this point. I can't afford standard repayment and that is what I will be entered into, as they've already put it on both of my loans. I am desperate. I have previously reached out to CFPB and Nelnet told them on XX/XX/XXXX it would just take time, but I don't have time at this point.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXXXXXX XXXX XXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXX XXXX XXXX XXXX Charged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to XXXX XXXX XXXXXXXX XXXX for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called XXXX XXXX XXXX XXXX XXXX XXXX  They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all 3 of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 11. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

We received a letter addressed to my husband XXXX XXXX ( letter says XXXX XXXX XXXX ), stating we owe a debt to XXXX XXXX bank. We do not have an account with XXXX XXXX. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.
Product: Student loan

Since XXXX before my loans even began disbursement, I have been employed by a qualifying employer. I have submitted certification forms for this qualifying employment covering XXXX until XXXX of this year. Additionally, I have submitted paperwork waiving any in-school deferment or forbearance. This waiver was in place before MOHELA took over, and I have since resubmitted it twice to MOHELA since they seemingly lost the records. This waiver of deferment and forbearance should be in effect retroactively to the beginning of my loans and moving forward until I request otherwise. These XXXX things combined mean that every single XXXX of my payments should count as eligible towards XXXX. Despite this, there are XXXX payments from XXXX that MOHELA refuses to update as eligible towards XXXX, even though before MOHELA took over they were shown as counting towards XXXX. I have been told that there is an administrative forbearance for these XXXX months, but MOHELA refuses to give me any more information or remove this incorrect forbearance. I did not request this forbearance nor did I never received any notification of this forbearance being placed without my request. It was not, to my knowledge, on my account before MOHELA took over. Every single payment before these XXXX months shows as qualifying towards XXXX, as does every single payment after these XXXX months. Additionally, my required payment amount at this time was {$0.00} as can be seen by looking at the payments before and afterwards, meaning that in effect there would be no difference made to my loans if this forbearance were removed. This forbearance is nonsensical and inaccurate ; it should be removed from my account so that these XXXX payments correctly count as eligible towards XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Product: Student loan

Hello, Ive made attempts in paying my students loans in full on XX/XX/2023 and XX/XX/2023 with both payments being reversed and not being told why. I was not informed by my student loan server about payment not going through therefore resulting in more interest accruing to my account. Ive called my bank to confirm my account numbers & they confirmed they did not receive any sort of request from aidvantage for payment. It is not right that we have to be held responsible for lack on the student loan server part.
Product: Debt collection

On XX/XX/XXXX, I sent a formal cease and desist email to LLOYD & MCDANIEL , PLC, requesting that they immediately cease all communication with me regarding an alleged debt. This request was made under the protections afforded by the FDCPA, 15 U.S.C. 1692c ( c ), which allows consumers to demand that debt collectors stop all forms of communication. I also extended this request to include communication with third parties, specifically credit reporting agencies, citing the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite my clear request, LLOYD & MCDANIEL , PLC, has continued to communicate with me and, to my knowledge, may still be reporting the alleged debt to credit reporting agencies. This conduct is a violation of the FDCPA.

The continued harassment and reporting have caused me significant stress and have infringed upon my rights under the law. Given the severity of these violations, I am seeking compensation for damages as provided under 15 U.S.C. 1692k, which allows for actual damages, statutory damages up to {$1000.00}, and reimbursement of legal fees.
Product: Payday loan, title loan, or personal loan

On XXXXXXXX XXXX my car insurance company issued a check for {$18000.00} because it was totaled XXXX XXXX regional acceptance has been asking me to make a payment for XXXX  which is only {$430.00} and I keep trying to contact their gap insurance people who do not call back about the gap insurance they forced me to get to get their loan and now they're telling me I'm responsible for the rest of the car payments I have to go to work Monday and I'm not going to be able to buy a car because of this shenanigans and I keep calling me and calling me like even if I did all the rest of the money how would I owe {$400.00} after XXXX of it was paid 4 days before the payment
Product: Debt collection

On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.