23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : BofA XXXX # XXXX I want CFPB help to enforce payments for additional compensation requested from Bank of America XXXX. BofA XXXX sent me a check for {$1400.00} and it is not enough to cover all the types of financial harm experienced from the incorrect procedures and all the same findings as the XXXX assessment for civil money penalty reflected in my BofA prepaid account ending XXXX. My account was in the negative from the incorrect procedure to reverse the temporary credit from an incorrectly denied claim. Also the are existing denied error claims to dispute unauthorized transactions XXXX XXXX XXXX for not considering the written and oral statements that describe valid reason to dispute an unauthorized transaction. Also in my account history I am 2 months ago requested for the reissuance of XXXX ACH credit deposit from the time period of XX/XX/year> to XX/XX/XXXX that I didn't receive because they seem to have been on multiple new cards in the month of XXXX of 2021 and the cards I did not request. I made this order or request for reissuance of the XXXX deposits the total {$18.00}, XXXX over a month ago and they all the customer service workers don't seem to have a record of of the request order or the for the reissues of all XXXX direct deposits so I didn't receive that was XXXX other cards I didn't request and some unauthorized transactions on them also in 2021. I will upload a picture of the of the document that shows the the typed typed request letter I sent to Bank of America
Product: Credit reporting or other personal consumer reports

I dispute these items under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which mandates that a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I have not authorized the use of my credit report for these purposes, and thus this information should not appear on my credit file.

Furthermore, I believe this situation may involve identity theft, as defined under 18 U.S.C. 1028A. The use of my personal information for unauthorized credit transactions constitutes aggravated identity theft, which carries legal penalties. I request a thorough investigation to verify the legitimacy of the reported information and remove any data that can not be validated.

Additionally, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) outlines requirements for safeguarding personal information. I expect that your agency will comply with these standards by ensuring my information is protected from unauthorized disclosures and is only used in accordance with my explicit consent.

Please conduct a prompt investigation into this matter and provide me with the results in writing. I also request that you send me an updated copy of my credit report showing the corrected information
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of dispute with Chase Auto Loan regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. Chase did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust Chase Bank/Auto Loan. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust Chase would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting Chase would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016!  No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how Chase runs their business.
Product: Prepaid card

My employer UPS states they sent the direct deposit to be paid XX/XX/XXXX. However, US Bank is stating they do not hold funds & they can't see pending direct deposits. On XX/XX/XXXX I called & was hung up on the XXXX time for being nice around XXXX. The XXXX time they ( XXXX XXXX stated they couldn't open a missing load ( missing deposit ) inquiry until XXXX XXXX. I called back at XXXX & someone else opened the inquiry. She ( XXXX ) said that it XXXX post by end of business XXXX CT. However, before human # XXXX hung up on me she said by close of business it XXXX post, but she couldn't tell me what time XXXX is for US Bank. As of right now, I have no direct deposit of {$770.00}. I regret trying out the US Bank payroll card. Also, it was states that US Bank will research my inquiry which takes one business day. I was advised to call back on Monday XX/XX/XXXX. I don't know why I'm shocked that the government allows US Bank to steal money as if it's not an issue.
Product: Mortgage

Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.
Product: Credit card or prepaid card

Dear I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened on XX/XX/2022 without my consent, and there is a current value of around {$560.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial, The Law Office of OneMain Holdings , Inc., OneMain Holdings, XXXX XXXX, or one of it's affiliates have received certified well-documented mailings for Validation, Non-Response, Cease and Desist requests. Each request has been ignored and as a result the account remains on my credit file. 

I have included one of the letters in the attachments
Product: Money transfer, virtual currency, or money service

My complaint is with Zelle, which I have been using for a couple years. They seem unable to handle any disputes particularly if money is sent to the wrong user and you need to pull it back. In light of a recent lawsuit against the app and banks utilizing the app, I wanted to air my concern of the platform. I was not adequately notified that recovering lost funds is a relative impossibility, and this makes the app unfit to work claims. Additionally, this inability within the app leaves users vulnerable to scams and exploitation. This lack of accountability and tracking is not safe for the customers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Dear CFPB, I am writing to request your assistance in resolving a dispute with Spring Oaks Capital , regarding a debt validation issue. Despite my multiple attempts to obtain proper validation of the debt they claim I owe ; the company has not provided the necessary documentation as required by federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested debt validation on [ date of request ], which legally obligates the debt collector to cease collection efforts until they verify the debt.

Specifically, I asked for : A copy of the original contract or agreement that created the debt. 
A detailed, itemized account of all charges, payments, and interest applied. 
Documentation proving that Spring Oaks Capital. has the legal right to collect debt Spring Oaks Capital. has failed to comply with my request, as they have not provided sufficient information to validate the debt. Continued collection attempts without proper validation violate my rights under the FDCPA, which protects consumers from unfair and deceptive collection practices.

I am requesting your intervention to compel Spring Oaks Capital. to fulfill their legal obligation by providing complete and accurate debt validation documentation. I also ask that any further collection activity be suspended until they comply with the requirements set forth in 15 U.S.C. 1692g ( b ).

For your reference, I have enclosed copies of my original correspondence with Spring Oaks Capital. and any responses I have received.

Thank you for your time and attention to this matter. I look forward to your support in enforcing consumer protection laws and ensuring that my rights are upheld. 

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

PLEASE NOTE, THIS IS A NOT A DUPLICATE COMPLAINT, THIS IS A COMPLAINT CREATED BY myself with no third party involved. 
I have submitted my dispute to TRANSUNION CREDIT BUREAU numerous times as ONLY TRANSUNION HAS REPORTED THIS PUBLIC RECORD ON MY ACCOUNT. 
I'm asking TRANSUNION TO VERIFY THIS ACCOUNT - XXXX  XXXX Bankruptcy Reference number : XXXX, I BELIVE THE VERIFICATION PROCCESS REQURED THEM THROGH ORIGINAL CREDITOR OR ORGANIZATION WHO IS HOLDING THIS INFO. AS FROM MY UNDERSTANDING IT SHOULD BE A COURT, I have sent my request to the court and also I have requested my credit REPORT FROM XXXX  REPORT, I have received a letter from the court that I have previously provided to TRANSUNION AND I '' M attaching this letter here again together with report from XXXX, none of these organization could verify that account as my account, there is no record indicated on my profile. AND ONLY TRANSUNION HAS REPORTED THIS PUBLIC RECORED ON MY CREDIT HISTORY. 
I believe according to FCRA law if account can't be verify IT MUST BE DELETED. Verification must be with original creditor who placed that account or record.
Product: Debt collection

XXXX signed up with XXXX XXXX changed mind on using they're services and spoke to loan company which informed me to notify school. Sent email and spoke to XXXX XXXX my program advisor. Never received bill or seen anything on credit stating that I owed assumed everything was handled as needed. Five years later receive a summons from lawyer XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representing MSW LLC on XX/XX/XXXX. My paper work shows that XXXX XXXX sold loan to XXXX XXXX on XX/XX/XXXX then XXXX sold loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX file Chapter XXXX on XX/XX/XXXX per XXXX  and is no longer in business. XXXX  Attorney General also filed a suit against XXXX XXXX. Statue of limitations has ran out in XXXX  where debt was establish. My work, job etc. are all affiliated with XXXX but MSW LLC has filed in XXXX haven't lived there over 12 years. I have seek legal advise to have case dismissed due to lack of jurisdiction but the lawyer has been trying to submit debt without having me appear in court. Last document was sent to me by lawyer on XX/XX/XXXX stated order for judgement. Upon consideration of the Plaintiff 's Motion for Judgement, together with good cause shown and upon the failure of the defendant to properly answer Plaintiff 's Interrogatories in this proceeding, it is therefore, this __ day of XXXX XXXX, by the District Court for XXXX County ordered, that the Plaintiff 's motion for judgement be and is hereby Granted and it is further ordered that judgment be and is herby entered in favor of the Plaintiff and against defendant in the principal amount of XXXX, plus pre-judgment interest in the amount of XXXX plus court costs and post-judgement interest at the legal rate. No signature of Judge on bottom or dates in space. Court date XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have called them for the past 3 months due to them misapplying my payments and come the due date, it shows Im past due. I have over paid by what is due each month and have called in but i have to do this each month even though I have been told this would be corrected. It still has not been corrected and I still have to call in to avoid late charges. I already told them last time I dont want to call in each month, this has already been escalated to their emr department. Their emr department was to call me by Friday. A phone number was provided but apparently they didnt use phone number provided and used home phone number and they mentioned someone picked up amd hung up on them. Really? I attempted today to call XXXX who was to be the emr rep assigned. He wasnt available so i chose to leave a message however after the automated system transferred me to his mailbox, his mailbox is full and cant accept new messages so it then disconnected me. This whole thing is beyond frustrating. I called into customer service and they said they need to transfer me to an emr rep. I spoke with a XXXX. He claims that he will address this and have taken care of once and for all, however being as what i have went through thus far you can see my frustration and lack of confidence that this will be rectified. This is now my 3rd complaint about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter regarding an account on my consumer report furnished by the U.S Department of Education and according to the FCRA this is a violation being that it was already removed from equifax and experian. And pursuant to 15 usc 1681a under the exclusions section under ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report. It states under The truth in lending and FCRA that the definition of a credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This account is also already paid in full.
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 tenacious rebelliousness XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I made numerous attempts to get answers on this situation, i did not apply for any car loan, as they claim, nor have i know the co-buyer on this loan. Speaking to Bridge crest i was never give the location of where this loan was opened. i was never given any paper work with my signature attached to it
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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: Debt collection

I am writing to dispute the recent reporting of a late payment on my account # XXXX, XXXX. Upon reviewing my credit report, I discovered that XXXX and XXXX XXXX XXXX incorrectly marked my accounts as 30 days late. This discrepancy is unwarranted and inaccurate.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax