23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX  for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Mortgage

Some years ago, Suntrust Bank reorganized their mortgage billing process. I was instructed to dispose of the current billing in lieu of the new billing being sent. It is an XX/XX/XXXX loan and the 80 % billing part of the loan came as normal, but the 10 % billing part did not, so I decided to use the old payment stubs to pay that month. Due to the fact that the 10 % billing statemnt of the mortgage arrives with a week or less to pay it, I have continued the " use last month 's stub '' process for 2 years or more to pay both the 80 % and 10 % mortgages. 

When I called to Suntrust and asked to have the 10 % billing sent earlier, I was told that could not happen. All billing was automatic and that I would have to use their grace period. I was also told they can not control the XXXX XXXX XXXX XXXX and they could not guarantee when my bill would arrive. I asked the customer service representative if he was sure he could not change the date, he assured me that it could not be done. When I look at the 10 % billing statement date of XX/XX/XXXX and it does not arrive at my home until XXXX XXXX on XX/XX/XXXX, it makes me wonder where the stall in the process is. The postal service is usually faster than 10 days. What makes this questionable is that the 80 % billing statement was run on XX/XX/XXXX. So maybe the 10 % billing statement could be run earlier?
Product: Checking or savings account

I have a TD Bank business account which I opened when I lived in XXXX. I recently moved to XXXX  with the intention of keeping my business and my business account open but since then, circumstances have changed and I have been forced to close my business and therefore no longer require the account. I have asked TD how I can close my account even though I live outside of their service area and their only response has been to go to a local branch. I find this to be an untenable solution when personal account holders have the option of sending a notarized letter or requesting the account closure through their secure messaging system. At this point, in order to avoid paying the monthly maintenance fee, I will be forced to maintain a minimum of {$1500.00} in the account. This will go on until I am able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to make an unnecessary trip to XXXX  and close the account in person.
Product: Debt collection

I am a XXXX in XXXX XXXX. A client came in discussing harassing behavior by a debt collector. I generally make contact and then send a cease and desist letter on the client 's behalf. This person answered the phone improperly - " Law Office '' then he lied to me about the debt, would not provide a fax number, and then called my office back to harass me. Threatening me and my client. ( By the way, he claims to have been collecting on an HSBC debt. ) He reported the following information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone # : XXXX Fax # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Equifax and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : DeptedXXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Date Open XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Whenever a third party accesses your credit report, a notation referencing that action termed an " inquiry '' is made on your credit report. Unfortunately, the presence of inquiries may negatively impact your credit score. The more inquiries present, the faster your credit score may drop. 
Close XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017  XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX   XXXX via XXXXXX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017
Product: Money transfer, virtual currency, or money service

I have proof of a successful transfer from my XXXX wallet of XX/XX/XXXX of XXXX at XXXX in the amount of XXXX to XXXX however, XXXXXXXX  has not deposited said amount. When talking to XXXX XXXX  customer support they confirmed my transaction and said I need to discuss it with XXXXXXXX I have made several attempts to reach out to their customer service. I even created a twitter account to try to reach out to their customer service and I have never received a word about my complaint. Please help me.
Product: Credit card

I, XXXX have been an AMERICAN EXPRESS Card customer with Credit Card number XXXX. I stopped using the card and cancelled the card more than a year ago. However, the payments reimbursed to the card have not been delivered to me by AMEX. I have asked them multiple times over chat and calls and have been issued many cheques for {$540.00}. However, the cheque bounces on payment. I have multiple such instances including XX/XX/XXXX and the last payment on XX/XX/XXXX from AMEX cheque to XXXX that was stopped for payment. 

I have enclosed the sample from the bank. I have been trying to get my money back from AMEX for more than a year and failing to do so. I request you to take stringest action against AMEX to stop hoarding customer money and charge them similar APR as they charge consumers like 24 % for the past one year of hoarding the money. 

The past cheques have been issued in XX/XX/XXXX, XX/XX/XXXX with similar state.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 institution and Zelle failed to investigate my claims adequately. They informed me the recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from Exeter Finance datedXX/XX/XXXX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

In accordance withthe Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX  Has violated my right

15U.S.C 1681Section 604 A Section2 it also
State a Consumer Reporting Agency cannot Furnish a account without my written instrutions
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to work with this company for almost over a years, in 2022 I started disputing this account because doesn't look familiar to me, after my dispute I started to ask for validation of the debt because if I owe the company money I would love to work with them but at this time I don't know who they are, I contacted the company who owns this account which is PROFESSIONAL DEBT via phone and the person that answer the phone was very rude asking me how is possible that I don't know who they are, which I reply I'm sorry but I won't make a payment on this debt if I don't know who this company is and why I owe the money.
Product: Debt collection

During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.
Product: Debt collection

American express trying to collect XXXX debt not owed cfbp, FRA violaton
Product: Checking or savings account

On XX/XX/XXXX, someone had used my card with my pin at a local casino close to my house. It was a charge for {$1500.00}. I know for a fact that I had my card on me at the time of the charge. And I never share my PIN number with anyone. So how someone managed to do this completely baffles me. I filed a dispute with my bank, JP Morgan Chase. Not 24 hours after filing the dispute, they denied my request and have charged me the full amount. This was in no way, shape, or form my doing. And its not fair that the bank can take what little money I do have because I cant explain how some scammer cloned my card and hacked my pin. Id really just love for them to respect my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did complain before and every time I asked for my credit report it is inconsistent with the report, first, my credit report says I owe XXXX {$700.00}, as I point out I'm current XXXX customer and XXXX never asked me for that bill, now my credit report change to I owe {$700.00} utility bill. I don't owe any utility bill, all our household bills pay by my husband. and my husband have an excellent credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I asked Transunion to reinvestigate the following accounts on my credit report. XXXX XXXX XXXX XXXX, XXXX  - XXXX. They received my Letter on XX/XX/XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion said that the accounts were verified. per 15 usc 1681i i have the right to request clarification of the method of verification. On XX/XX/XXXX i formally submitted my request for the method of verification. per the FCRA the company has 15 days to respond and as of today i have not received the method of verification paperwork that i requested and is lawfully entitled. 

according to the FCRA consumer reporting agencies hold a responsibility to publish 100 % accurate information. one quick glance at my credit report and i can spot inaccuracies. if an investigation was performed they would have found these mistakes also. 

XXXX : the first error I spotted is " Account status '' TransUnion and XXXX list the account as derogatory, but XXXX says the account is paid. This clearly not 100 % accurate. another obvious error is the date last active. TransUnion has XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. how is it possible for one account to have different dates of last activity. these are examples of errors that i see and should have been identified when TransUnion performed their reinvestigation. 

the same with XXXX XXXX XXXX  i have requested ALL information involving the reinvestigation of this account and i have not received anything. I'm requesting both accounts to be removed from my consumer report. it's too late to finally provide a valid investigation please delete the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been monitoring my credit report online. I do not authorize the information listed below and request that you investigate the source of these accounts/inquiries and Validate that the creditor had a permissible purpose, and is able to validate all information they are reporting as accurate. I was told that I can not dispute directly with Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Upon your investigation, under Metro 2 compliance I request the validation documentation  between you and the Original furnisher showing the complete file Information And every piece of information being reported is accurate. If you can not provide the requested information above within 30 days of receiving my letter Or if any information Being reported can not be validated with metro 2 compliant documentation, I Demand that The following Items be DELETED FROM MY CREDIT REPORT IMMEDIATELY : XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX Account # XXXX XXXX XXXX Validation of all information reporting from the original creditor And Transunion requested.

Thank you for your prompt assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15usc1681b no permission to place on consumer report.

Privacy law broken according to the privacy Act of 1974 which protects personal info held by federal gov't preventing unauthorized disclosures of such info. Consumers have the right to review such info, request corrections, and be informed of any disclosures. 
Each violation is {$1000.00} per violation Late fees should not be reported according to 15usc1666b timing of payments 15usc1681 ( 2 ) a ( i ) is a transaction report, and transactions are excluded from the report. 
XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX chargeoff account ... Business tax deduction, worthless, uncollectible debt, needs a 1099c..balance should say {$0.00} since it is already paid by the IRS. 
XXXX XXXX XXXX XXXX also a charged off debt that needs to be removed off of the account or reflect a {$0.00} balance, which is uncollectible, worthless debt, business tax deduction, need a 1099c
Product: Money transfer, virtual currency, or money service

Ref. : Requesting restitution in the amount of {$72000.00} pls. due to hacked account I am a XXXX XXXX! 

Hello Mr. XXXX : I am a Sr. Citizen and need your help pls. pls I have had an account for some time at XXXX. 
Sometime between XX/XX/XXXX and XX/XX/2021 my Coinbase account was hacked and the following assets were stolen/ misappropriated : 0.999 BTC-USD asset valued at {$52000.00} approximately Cash balance in the amount of {$19000.00} I am humbly requesting Coinbase XXXX your help in making the restitution for the full amount ( {$72000.00} ) to my account please, please!! 

Would you please have Coinbase respond to my letter in writing by XX/XX/2021. 

Thanking you in advance. 

Sincerely, XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing is running a scam that they now impose a {$10.00} fee for paying your mortgage on their website if it is more than 10 days past the due date. This is true even if you are still within the grace period. Apparently, I have to write a check and use snail mail to pay my mortgage otherwise they charge $ XXXX {$19.00} to pay electronically or over the phone. We all know the transaction costs for processing electronic payments is minimal and this is just an attempt to try to make people miss the deadline and incur late fees. This is an unfair business practice that the government should be prohibiting. It costs them no more money to process a payment on the XXXX of the month than it does on the XXXX, but it eliminates the grace period that was provided by law. Because I ca n't just change my loan servicer when they adopt obnoxious processes, the government should be stepping up and regulating these practices. It would be nice if the Consumer Financial Protection Bureau actually protected consumers from these outrageous practices. Because it costs them more to process paper checks, I will go ahead and start mailing checks again.
Product: Debt collection

Debt Collection agency called " Convergent '' mailed me on XX/XX/XXXX that creditor : XXXX XXXX placed a debt of {$80.00} against XXXX XXXX XXXX. 
I contacted Convergent in XX/XX/XXXX first week that I don't recognize these charges as I moved out from Arizona in XX/XX/XXXX, where I took services from XXXX & I cleared all my dues & made all payments on time. So, I need to check with XXXX & asked Convergent to put this on dispute. Convergent said till the dispute is sorted out, they will not report this debt to any Credit agencies. 

I contacted XXXX XXXX Collections department to discuss this matter and they informed me it is a reporting error from XXXX 's end and I don't owe anything towards XXXX equipment. The charges will be reverted by XX/XX/XXXX and I should inform Convergent about it not to report this debt to any Credit agencies. I wrote 4 times to Convergent email provided in there letter received via mail, but have not received any response. 
On XX/XX/XXXX I generated XXXX  credit report as it was required for my rental home application. I was disappointed to see that Convergent reported this wrong & disputed debt as I owe {$80.00} towards XXXX XXXX. 

I called Convergent to report why they reported this as debt to XXXX credit agency when this matter is in dispute? and I already clarified that XXXX confirmed this is a reporting error from XXXX side. They said it will be reverted as {$0.00} in 40 days & can't explain why it was reported to XXXX   They also confirmed that I don't owe any debt. 

I feel ashamed that my landlord agency questioned me about this debt in my rental application & said they have to rethink about my application. I think this will be reported to any credit card agencies as well if I apply for credit cards or bank accounts. 

My intention to complain is such agencies like Convergent should not be allowed to report wrong debt collections until matter is in dispute and when I am constantly updating them with latest developments. Ultimately, it was mistake of XXXX as reporting error and Convergent to report to credit agencies. I was not at mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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.