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

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app for XXXX dollars and XXXX dollars I want my name on the settlement I have down loaded photos of the transactions they didnt help at all in the recovery of funds I see there was a settlement because of there shady practices I just what my money back using the app in good faith
Product: Credit reporting or other personal consumer reports

I am a retired veteran, and my information was compromised in a data breech. my information was compromised and used in identity theft to create unauthorized accounts in my name. Since my retirement from service of over 21 years my information has been used to create accounts that have ultimately been added to my credit report. please remove all collection and charge off accounts from my report. This has caused an extreme hardship on my finances. I am asking that all negative accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX be removed from all three credit Bureaus reports. The identity theft without my consent have impacted my credit significantly. The data breech has caused a personal, social, and financial hardship that i am working to have resolved. Please remove all erroneous charges and errors from all three reports.
Product: Checking or savings account

On XX/XX/2022, there was a wire transfer of {$99000.00} wired out of my account through a walk-in service request in New York XXXX On XX/XX/XXXX, another wire transfer of {$60000.00} was done in the same fashion. Shortly after the {$60000.00} transaction, another attempt wire transfer request of {$62000.00} was made and at which point, I received a text message alert seeking to verify the transaction. I denied it right away. Alarmed with the situation, I logged on to my bank account and was required to change my password. Once I reset my password, I noticed that {$60000.00} and {$99000.00} wire transfers were made without my knowledge. I then called Chase 's fraud department and reported the incident. They said that they will send me documents to sign to complete the complaint. I then contacted my local banker. Through further investigation and inquiry, I became aware that similar cases have occurred at Chase branch offices. I was advised to contact the Department of Public Safety to see if there is any request for my Driver 's License made. I went to XXXX on XX/XX/XXXX and only there I was advised to report the incident to the local police. The trooper informed me that this happened to Chase Bank and that the Bank is responsible for the case as they didn't verify my ID properly. I went to XXXX XXXX police station on XX/XX/XXXX and the incident was recorded with pending detective investigation. The Chase Bank local banker filed a complaint on my behalf within the Chase system. Afterward, I received a call on XX/XX/XXXX acknowledging my claim. A follow-up call later in the week was made by the same department/person requesting a police report. The report became available on XXXX XXXX and I sent it to the bank immediately after receiving a copy. On XXXX XXXX, the Chase agent called me and informed me that the {$99000.00} claim is denied. The reason for the denial is that they only give the client 30 plus 5 days to file a claim. This is the first time I heard this. There is no document disclosed to me stating this limitation. The detective, the police officers, and the trooper that I spoke to on the case all stated that this happened before to others and the bank is liable to refund the stolen money under their governance. I also searched the internet for similar cases and got the same conclusion. As multiple incidents happened with Chase bank New York Branches, there is a clear mistake on Chase 's side. Their verification process is flawed and allows fraud to occur. They have allowed criminals to wire transfer large amount of money without further verification using either fake ID or ID obtained via illegal method from local branches in New York while the ID shows Texas address A bank 's clientele should not be responsible for damages caused by the Bank 's inadequate security and failure to communicate, regardless of the timing of the claim.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Flagship Credit for violating my consumer rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), and other applicable laws.

Flagship Credit charged off my vehicle loan in XX/XX/XXXX and reported it as a charge-off on my credit report. However, they later changed the status of the account back to an active loan, which is inaccurate and misleading. This constitutes a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers of information to credit reporting agencies provide accurate information. 

On XX/XX/XXXX, I contacted Flagship Credit requesting a 1099-C Cancellation of Debt form, as they had charged off the debt. However, they failed to respond, violating my rights under the law. Since then, my vehicle was repossessed and sold for {$8800.00} on XX/XX/XXXX. Despite this, Flagship Credit continues to report a false and inflated balance on my credit report, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits the reporting of inaccurate or incomplete information after notice of the dispute.

Additionally, their actions may violate the FDCPA under 15 U.S.C. 1692e, which prohibits false or misleading representations regarding a consumer debt. The continued reporting of inaccurate information also harms my creditworthiness and financial standing.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XXXX Amount Charged Off : {$510.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Cash app transactions. I have submitted multiple transactions that were not authorized. They charged me to replace my card and denied my claims. Dates going back too XXXX of XXXX to XXXX of XXXX. My card has been replaced 6+ times to the point I now only use the app to move money to my teenagers for allowances. There is no live agent to speak to just automated responses. Claims denied without a way to dispute or appeal.
Product: Mortgage

Nationstar Mortgage have alleged they were transferred servicing of a loan that I owed in XXXX 2014. I have filed a lawsuit and voluminous amounts of complaints with Federal and State agencies referencing this debt collection. I have disputed this debt since they 've alleged they were collecting for XXXX XXXX XXXX XXXX. Most recently, I filed CFPB complaints referencing the debt on my XXXX, XXXX, and XXXX reports. As a result, of disputing the loan XXXX for almost three years ; Nationstar Mortgage has deleted this credit line from my the credit repositiories. However, Nationstar Mortgage has continued to send me statements indicating the loan is outstanding in the amount of more then {$140000.00}. Nationstar Mortgage and their attorney, XXXX XXXX and XXXX XXXX XXXX and their attorney, XXXX XXXX XXXX have been lying to the CFPB and the Courts referencing this alleged loan for years. It appears they ca n't synchronize their fraudulent scheme. XXXX XXXX XXXX goes into Court and say one thing and Nationstar Mortgage acts reflects the opposite. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's has repeatedly told the Courts they have nothing to do with the loan since they transferred it to Nationstar Mortgage. Notwithstanding, Nationstar Mortgage will not give me any information referencing the loan they claim I owe more than {$140000.00} and have reported the loan has a XXXX balance with the credit bureaus. I am requesting the status of Nationstar Mortgage, ( XXXX XXXX ) loan XXXX as of today they 're allegedly servicing for the XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address and name should be updated! It in showing incorrect on report! I will attach my personal info with this dispute. I tried to dispute but didnt get any help!
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am not familiar with them, and the company carried it out without my agreement.
Product: Debt collection

a Walmart credit card was opened in my name in XX/XX/XXXX. It was first reported to XXXX in XX/XX/XXXX and has a balance of XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Jefferson Capital Systems for violating the following laws and regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to provide accurate information to credit reporting agencies 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to provide timely notice of debt validation rights to consumers 3. 12 CFR 1006.34 ( d ) - Failure to provide accurate information in debt collection communications 4. 15 USC 1681-S2 ( 7 ) ( A ) - Unlawful use of false or misleading representations in connection with debt collection I have experienced the following issues with Jefferson Capital Systems XXXX Jefferson Capital Systems reported inaccurate information to credit reporting agencies, which has negatively impacted my credit score. 
- Jefferson Capital Systems did not provide me with timely notice of my debt validation rights, as required by law. 
Jefferson Capital Systems provided me with false or misleading representations in communication regarding my debt. 

I have attempted to resolve these issues directly with Jefferson Capital Systems, but have not received a satisfactory resolution. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Jefferson Capital Systems complies with all applicable laws and regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I took out a student loan, and I am still in school. I need to pay interest on this loan while I am still in school. 

Every month, I receive a bill with the total interest due by my due date. However, the number they are providing me is wrong. The total interest due is almost twice the amount they are stating in my bill. On the website, I can pay the " total amount due '' which is the same number provided in my bill. Once again, this number is wrong. 

When I contacted XXXX, they stated that there is no way for me or them to find the accurate outstanding interest on my loan. 

Instead, I have to calculate each month how much interest would accrue during the month.
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 involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Mortgage

Not only did this company not address my issue, I am struggling to make any sense of their response. 

First, I have held this FHA loan for greater than XXXX years, thus the necessary time frame has passed for me to get removal of my PMI, pursuant to FHA guidelines. Second, PMI can be lifted once my equity amount has increased to a certain percentage. The numbers Nationstar 's is basing its numbers on in its letter dated XX/XX/XXXX are based on the numbers of my LTV ratio when it was appraised and purchased in XX/XX/XXXX. 

My condo has appreciated in value since then, thus the LTV is different. I am looking to get an appraiser to come in XX/XX/XXXX and appraise the property so that I can ascertain its current value and get my PMI lifted. Nationstar is telling me I have to use XXXX of their appraisers and that I can not get XXXX of my own licensed and bonded appraisers to value the property in XX/XX/XXXX. The letter I received from Nationstar today suggests that they are skirting the issue and not answering ( nor sending ) me the authority that says I need to use XXXX of their appraisers. 

Again : I want the authority that says I have to use a Nationstar appraiser in XX/XX/XXXX since Nationstar says I have to use XXXX of their appraisers. I want said authority sent to me. 

Since Nationstar has made the terms of my FHA loan an issue, please send me the authority that says I can not get my PMI lifted once my LTV ratio meets certain amounts. 

I have been very clear about my requests. This is now the XXXX time I have requested the same thing.
Product: Mortgage

My father XXXX XXXX took out a reverse mortgage in XX/XX/XXXX. In total he received approximately {$350000.00} for his home on XXXX XXXX XXXX, in XXXX XXXX, NJ XXXX. He passed on XX/XX/XXXX. The buyout is currently {$620000.00}. The loan was originally with XXXX and now is served by RMS. First off the amount of interest charges seems very excessive. Secondly, he was told that we would have at least one year after his death to either sell or refinance the home. RMS has aggressively been trying to force me out and have repeatedly threatened with foreclosure and legal action. My father has been deceased for less than three months. As a result of their tactics, I have been forced to obtain legal council on my own. My attorney XXXX XXXX, who specializes in real estate has told me she has never seen anything like this.
Product: Credit card

I purchased an item in XX/XX/XXXX under a Military Star Card XXXX  months no interest promotion ( valid promotion dates attached ). Interest payments however, were charged in error for XXXX months. When I called in XX/XX/XXXX to notify the Military Star Card, the representative said that since I did not report within XXXX XXXXays of the XXXX  payment, there is no recourse and therefore no refund of the incorrect interest fees.
Product: Debt collection

I AM NOT AWARE OF THIS ACCOUNT I HAVE NEVER LIVED AT THIS ADDRESS ALSO THIS ACCOUNTS SHOWS SOMEONE BY THE NAME OF XXXX XXXX WHICH IS NOT ME I HAVE PROVIDED MY ID CARD FOR PROOF OF ADDRESS AND NAME
Product: Mortgage

Beneficial continues to deny responsibility for the mistakes they made with our home loan from XX/XX/XXXX to XXXX. Effective XXXX XXXX, XXXX they sold our loan to XXXX XXXX XXXX. They continued to erroneously try to collect " past due '' payments from us into XXXX XXXX - in effect trying to extort money from us when not only were we up to date but paid in full until XX/XX/XXXX. They told XXXX that we were behind so XXXX started charging late fees and other fees. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, Vice-President Customer Disputes and XXXX XXXX, manager Customer Disputes, sent a letter to the NYS Attorney General stating that, " We have completed reconciliations on both accounts and can confirm that the account status on each account is accurate. '' AND " Account XXXX ( The account in question ) is current. The next payment is due on XXXX XXXX, XXXX, in the amount of {$1000.00}. '' Statements for XXXX and XXXX XXXX do not reflect the correct payments that we made and my husband spoke with a XXXX at Beneficial on XXXX XXXX, XXXX and she confirmed that our mortgage loan account was up to date. 
Payment history : Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we sent Beneficial a total of {$10000.00}. The financial records of our account that were sent to us by XXXX XXXX, XXXX Customer Disputes, on XXXX XXXX, XXXX, confirms this and we have the cancelled checks to back it up. 
Our monthly payment is {$1700.00}. There are 5 payments due from XXXX XXXX through XXXX XXXX. {$1700.00} x XXXX = {$8500.00}. 
So at the time that Beneficial sold our mortgage to XXXX we were not only up to date but ahead in payments. 
TWO payments were applied to the XXXX XXXX, XXXX payment and only one was credited toward our mortgage. The second should have been applied to the XXXX XXXX, XXXX payment. 
From XXXX/XXXX/XXXX throughXX/XX/XXXX a total amount of {$3600.00} was received by Beneficial yet only one month was credited toward our mortgage. 
We were also assessed four late payment fees, XXXX on XXXX/XXXX/XXXX ( XXXX ), XXXX on XXXX/XXXX/XXXX ( XXXX & XXXX ) and XXXX on XXXX/XXXX/XXXX ( {$34.00} ) for a total of {$61.00}. 
If Beneficial had properly credited our account with the payments we sent in and you cashed, we would have been credited with on time payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The total amount due for those 6 months was ( {$1700.00} x XXXX ) {$10000.00}. 
We paid Beneficial {$10000.00} and that would leave {$500.00} for the month of XX/XX/XXXX in our account. 
In a letter dated XXXX XXXX, XXXX, from XXXX XXXX, Vice President, Customer Service, XXXX XXXX Loans, she states : " Furthermore your allegations are regarding the previous servicer and not XXXX. Please be advised XXXX is unable to confirm any actions or provide any answers in regards to the previous servicer as we are not affiliated with them. In order to have these concerns adequately addressed, you should contact your prior servicer directly. '' Beneficial is the prior servicer and they refuse to address the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian and XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late.