23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was affected by the XX/XX/23 ACH error that caused direct deposits not to post. I reached out to the bank on XX/XX/23 and XX/XX/23. Both days I was told that there was nothing that needed to be done on my or my employer 's part and they expected to have the issue resolved by the end of the business day on XX/XX/23. I asked if they were XXXX percent sure there was nothing my employer needed to do, and they responded, " Yes. '' I called this morning ( XX/XX/23 ) and was told my employer would need to resubmit the payment, after being told otherwise the previous two days. I insisted that they credit my account for the amount of the deposit which I was willing to verify with a digital paystub. They refused. 

Throughout this entire process, I haven't receive one email, phone call, or notification in my account portal regarding the issue. I had to reach out proactively, and they gave me incorrect information about what needed to be done to resolve the issue. I still haven't received my payment, and due to the bank holiday on XX/XX/23, I have no reason to expect my deposit will post before Monday, XX/XX/23. 

JPMorganChase has spent more energy evading accountability for the human error at XXXX ( which they partially own ) than working to resolve this disruption to consumers ' lives. If I had been contacted or, at the very least, received accurate information when I contacted them on XX/XX/23 and XX/XX/23, this could have been resolved by now. 

The ACH error is unacceptable, but it is not my primary complaint. JPMorganChase 's response to issue has been completely inept, flat-footed, and dismissive. They have been sure to highlight that *only* 1 % of deposits were affected. Since this was such an inconsequential number of customers, they should've had a process ready to temporarily credit customers during this extended and ongoing failure to meet their obligations. They should also have fund available to compensate consumers, like me, who have had their ability to meet their obligations undermined by this error and the inept response in the days following. 

If nothing else, I hope the CFPB can put in place policies to prevent consumers from experiencing what I have and hold banks and clearing houses accountable in they same way they hold consumers accountable for late payments.
Product: Credit reporting or other personal consumer reports

I've never lived at XXXX XXXX XXXX XXXX XXXX Ohio but it's on my credit report I want it removed
Product: Debt collection

on XXXX i sent rentdebt XXXX  $ for the debt for XXXX XXXX  paid in full and it should have been deleted from my credit report. they are trying to collect a false amount and i want it to be delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

As I were trying to apply for a home, I noticed damaging information on my credit report with fraudulent accounts. I have sent numerous letters and called numerous times to have these accounts removed. I even filed TWO FTC reports, and No one has helped me. They told me to contact the creditors and each time I did, I was told to call the credit bureaus. According to 15 U.S.C 1681, there should be no damaging information. It is a defamation of character and It is affecting my ability to do anything. This is affecting my life really badly and I Need this removed Immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states the consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

LVNV Funding continues to allege I owe a debt I do not owe. The debt has been canceled with the IRS and now considered income and can not be reported to the credit bureaus. This is a violation of my federal protected consumer rights. I have no contractual obligation and I refuse to pay the debt as I stated in my earlier complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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. ( a5 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 an 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 I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit, Co. XXXX XXXX XXXX XXXX  NE XXXX  Account : XXXX  Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX  1. ) This account, opened in XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXXthru XX/XX/XXXX timeframe. 2. ) XXXX XXXX  was enrolled in XXXX XXXX  at the XXXX XXXX University of XXXX ( located within the XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. We have provided a signed statement from that institution ( Figure A ) which confirms this. 3 ) XXXX XXXX has, at no time in his life, held a drivers license from the State of Virginia. We have provided an attached Identity Theft Criminal Report ( Figure B, Analysis ) by the XXXX County Police ( Iowa ) in which their investigation, and subsequent contact with the XXXX  County ( Virginia ) Police and the Virginia Department of Motor Vehicles confirms this. Further, the only drivers license ever valid for XXXX XXXX  has been issued and maintained in Iowa since it was issued in XX/XX/XXXX. Further, the Virginia Department of Motor Vehicles confirms that no vehicle has ever been registered using the Social Security Number of my client. 4 ) The address provided to and reported by the Ford Motor Credit Company is one that XXXX XXXX  has never lived at. We have provided signed documentation from the management company which proves this fact. ( Figure C ). 6 ) The Ford Motor Credit company failed to respond in any measure to the Cease and Desist notice registered with the XXXX  Court of XXXX  County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of the Ford Motor Credit Company to comply with : Part 681.2 of Title 16 of the Code of Federal Regulations, also known as the Red Flag Rule.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692
Product: Debt collection

Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please rewove it from my credit report.
Product: Credit card

XXXX XXXX Agency Wrote Me A Check on XXXX, 2022, For {$2700.00} To Payoff My Best Buy Credit Card. I Mailed The Check In To Best Buy/Citi To Payoff The Balance. XXXX XXXX Emailed Me A Copy Of The Cleared Check And I Know The Check Was Received By Best Buy Because I Sent It Through Certified Mail. Best Buy Keeps Charging Me Because They Keep Saying It Was Never Received. I have faxed proof and mailed the proof to Best Buy about 6 times total, but they keep telling me nothing was received. Everytime I call customer service, they tell me to fax them the proof again. This has been going on for over a year, enough is enough. I am still current on my payments, the balance is down to {$2200.00} now. I want my best buy card cleared. I want the money that they owe me now.
Product: Credit card or prepaid card

I got an email from pay pal XX/XX/23 to which I owe them I ordered XXXX XXXX for {$1100.00} Invoice XXXX. I did not order this item. I had a previous scam from them. XX/XX/23 pay pal. Submitted my claim I loss XXXX. I filed with local enforcement branch and with federal trade commission.
Product: Credit reporting or other personal consumer reports

During my time as a victim XXXX XXXX XXXX my personal information was used without my consent to open accounts, make inquiries, and engage in unauthorized financial activities. These actions took place during a period of coercion and control, making it impossible for me to protect my information or finances. 

Specific incidents include : On XX/XX/year>, unauthorized inquiries were made by XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. 

On XX/XX/year>, an unauthorized inquiry was made by XXXX XXXX XXXXXXXX XXXX 

Fraudulent accounts were opened, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions were taken without my knowledge or consent and have caused significant harm to my credit standing. I have submitted disputes under the Fair Credit Reporting Act ( FCRA ) and provided supporting documentation. I request the removal of these items from my credit report as they are the result of fraudulent activities beyond my control.
Product: Student loan

SoFi publishes rates of 3.5 on fixed loans for student loan refinancing. All combinations of salary, experience, loan amount and home ownership result in 5.74 % as the lowest rate for refinancing. For example, a {>= $1,000,000} salary at $ XXXX loan debt = 5.74 % rate and {$50000.00} salary at {$100000.00} loan debt = 5.74 %. This is a marketing tactic and is being used to deceive customers into supplying protected information.
Product: Student loan

I recently requested a co-signer release due to a XXXX which was acquired on my job in XXXX. I was approved for XXXX via the Social Security Administration in XXXX. I submitted the necessary documents to the lender who in turn denied my requested. The reason, I will up for reevaluation in XXXX years. That is not the case. I took a medical retirement from my employer in XXXX, I have not worked because I can not work. 

I have requested a detailed statement of all payments made to XXXX and XXXX XXXX, the original lender. It is my belief that XXXX has not applied the payment correctly. Resulting in a higher balance.
Product: Debt collection

I get bills from XXXX XXXX XXXX. And I didnt use any credit to purchase anything. About 2 years now and I get a bill every month and increase every time. For something I dont get.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My current address is incorrect. It should be updated to " XXXX XXXX XXXX XXXX, XXXX XXXX ''. I am not sure why my address are not updated. But please, update it as soon as possible. I have enclosed a copy of my drivers license, social security number and I also have enclosed a copy of my XXXX statement.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also the following inquries not mine never did anything during those date mention here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the next addressees never lived there XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX MA XXXX
Product: Vehicle loan or lease

I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent  service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. 

I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. 

Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. 

Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX, XXXX XXXX XXXX
Product: Debt collection

Hello, I am writing this email with so much stress and so much pain going through this land process with this company. I was sold this land under false pretense. I complained several times that I am no longer interested after finding out it was all a scam all along. I was sold a land worth {$19000.00} for {$49000.00} and after several attempts to reach the company, their office phone and address, all to no avail. Several other of my friends experienced the same thing. The company double diamond scams people and sadly I happen to be one of them. I paid for over a year, because I had added my payment to autopay. They didnt have any support or customer care I could reach when I needed help, I told them several time I dont want the property anymore because of the scaming theyve been doing. I called the credit report to report it earlier this year but I was told to wait until it posts under my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. CREDIT PLUS ( XXXX  XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I own three properties ( escrow account set up for all three ) that are serviced by XXXX XXXX XXXXXXXX, for XXXX XXXX ( lender ) : XXXX XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

One out of the three properties was transferred ( including the escrow account ) to SPS Select Portfolio Servicing in XXXX : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

In XX/XX/XXXX when the property taxes were due to XXXX XXXX, XXXX, NC ; SPS Select Portfolio Servicing paid out the property taxes for all THREE properties ( in the amounts of {$3400.00} and {$3300.00} and {$3200.00} ) although they are only servicing one property ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX )! So, the escrow account of the one property that they are servicing for me went up XXXX to cover for the taxes that were erroneously paid out for the other two properties ( {$3300.00} and {$3200.00} ). This resulted in my monthly payment going up by {$800.00} ( about 30 % more than what I am supposed to pay ). 

This problem has been lingering for almost 6 months now. I have had countless calls with SPS Select Portfolio Servicing, and they keep telling me that they are working on resolving this issue. In the meantime, XXXX XXXX XXXX department, XXXX, NC has reimbursed SPS Select Portfolio Servicing the erroneous tax overpayments ( {$3300.00} and {$3200.00} ). I have called SPS Select Portfolio Servicing several times for them to adjust the escrow account of that one property they're servicing for me, with monies that was sent back by XXXX XXXX XXXX department, XXXX, NC. However, they keep extending the resolution date by 30 days claiming they are working on resolving the issue. 

I have already sent them documentation of each property, and each has a different parcel number, a different street address, and also provided them evidence that the property taxes of two of the properties ( {$3300.00} and {$3200.00} ) have been paid by the rightful servicer : XXXXXXXX XXXX XXXXXXXX, for XXXX XXXX ( lender ). They don't seem to be able to resolve this issue and keep pushing out the date for resolution. The last letter I received from them was on XX/XX/XXXX and they are asking for another extension of 30 days to resolve the problem. 

I would like to file an official complaint for SPS Select Portfolio Servicing. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

This morning, I couldnt believe my eyes when I found inaccurate accounts listed on my credit report. I have absolutely no clue where they came from. Ive always been diligent in checking my credit, and suddenly, these discrepancies have appeared out of nowhere. I thought it might just be a browser issue, but after refreshing the page multiple times, the mistakes remained. Im really frustrated, and Im urging a detailed review of the documents Ive submitted so I can avoid this kind of problem in the future.
Product: Debt collection

On XX/XX/2020 I filed a complaint with CFPB, due to Jefferson Capital Systems ( " JCS '' ) trying to collect a debt not owed. After 3 notices of dispute, and during 4 months after disputing the unrecognized debt " JCS '' never provided proper validation, and never provided any evidence to prove, any binding liability, after never providing any proper validation as FTC Attorney XXXX describes in his opinion " JCS '' was obligated to remove the account from my credit report not later, than 30 days according to the FCRA and FDCPA, and keeps violating the law by not removing the account reported as XXXX XXXX, that " JCS '' clearly claims ownership, and to be the Current Creditor, as he has been doing for the last year. 

In addition to that " JCS '', from the moment the consumer notified formally the dispute of the account had to place a note on the account about the dispute no later than 30 days as per the two Acts referred above mandate. The evidence provided shows 4 months showing no dispute. 

Jefferson Capital Systems has continuously been violating the FCRA, and the FDCPA. Attached you will find the detail, and evidence, to prove the multiple times that JCS violated the law, and keeps violating the law.
Product: Money transfer, virtual currency, or money service

I sent money for a rent payment of {$13000.00} and cashapp charged me a fee of {$36.00} when I tried to stop the payment and requested the recipient to refund me the money back they still kept the {$36.00} and they said they had a different type of cashapp account than mines had I know this in the first place I would not have even used them at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX was reported as charge off in XXXX of 2023. Since then the account has been reported as charge off for multiple months, this is an update in the payment history, in which charge off account CAN NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You have failed to properly investigate this account and your negligence have violated my rights. I demand deletion of the XXXX XXXX Account # XXXX