23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXXXXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$160000.00}, balance updated on XX/XX/XXXX, original balance of {$160000.00}, paid off 4 %, {$1200.00} monthly payment, account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, status updated XX/XX/XXXX, account type FHA Mortgage, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Student loan

I have submitted a complaint to the department of education and they replied that they do not handle private loans, my problem is the federal loans, not the private loans. Navient will not work with me to lower the payment to get it up to date. XXXX I called, the female on the other line said she could charge a {$150.00} fee to put my account in forbearance ( my payment is {$130.00} ). She then said to make the payment of {$130.00} and she would help me to lower the payment. At this time I had maybe {$3.00} in my account. She drilled me about my expenses which was an invasion of my privacy and made me uncomfortable. She gave me no options to help me and told me to contact the department of education. After this conversation my credit went down from great to fair because of navient, stating I was 60 days overdue. I got an email from a XXXX XXXX that he was looking over my account XX/XX/XXXX and never heard back, I called XX/XX/XXXX to try to work something out again with no luck. I was told that this XXXX XXXX would contact me next week sometime. I am frustrated and dont want them to affect my credit, it should have never been reported to begin with. This company is a bunch of crooks and I would like a resolution.
Product: Credit card

In XXXX 2015 I started to write to a girl XXXX, that I met thru an on line dating site. I am retired a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move to the XXXX. In our daily letters she mentioned early on that her dad was deceased for 5 yrs. 
In XXXX she asked me to help with an issue, The story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there in XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX, specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. 
As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had happened before wiring the funds XXXX 
This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. 

By this means I feel Case Bank enabled me to send XXXX about {$3500.00} XXXX times. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter dated XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. 
Again, as I had said each time that the payments were made by a 3rd party, if the Chase employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? 
I contacted the Chase fraud department, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments on the account XXXX times, almost {$16000.00}. On no occasion did anyone at the bank tell me that the supposed payments might in fact fail to be 'real '.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here are my tracking numbers XXXX. To remove personal information that I don't want on my credit report. The companies responded without removing the personal information. I sent another letter off in response on XX/XX/2022. Here are my tracking numbers XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX  , 2017, I called Consumer Services Early Warning Services about receiving my report and placing a security freeze on my report. They told me they do n't do security freeze even though they are a reporting service. This is a violation of my rights under the FCRA.
Product: Student loan

I have been paying my loan servicer, Mohela, an extra amount each month to pay my loans off quicker. I sent them a letter directing their accounting department to apply money above and beyond the amount due on each loan to the principal of the loan with the smallest balance. Twice now they have misapplied funds and sent me past due notices in between statements. When incall about this they tell me it is impossible for their accounting department to keep my instructions and follow them. I think this is nonsense. Please look into this
Product: Credit card or prepaid card

I received an alarming email from Netspend with the subject line " Action Needed for your Card. '' I did not, and have never, applied for a credit card with this company. I checked my credit report via XXXX and I do not see any recent inquiries, so either this ID theft that isn't showing on my credit report, or this is one of the most deceptive advertisements for a card I've ever seen. If it's just an advertisement, I would call this a XXXX violation. 

Please investigate potential ID theft. I am attaching the email I received.
Product: Student loan

I recently requested a refund of my student loan payments from EdFinancial that were made during the eligibility period of the One-Time Student Loan Debt Forgiveness plan . 

After making the request, EdFinancial was very ambiguous on when this refund would be completed, mentioning to track the https : //studentaid.gov/debt-relief-announcement website to know when I would get my refund. From my understanding, the refund should be processed immediately from EdFinancial, and the website is where the application is to be " forgiven '' of the debt. 

In addition, there was no way to track the refund application ( no email confirmation, no tracking number, no updated balance on EdFinancial ). 

Thank you.
Product: Money transfer, virtual currency, or money service

Cash app stated that it has live agents to take care of issues but when you try to call or email, its not real or nobody ever answers. Plus they take fees for not even using money on the account in a certain timeframe.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
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
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to address a matter of urgent concern regarding the repossession and subsequent sale of my vehicle, XXXX, by Chase Bank XXXX As of Tuesday XXXX at XXXX, my vehicle was unlawfully repossessed without proper legal authority. 

It has come to my attention that Chase Bank, acting as a SERVICER as concluded in the Transaction Details provided in the Documents below, Chase Bank may have exceeded its authority in initiating repossession proceedings, as the legal rights to the contract, including any rights related to repossession, are held by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as outlined in the Documents below. 

Furthermore, the sale of my vehicle following repossession constitutes a clear violation of my rights as a consumer and a breach of contract. Chase Bank 's actions in this matter are not only unauthorized but also unlawful, and I demand immediate restitution for the damages incurred as a result of these actions.

I hereby demand that Chase Bank cease all further attempts to collect on the alleged debt associated with my vehicle and provide restitution for the improper repossession and sale of my property. Failure to respond to this demand within a reasonable time frame will leave me with no choice but to pursue legal action to assert my rights as a bona fide purchaser and seek appropriate remedies for the damages incurred. 

Despite the repo action, upon thorough examination of the official records of XXXX XXXX, Arizona, there is and was no recorded assignment available for review. This absence of documented proof casts significant doubt on the validity of Chase 's claim to my interest in the receivables. It is deeply troubling that Chase asserts ownership rights over my vehicle without providing adequate evidence to support their claim. This repossession has caused me considerable distress and inconvenience. I urgently request a comprehensive investigation into this matter and a swift resolution to rectify any potential breaches of contract or violations of consumer protection laws. 

Please be advised that I am fully prepared to take all necessary legal steps to protect my rights and interests in this matter. I trust that Chase Bank will act swiftly and responsibly to address this issue and provide a satisfactory resolution. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc report on XX/XX/XXXX but there is still one account that XXXX  have not removed which is XXXX/XXXX. There are also a few inquires that I do not recongize on my report from XXXX  XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile i hope this NOTICE finds you well. i am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that [ MIDLAND CREDIT MANAGEM ] rectifies these issues promptly in accordance with applicable laws and regulations. 

The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer.

In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as

defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ Companys Name ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding
the severity of the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have been saticefied with the actions of credit bureau when comes to my credit. I have submited Identity Theft Reports to bureau 's and there are still Addresses and accounts that they refuse to take off and it is affecting my ability to get credit. And I'm looking to buy a property in the near future.
Product: Credit reporting or other personal consumer reports

This information was reported incorrectly on my credit report without my consent please remove it from my report
Product: Checking or savings account

I contacted this company chime in XXXX while I was traveling because I had a slot of account activity I was noticing money disappearing I requested to have it investigated and I told them I was gon na have it investigated they immediately shut my account down while I was driving cross country I had no money for 8 weeks and no way to get home I had to call for help because of this incident the refused to open the account and give me my money in a timely fashion now I see a lawsuit and they failed to notify me I never was aware of it
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, I sent XXXX XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate.

2. The name and contact information of the original creditor.

3. Documentation showing their legal authority to collect the debt. 

Additionally, despite failing to validate the debt, XXXX XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Credit reporting or other personal consumer reports

I have had XXXX  companies ran my credit and have left hard inquiries on my credit report none of which I authorities XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes .These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates federal law and my rights as a consumer.
Product: Consumer Loan

My credit information was used in another state at a XXXX store, increased my limit and was allowed to charge on me, with out a call to me, When I found out and they sent a card in that persons name to my address a few months had gone by, I never had a billing reflecting it, it is now on my credit report as a charge off and past due 150 days! AND account closed at credit grantors request, all this on my report!. This has harmed me to refinance my condo, I have no negative otherwise on my credit, ever, and I 'm XXXX and go back a long time..I want them to get that off now from my reports.. I do have a open account that I 'm paying on shows no problem, of which I 'm paying off soon and will never do business with them again. I had spoke with them about the allowed charging and thought they were taking care of it for me, and now I find this, I feel this happened in their store by one of their employees, since a clerk from my home town store ordered coat from Illinois store gave my info to them in having a coat I wanted sent to me from their store, and it happened after that ... Please can you help me? Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore XXXX, Transunion, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, XXXX, or Transunion to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.
Product: Credit reporting or other personal consumer reports

this is my 2nd attempt sending letters XXXX, to the CRA 's XXXX, EQUIFAX, AND XXXX about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information from my credit report.
Product: Checking or savings account

I was wiring funds in order to purchase a home. The first attempt failed do to an issue identifying me for security reasons and was told I would need to initiate another wire transfer. The funds from the original wire attempt are still locked in a pending status. This issue almost ruined my entire deal with the title company. Luckily I was able to transfer additional funds and was finally able to get the wire through. The funds from the initial wire are still not available to me. It has now been 6 days and despite multiple calls to citibank and promises to escalate the issue and call me back. They have not called me. Over {$110000.00} is still not available to me
Product: Prepaid card

XX/XX/XXXX I filed a claim for fraud charges on my debit card. Per Bank of America policies and procedures the card should have been closed immediately. I was told it was closed and everything would be taken care of. Due to a BANK ERROR the card was never closed and they allowed my account to be used by the thieves for a full calendar year and I was robbed of over {$12000.00} dollars. After nearly four ( 4 ) years of waiting my first claim in XXXX on this account was finally settled in my favor. Bank of America also reimbursed me for the months of XXXX and XX/XX/XXXX ( they missed multiple transactions for approximately {$870.00} and denied my claim for the missing charges because it was similar to my shopping habits from XXXX and XXXX. Which was already paid to me because video surveillance and police report verified fraud. ) I have been trying to get the remaining balance owed to me from the bank error with no luck and no help from anywhere. Bank of America denies wrong doing and said I never requested to close my card or stop payment on the stolen card. I am including a copy of two letters from Bank of America which says that despite me requesting a stop payment on the funds, Bank of America continued to pay funds against my wishes, until XXXX. I once again requested a reimbursement for the bank error with XXXX letters now that verified my claim and I was denied again. Despite the overwhelming evidence. I am respectfully requesting the CFPB to please assist me in getting reimbursed for the money that was stolen from me. I have been more than patient trying to deal with the bank and get nothing in return. They auto deny my requests and despite me requesting a detailed reason for denial, I get the same auto response from them.