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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

In XX/XX/2022 my account was closed due to {$400.00} or more overdraft fees that were not authorized and they would not credit my funds back and Im sure there was plenty over drafts that I was charged for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are chapter 13 bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX XXXX and Equifax regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

I signed up for a Chase Checking Account on XX/XX/XXXX. Chase.com advertised a {$200.00} bonus when direct deposit is made to the account within 60 days and with a coupon applied. I signed up online by clicking the green Open Now button shown in attachment Capture1, which states below it " Coupon code automatically applied ''. I opened the account through this link believing the code was applied. 

Apparently, this was not the case and the code was not active, in spite of the advertisement on Chase.com. My first direct deposit was made to the account on XX/XX/XXXX, as shown in attachment Capture2. I waited until statements covering 60 days were posted, but did not receive the {$200.00} bonus. 

On XX/XX/XXXX, I visited a local Chase Bank branch and spoke with a manager who referred me to call the corporate customer service ( XXXX ) to investigate why I had not received the bonus. 

On XX/XX/XXXX, I contacted Chase 's customer service team and was told by the first representative that I should have received an email with the code. I explained there was no code provided because I had followed the link where the code should have been automatically applied as advertised. The representative told me that because I had not applied the coupon code ( which was never provided ) to the account within 30 days that the {$200.00} bonus was forfeited. I asked her to transfer me to a manager for further discussion and she disconnected the call. 

Frustrated, I immediately called back and spoke with a different representative. She explained that the code indeed should have been automatically applied and must have failed at some point in the process. She placed a note on my account detailing that this {$200.00} sign on bonus is active until XX/XX/XXXX, but told me that my only option was to contact a manager of a local branch to ask them to add the code retroactively to my account.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. XXXX opened at XXXX XXXX {$470.00} on XX/XX/XXXXXXXX XXXX opened at XXXX XXXX XXXX {$470.00} on XX/XX/XXXX XXXX  opened at XXXX XXXX XXXX {$830.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX {$1400.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX XXXX XXXX  {$300.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a CapitalOne credit card, which I've had for 5-10 years. I have an autopay and have always paid on time. An autopay for XX/XX/XXXX failed as I'd forgotten to deposit sufficient funds in my linked bank account. I then manually paid three days later on XX/XX/XXXX, meaning I was 3 days late. Rather than calculating interest on 3 days, they calculated on 30 days, i.e. the full billing cycle. Also, rather than calculating based on the overdue balance ( {$3200.00} ), they calculated based on the total outstanding balance ( something over {$5000.00} ), which included charges not yet due, i.e. charges incurred after the most recent billing cycle. I don't know if these charges are in line with policies outlined in the fine print, but even if they were, it appears to me abusive and grossly unfair. I don't see how they can charge for a time when my payments weren't late, and for balances that weren't overdue. Please investigate and get back to me. On top of the excessive interest charge, they charged a late fee of {$29.00}. The rate used in the calculation ( 17.25 % ) seems fair. The problem is the days and balances they use in the calculations. I've uploaded a copy of the statement with the charges.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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 that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPB 's 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 accountable and raises serious concerns about consumer safety.
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 XXXX XXXX XXXX. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

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.
Product: Debt collection

I had a home equity line of credit with XXXX XXXX XXXX for several years. Without any warning, my loan was sold to another lender. However, I continued to make the payments to XXXX XXXX XXXX online in good faith from XX/XX/XXXX until XX/XX/XXXX, when I received a call from the new lender, Specialized Loan Servicing informing me that I was three months behind in payments. I retrieved their payment information and started paying them directly after that time. I told them that the prior three payments were in fact made but paid through XXXX   XXXX XXXX. I have the bank statements to prove it and promptly emailed them to Specialized Loan Servicing, per their instructions. Fast forward to XX/XX/XXXX. I receive a huge envelope from Specialized Loan Servicing urging me to restructure my loan since I am seriously behind in payments. It is like I never even spoke to them regarding this matter or sent them proof that the payments were made. I did also speak to XXXX from XXXX  XXXX XXXX, Texas today regarding this issue and she verified that the payments were deducted from my account and should have been forwarded and that this was really an issue with the new lender. At any rate nobody at Specialized Loan Servicing seems to know what happened to my missing three payments for {$210.00} each, even though I have also spoken with them again today. I did resend the online Bill Pay Statement history from XXXX XXXX XXXX for this account as well, since their customer support said there wasn't even a case opened yet to do a tracer on the missing payments, which seriously concerns me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wi the fair credit reporting act, Credit collection XXXX XXXX I account number 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 an account without my written instructions
Product: Debt collection

In XXXX XXXX a collection appeared in my credit file from Vance and Huffman LLC, after researching this, the account in question is from XXXX XXXX XXXX, currently named XXXX XXXX, and the account was sold to Vance and Huffman LLC. I hadn't heard of either of these entities. The phone listed in association with the account was lost, and my credit files all had a fraud alert placed to prevent entities from using my identity to receive services. In this case, a loan was made for {$2500.00} and today Vance and Huffman LLC has that sameoan listed for {$4400.00}. The verification email shows me getting paid on the XXXX. I'm a retired Military Veteran, and get paid at the end of each month. There is a electronic signature but I can assure you, this isn't a loan that I applied for. I've already sought legal counsel, but we agreed to try contacting the CFPB again for the second or third time. On their we site, the reviews shows 90 % or more of bad reviews complaining about the exact same issue. Mystery accounts appearing on consumers credit reports, and aggressive behavior from the representatives when they attempt to inquire about these issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX  Credit Report and note a hard inquiry on my Credit Report from " Nicholas Finance '', for which I have no knowledge of nor have I contracted with them. Nicholas Finance has not provided any contact or account information so that is verified or validated.This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
Product: Mortgage

Mr. Cooper seems to be purposefully delaying the closing process. I am the seller and I am selling my home through an assumption process. We have been under contract since XX/XX/XXXX. We have a closing date scheduled for XXXX XX/XX/XXXX, and Mr. Cooper keeps inventing new forms and request from the buyers that theyve already provided. They refuse to issue the closing disclosure until they receive a pay statement from the buyer that will not be generated before the closing disclosure is due. The pay statement will post on XX/XX/XXXX and Mr. Cooper insists it is required before issuing the disclosure. I am also under contract to purchase a home on XX/XX/XXXX and that purchase is at risk if we delay closing any further. Mr , cooper will not return my agents calls for information on this process.
Product: Credit card or prepaid card

Requested a transfer of {$XXXX} from capital one account to an outside financial institute, XXXX checking on XX/XX/2022. Money was removing from my capital one account but was never received at receiving bank. I have tried on several occasions to resolve this matter but was told its no longer our problem. They will not place a tracking on the transfer and have told me that it is up to the receiving bank, of which has no information on it. I have yet called again to Capital One today to be informed that they have closed the complaint, but there is no resolution on the notes, of which they will not share with me. My bank, XXXX, has tried to locate such money but is unable to because they did not preform the transaction. No deposit or transfer has been made to my XXXX account, per XXXX. Money was never received. XXXX asked for a tracking number, of which capital one will not provide to me or my bank. Therefore, my {$XXXX} is missing and capital one will not track or find it. I feel that Capital One has stole my {$XXXX} and has refused to give it back. How can something like this happen and how can an institution of that size get away with ripping people off. I would like my money back with all the interest that has accrued. XXXX at an end as to what to do. Please help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXXXXXX repeated failure to comply with my requests for investigation and verification of inaccurate information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a written dispute to XXXX XXXX at the address po box XXXX, XXXX, CA XXXX. In this letter, I outlined inaccuracies in my account information ( Account # XXXX ) and requested an investigation as required under 15 U.S.C. 1681i. Although the address was incorrect, this a copy of this dispute was included in my CFPB complaint which XXXX XXXX  received along with the CFPB complaint which they responded to. 

XXXX XXXX responded, stating I had sent my dispute to the incorrect address and provided a new address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ). On XX/XX/year>, I sent a dispute to this new address, clearly requesting an audit trail and the removal of the inaccurate account if it could not be verified. Despite these repeated efforts, I have yet to receive a response or any indication that XXXX XXXX conducted an investigation, which is a clear violation of FCRA requirements. 

Under FCRA, furnishers of credit information are obligated to : 1. Investigate disputes received directly from a consumer within 30 days of receipt ( 15 U.S.C. 1681s-2 ( b ) ).

2. Provide accurate and complete information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). 

XXXX XXXX failure to address my dispute violates these statutory obligations. This inaccurate and unverifiable account continues to harm my creditworthiness and cause undue distress.
Product: Credit reporting or other personal consumer reports

All three major credit burueas ignored FCRA and sided with the collection agencies that I never signed a contract with for services violating FCRA. I've had a Tax Garnishment levied since 2015 when I was never personally served from a County I haven't lived in that jurisdiction nor attended or notified of that court hearing but received mail on it YEARs later. I called the XXXX XXXX XXXX and they told me too bad I had 14 days to respond and I should have forwarded my mail, which was done by XXXX right when I moved. I was living in XXXX when this happened I have been on XXXX since 2015.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : This is not a verification complaint!!! The original complaint was submitted XX/XX/year>. Experian verified the account with XXXX which was not the complaint. Experian refused to do a proper investigation and looked over the laws pass by Congress. 

I recently received a copy of my Experian Credit Report and I noticed that late payments from XXXX  is still posted on my report : XXXX  ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer credit report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Best Regards, XXXX XXXX
Product: Student loan

I have repeatedly attempted to request that all of my federal loan groups be placed under the income based repayment plan. I have submitted my application for this XXXX separate times. Nelnet has communicated false information to me over the phone on over XXXX occasions causing the delay of this change taking place and causing me to have to use up to three months of hardship forbearance which I should not have had to use at all since I qualify for $ 0 monthly payments at this time due to my family 's very low income. Nelnet has claimed that they would put my loan on administrative forbearance twice since it was their error. These claims were untrue and I received calls from them weeks later stating that their representative was wrong and I do not qualify for administrative forbearance. When they call they ask for payment for the loans which become past due since they never placed the administrative forbearance on the loan that they promised to place on it. The representatives largely refuse to give me their last name, their employee ID number and anything in writing that states the promises that they make to me over the phone about the steps they are taking to get my loans on the right track. They have also coerced me into putting my loans on hardship forbearance, of which I only have a limited amount, and then denied me the opportunity to place those loans on an income based repayment plan because the loans were already on hardship forbearance. Then once the forbearance runs out they state that I owe on the loans, that I must reapply for the income based repayment plan and that if I ca n't pay the amount due then my only choice is to put them on hardship forbearance again. I 've been dealing with this issue for over 6 months and find that their staff is largely incompetent and untrustworthy. I hope to find a way to, in the future, have an agency that is reliable and trustworthy manage my loans even if that means a higher interest rate and consolidation. Nelnet 's practices are harmful to consumers and the overall feeling is like you are in the twilight zone. It seems that their departments do not know what each other are doing and that the staff that consumers can reach over the phone have had extremely unsatisfactory training in how to do their job. The root of the problem seems to be either poor training or willful deception of consumers that have little to no opportunity for recourse since documentation of the calls is not provided to the consumers and when I request documentation they state they are not allowed to provide anything to me. I feel trapped and miserable dealing with this company and disappointed that the Federal Government allows them to manage student loans. I did not choose NelNet and it seems extraordinarily unfair to have to bear the burden of their continuous mistakes and misleading information.