23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter from Fed Loan Servicing stating that they approved my employment certification for the PSLF program, however, the dates are only for 1 year. I have worked at the same XXXX XXXX XXXX organization for 4 years. I have received notification from Fed Loan and the prior servicer in prior years that my employment was certified and accepted since XXXX XXXX, 2013, which is my employment start date. I am attaching the letter. I also received another letter that incorrectly states that my qualifying payments towards PSLF are only for 1 year, despite my 4 years worth of payments. Additionally, when I log into my account, there is nothing on Fed Loan 's website that states I have certified under PSLF and anything record of my qualifying payments. My concern is that I have no proof that I have been certified under the PSLF program for the 4 years I have been working. It is extremely concerning that Fed Loan is failing to provide proof of borrower 's qualifying payments and employment certification because borrowers will need proof of this at the end of their 10 years of working in the public sector and making qualifying payments. I called Fed Loan and expressed my concern. The representative affirmed that her records show my employment certification approval since XXXX XXXX, 2013 in her system. She informed me that Fed Loan issues these letters for the 1 year period for when you send in your employment certification form and that it does not reflect the entire length of time a borrower has been certified for. I explained my concern that I have nothing in writing that states I have 4 years of certification. She agreed to send me a letter stating this. I believe that a borrower should be able to view their employment certification and number of qualifying payments under PSLF when they log into their account online. The lack of disclosure and account information is very concerning for our future loan forgiveness.
Product: Credit card

On XXXX  I used my Chime debit card to pay for a monthly bill. I understood that the payment would not show up until XXXX On that same date my checking account was charged twice for the same payment. Once at XXXX and then again at XXXX. I filed a dispute on the charge shown at XXXX. The debit card was cancelled/terminated and a request for a new card was submitted. While waiting for my new card, the cancelled card was charged {$160.00} on the XXXX and today the card was charged {$10.00}. I spoke to a customer service representative about the charges. I asked how can new charges be authorized on a cancelled debit card. Not one of the 3 representatives could answer my question. Ive filed complaints against the 2 new fraudulent charges. Ive attached all correspondence concerning the 3 charges to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was sent documentation concerning a number of fraudulent accounts, credit inquiries and former addresses. This documentation was also sent to a number of creditors. Somehow, the current address was removed from the report. Experian requested additional proof of identity and the same was provided in the form of a drivers license, social security card, and a utility bill. To date, Experian has failed to add back the current address. In fact, the report- under identification number XXXX- has not a single address in which to identify me or deliver a credit report.
Product: Debt collection

I received a letter in the mail from Phoenix Financial Services saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my XXXX in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Alleged Debt Account Number XXXX Dear Midland Credit Management, I am writing to dispute the validity of the alleged debt associated with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g Sec. 809 ( b ), I have the right to request and receive validation of this debt. Accordingly, I request that you provide me with the following documentation : Calculation of the Balance : Please provide a detailed calculation of the balance you claim is owed, including a complete payment history on this account. This should include the original amount of the debt, any interest or fees added, and all payments or credits applied. 

Documentation of Agreement : Furnish documentation that shows I agreed to pay this debt. This should include any contracts, agreements, or other relevant documents with my signature that establish the validity of this debt. 

Authority to Collect : Provide a copy of the agreement between Midland Credit Management and I that grants you the authority to collect on this alleged debt. I did not sign any contract with midland so there is none to show. 

State License Information : Include a copy of your state license to operate as a debt collector in XXXX XXXX including the license number. 

In addition, under the Fair Credit Reporting Act ( FCRA ), please cease any reporting of this debt to credit bureaus until the debt has been validated by me. Reporting unverifiable information to credit bureaus is a violation of the FCRA and can result in legal consequences. 

Please consider this letter a formal dispute of the validity of this debt. I request that all future communications regarding this matter be made in writing. Additionally, please note that I am keeping detailed records of all correspondence related to this matter, including a copy of this letter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to validate this alleged debt. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

014 XXXX XXXX XXXX Letter on Unfair or Deceptive Credit Practices. ... The FTC Act and the Dodd-Frank Act continue to prohibit unfair or deceptive acts or ... NCUA may determine a statutory violation exists, depending on the facts and ... 

ftc violations
Product: Mortgage

I owned a first mortgage with Chase and a HELOC also with Chase. I was contacted by Chase to offer opportunity to re-finance. I met with mortgage person. The mortgage process was complicated and required a lot of work on my part. As example, their mobile app feature MYHOME does not work properly and I was unable to upload documents to the app as requested, so to satisfy this request, I had to log onto a computer for the first time in 10 years to bank via Chase.com which required me to get security pass codes sent to establish identity. Next I was told I would not have to verify income because they could verify it via my direct deposits via Chase checking, then was later told I needed to produce them for pay stubs as well as multiple years of W2s even though I was a 24 year customer. I did all of that. When my closing was scheduled for a Saturday. 1 hour before the closing XXXX called to cancel it and stated that " Chase did not reply to multiple requests to them in order to have the closing on time. They said Chase did not verify my include among other things. Then, it was rescheduled for XXXX the following Wednesday and the night before the called to confirm it was scheduled for XXXX. Then I changed my schedule to accommodate that new time. Then, the morning of my rescheduled closing I got a call confirming it was for XXXX and I said no it was at XXXX. They called XXXX and then I got a call back saying it was not happening at XXXX  because they assigned my closing to another notary. I had to engage to make the closing happen at XXXX  with the second notary but then was concerned that the first notary had all of my personal documents. The closing did happen that day at XXXX. I signed all of the documents and 4-5 days latter received the cash out portion to use to pay down debt. One of the closing documents said that my property taxes were paid current and through XX/XX/2022. Turns out even though that was in my closing package, somehow between Chase and XXXX they both missed that my property taxes were not paid. Currently I have {$5800.00} property taxes due. Chase had not made a good faith effort to resolve this issue and has passed the escalation around to a team internally who said they will follow up with me by XXXX XXXX. Since this issues is time sensitive with property taxes due I want to escalate this to the highest level. My complaint is : poor service, broken tech/tools in MY Home Mobile, missed closings, multiple rescheduled closings, major error in reconciling and balancing the closing of the mortgage which resulted in property taxes not being paid timely, financial impact to me given I thought property taxes were paid and now they are due. Chase offers a {$2500.00} closing guarantee if a closing is missed due to no fault of the customer. But the fine print says NOT for Re-finance. I believe this practice is unfair because regular mortgage customers get prioritized over re-finance customers and these service failures result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter ( tracking number XXXX ) to TransUnion asking them to do a proper investigation and delete these erroneous accounts from my credit report : Account 1 : US DEPT OF ED XXXX XX/XX/XXXX {$5600.00} Account 2 : US DEPT OF ED XXXX XX/XX/XXXX {$1900.00} Account 3 : US DEPT OF ED XXXX XX/XX/XXXX {$3000.00} Account 4 : US DEPT OF ED XXXX XX/XX/XXXX {$3100.00} Account 5 : US DEPT OF ED XXXX XX/XX/XXXX {$11000.00} Account 6 : US DEPT OF ED XXXX XX/XX/XXXX {$6700.00} Account 7 : US DEPT OF ED XXXX XX/XX/XXXX {$6400.00} Account 8 : US DEPT OF ED XXXX XX/XX/XXXX {$6700.00} Account 9 : US DEPT OF ED XXXX XX/XX/XXXX {$12000.00} Account 10 : US DEPT OF ED XXXX XX/XX/XXXX {$12000.00} They stated that these accounts were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and date last reported is not accurate. This is grounds for removal according to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). 

And to add insult to injury TransUnion has also violated my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these credit bureaus written permission to furnish these accounts on my credit report. I am requesting that the CFPB hold these bureaus accountable according to the law and delete those accounts. 

I have uploaded 3 accounts to you guys that demonstrate multiple reporting errors and inaccuracies.
Product: Credit reporting or other personal consumer reports

Account showing missed payment. Account should be paid in full just recently made a payment XX/XX/XXXX. Sold car to XXXX after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was notified about the amount of {$110.00} owed to XXXX by Sequium Asset Solutions in XX/XX/XXXX. I paid XXXX directly the entire amount owed on XX/XX/XXXX. I have proof of the paid account/account closure, dated XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Sequium Asset Solutions, made additional debt collection efforts for a paid account by reporting these fully paid debts to XXXX and XXXX. These attempts to collect a debt that was already paid are affecting my ability to obtain mortgage loan approval.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian repeatedly reports incorrect information regarding my credit, i have report XXXX ( XXXX master ) is listed 3 times on my report, the company generated a replacement card ( i did not ), i called about a retailers refund and was asked had i received i said no they sent another and another, none of these cards were ever used so they sent and i received a card that i have now which is open and has a XXXX  limit and XXXX  balance the same as when they replaced the first card, i have only one acct with XXXX ) so pls correct this and it is open with a XXXX  limit and XXXX  balance XXXX loan was transferred, paid and full and closed due to refinance with XXXX XXXX  XXXX i have only one mortgage and it is with XXXX  ( pls correct )
Product: Credit reporting or other personal consumer reports

Ive been trying to fix the errors on my credit report for months now because my creditworthiness means a lot to me. These mistakes have really hurt my finances and taken a toll on my emotional well-being, but every time I reach out, my concerns get ignored or brushed off. It just keeps making things worse for both my life and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX ( XXXX creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXXXXXX  ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a complaint to TransUnion, XXXX, XXXX about fraudulent activity on my credit report and I was never notified about the investigation. 
XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX Inquiry XXXX XXXX XX/XX/2021 Inquiry XX/XX/2021 XXXX Inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry XX/XX/202XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX Accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 

I joined the company to improve my credit. My identity was stolen and my checking account was emptied and closed. I didnt have an account I could connect there continued to be an error with my credit union. 
I contacted them immediately and got no answer then three months later as I joined a new back that plaid would connect with and rejoined but they are reporting three months late and I am not late at all. 

This is an error and needs to be corrected as it is dramatically affecting my credit profile.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX  on XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at CHILD SUPPORT ENFORCEMENT on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.
Product: Payday loan, title loan, or personal loan

I agreed to a loan amount of XXXX $ on XX/XX/22. I did not realize the finance charge of XXXX $ I have made 4 payments of in the total XXXX as of XX/XX/22.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

I was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. This account are reporting inaccurate information resurgent # XXXX, {$340.00} no 30 or 60 days reporting but it show 3 90 day late payment it skip 30 and 60 days. XXXX XXXX XXXX XXXXXXXX, this account show {$2000.00} no balance but 1 30days 1 60day 3 90 this is inaccurate information. XXXX  XXXX XXXX # XXXX show 21 90 days late payment 2 60days late payment and 1 30 day late payment. How is thats this all inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over XXXX days and you are still reporting these items without permission and that is fraud.