23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My family XXXX was ruin XXXX was stolen from my account. I am a new chase customer. I did NOT give anyone access to my account. I see transfer made to account that was not mine. I called Chase bank to explain this. I was given the run around. I did report the transaction online as fraudulent. I never received an update and Chase denied responsibilty.

Why did not chase do security deposit verification like other banks to make sure the account was mine? Just let someone steal that much money and no SECURITY MEASURES in place or notification.I could not get any information to trace transaction. I even checked my bank account the money was there. The worst XXXX ever. My family is without gifts...
Product: Checking or savings account

on XXXX I had a check presented for {$500.00} as pending. I deposited a check the same day to cover. Credits are supposed to post before debits. My deposit cleared the next day and the check was paid and I was CHARGED a UNCOLLECTED FEE. at XXXX my full check was available, I don't understand how I could have been uncollected?
Product: Credit card or prepaid card

I refer specifically to the ad I encountered while booking a flight on the XXXX website. The ad stated that if I applied for and used their rewards card to book the flight, I would receive {$100.00} off the cost of the ticket. I foolishly believed it, applied for and eventually received the card a couple of weeks later. I assumed ( XXXX  me ) that there would be an opportunity to point the charges to the new Barclays card at some point in the booking process, but there wasnt. In order to receive the quoted price on the tickets I had to order them immediately, I couldnt wait for the card to arrive without the price almost doubling. After the application process, nothing showed up in the booking process that referenced the new account or even acknowledged Id applied for it. This is deceptive, fraudulent and illegal.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts.

Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX INQUIRIES : 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 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: Mortgage

Good Afternoon, On XXXX XXXX, 2015, I received a notice from my current mortgage company informing me that my loan was being sold to LenderLive Network , Inc. effective XXXX XXXX, 2015 and I would be receiving a letter with instructions from LenderLive Network , Inc. with my new loan number and instructions for making my mortgage payments. It 's now XXXX XXXX, 2015 and I have n't received anything from LenderLive Network , Inc. I 've tried calling LenderLive Network 's customer service line and have been hung up on 5 times by their automated service. I just want to know where to send my mortgage payment and to speak to a human being at LenderLive for questions. The law requires that new loan servicer companies to notify you 15 days prior to the effective date of the change and Lenderlive Network , Inc. has not sent anything! Please help!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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 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 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 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 or prepaid card

I opened a secured credit card with Capital One Bank in the beginning of 2019. The XXXX company made a mistake and reported it as fraud ... Capital one closed my account. After weeks of speaking to XXXX in credit bureaus disputes at Capital One XXXX direct extension XXXX she had me send identity papers and bank papers etc she rec 'd this info on XX/XX/2019. at which point she assured me they would re-open my account .... months went by never happened! I spoke with her again in XXXX she told me it could not be done but I would get my {$99.00} deposit back, but I HAD to file a complaint with my bank???? made no sense! I did however do it they gave me a provisional {$99.00} till investigation .... well today they reversed the credit saying it was processed correctly. WTH!!! then I got a check from Capital One for {$0.00} stating it was a credit balance refund. I never got my {$99.00} back I have left several messages to XXXX NO RESPONSE I want my security deposit back!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX submitted a Certificate of reinsertion request to Transunion in regards to an acct # XXXX. Ive submitted several identity theft reports in regards to this matter.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I noticed that XXXX of my payments are listed as being 30 days late in consecutive months, which is incorrect. A payment can not be marked as 30 days late in XXXX consecutive months if the first late payment occurred only 30 days past the due date. I have attached a copy of my report to this complaint on the following date XX/XX/24. I'm not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When Discover is calling, they call either every XXXX min or every XXXX minutes, usually up to XXXX phone calls in less than XXXX minutes. When I answer there is no one there and the phone call is then disconnected on their end.
Product: Student loan

XXXX XXXX/Navient made up a fraudulent Tuition Answer loan application for {$15000.00} for the semester of XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX , XXXX NY. XXXX. Supposed applicant was a XXXX. Old XXXX working part time at XXXX XXXX. Stated income ( {$7800.00} ) was based on work experience of 2 months. No co-signer or co-borrower information was entered on loan application. Supposed loan application was received by XXXX XXXX on XX/XX/XXXX and  funds were released to college on XX/XX/XXXX. Check was supposedly mailed to college but they have no record of it. Also, student expenses for this semester were under {$500.00} because no tuition was paid ( father worked at college/no tuition for attending child ), student lived at home and commuted, book costs were very little. The college verbally stated that they would never have okayed a loan based on these costs for any student.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY CREDIT REPORT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THE ACCOUNT ARE UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdept of ed has violated my rights.

USC 1681 SECTION602 A states I have the right to privacy.

usc 1682 section 604a section 2 states a consumer reporting agency canot furnish an account without written instructions.

usc1681c a5 section states No consumer reporting agency may make any report containing any of the following info and other adverse item of information, other than records of convictions and crime which antedates the report by 7 years u.s.c 1681s-2a1 states A PERSON SHALL NOT FUNISH ANY INFORMATION RELAETING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE
Product: Debt collection

Hello. I am paying this debt off today but I want action because I never received any type of notice that I owed them for this debt and it shows then in a collections account. I am paying the debt and want it to be reported immediately for there negligence on any type of letters, phone calls that I never received notifying me of this debt. I will pay it but I want prompt reporting that it was paid. Unacceptable that I never received anything saying I owed XXXX to them.
Product: Debt collection

I was unaware of any debt with Jefferson Capital Systems , LLC. On XX/XX/XXXX, a processor served me with papers for a court hearing at my home to attend court on XX/XX/XXXX. The original creditor on the papers I received is nowhere on my credit report. They state a bill of sale and assignment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are no other pages or amounts on the bill of sale document. According to the bill of sale dated XX/XX/XXXX reflects my personal information with an open date of 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
Product: Debt collection

IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . 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.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Vehicle loan or lease

Prior to purchasing a new truck in XX/XX/2018, XXXX XXXX, did NOT borrow money from Pentagon Federal Credit Union ( PenFed ). Instead he took out a loan with a different credit union. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed requested evidence of insurance coverage for the vehicle. 

On XX/XX/XXXX, Mr. XXXX, an active member of the military, died suddenly. 

On XX/XX/XXXX, XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed demanded proof that it was lienholder, threatening that failure to provide this information would result in a loan recalculation. 

Mr. XXXX 's surviving spouse ( and daughter who had power of attorney for her mother ) telephoned PenFed but  PenFed refused to speak with either of them as they were not the borrower on file. 

On XX/XX/XXXX, Mrs. XXXX sent a copy of the death certificate by mail with a letter requesting proof of a loan because her records showed that there was none. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ) PenFed sent an empty message of sympathy accompanied by a demand for the balance of the loan in the amount of {$26000.00}. 

Only after asking her personal attorney to call, was PenFed willing talk about the barrage of demand letters on a non-existent loan. On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX, said that the loan was canceled the day before onXXXX, because the loan was never negotiated. The substance of this phone conversation was confirmed in a XX/XX/XXXX letter by XXXX XXXX, Estate Accounts Assistant. In this letter, PenFed acknowledged receipt of the death certificate, stated that the loan check had never been negotiated and there was no longer any open loan on file. However, PenFed stated that Ms.XXXX needs to complete a membership application in order to receive the small balance of the savings account funds and get the credit card transferred into her name ( but she would owe payments on any outstanding balances. There was no information as to what if any balance was owed on the credit card ). 

But the icing on the cake was sent on XXXX XXXX XX/XX/XXXX. The letter was addressed to the deceased (! ) demanding copy of the title to establish that PenFed is the lienholder on this NON EXISTENT LOAN! 

In a light most favorable to PenFed, this is an administrative error of epic proportion and the lack of empathy is appalling. In a light least favorable to PenFed, this is an attempt to fraudulently extort money out of a grieving XXXX XXXX widow for money that was never borrowed from PenFed in the first place.
Product: Debt collection

I received a letter from midland credit management threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting, credit repair services, 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 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

My Spouse lost his job due to COVID since hes in the XXXX  business. I have to pay everything on my own. He was also sick. Things really became a mess when 2 Billers deducted money from my BBVA Checking acct earlier than they were supposed to, putting my account in negative and then from there, it was a domino effect that caused many NSF/Returned Items fees. I have cancelled any Auto  EFT pmts I could, but there are some I can not, like with XXXX for example. I have been charged {$1000.00} or more in just fees alone from BBVA since XXXX. I contacted BBVA and asked them to please close my Checking account ASAP or at least freeze it so that no more Auto EFT payments will be deducted, which I can not control and asked if they can waive all the fees at least, due to the pandemic we are going through and so that they dont compound my already fragile financial state. And I of course will pay the amounts they authorized in my behalf in monthly installments. They said they couldnt do that but waived only {$76.00} in fees, which does not help much. Since then, I have been charged more fees from BBVA for deductions I was not aware of and had no control over. They are charging me {$38.00} each time, even for returned payments as low as {$3.00}! This is very unfair and deceptive. There are other Banks that are waiving any and all fees automatically. I need assistance ASAP, so I can move on with my life with less stress. This year has been very challenging for us all. Thank you. - XXXX XXXX