23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt and Request for Verification under 15 U.S.C. 1692g Dear Source Receivables Management, I am writing to formally dispute the debt referenced in your communications, related to the account ending in XXXX with a balance of {$120.00}, allegedly owed to XXXX XXXX XXXX XXXX I do not recognize this debt and believe it to be invalid. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following : Verification of the Debt : Detailed information proving that the debt is valid, including a copy of the original contract or agreement that shows I am responsible for this debt.

Account History : A complete accounting of the debt, including the original amount, any payments made, and any fees or interest that have been added. 
Proof of Ownership : Documentation that proves Source Receivables Management has the legal right to collect this debt. 
Creditor Information : The name and address of the original creditor to whom the debt was owed. 
As required by law, I request that this debt be marked as disputed on my credit report until the matter is resolved. Additionally, if you can not verify the debt, I request that you immediately cease any further collection activities and have the debt removed from my credit report. 

Please provide the requested documentation within 30 days of receipt of this letter. If you can not provide sufficient verification, I demand that you remove all information regarding this debt from my credit report and confirm in writing that this has been done. 

Failure to comply with this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office, as well as pursuing legal remedies available to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

This is XXXX XXXX who is submitting this CFPB complaint myself. JPMCB XXXX  is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( JPMCB XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by Equifax and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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: Checking or savings account

I beleive Marcus froze access to the funds in my account in XXXX. They did not reach out to resolve the freeze proactively. Attempts to transfer funds back into my primary bank account prompts a message that says there is an error with the website and that I should try again later. I tried several times between XX/XX/XXXX and XXXX XXXX. Realizing the error was incorrect, I contacted Marcus to resolve the issue. They informed me that my account is frozen for withdrawals until they can verify I own the account I am attempting to move funds in to. Incidentally, the account is not new and I have been using this account to transfer funds with Marcus for several years. Marcus staff said they needed to contact my primary bank to verify my ownership. For security reasons, my bank will not verify ownership over the phone ( which makes sense, after all, anyone can call in and state they are from another bank and ask if a person owns an account ). Marcus has asked that I snail mail them a copy of my bank statement showing that I own the account. This is clearly security theatre, as altering a statement before printing and mailing is a very simple task. However, I have complied with their request to regain access to my money. I mailed the statement nearly XXXX weeks ago. Marcus phone reps have confirmed receipt of the statement as of XX/XX/XXXX. As of today XX/XX/XXXX, I still can not transfer my funds from my account. When I asked to speak to a decision maker ( supervisor ), I was informed that it takes XXXX business days for a supervisor to call back.
Product: Credit reporting or other personal consumer reports

* On XX/XX/XXXX, I enrolled in XXXX XXXX XXXX XXXX. XXXX XXXX was included in this program. 

* On XX/XX/XXXX, XXXX XXXX, through their legal representation of XXXX XXXX XXXX XXXX was paid via transfer through XXXX XXXX XXXX 's bank {$1100.00} which was the agreed-upon settlement amount. 

* It is stated on my credit report that {$1700.00} was charged off with a balance of {$600.00}. 

* I have filed disputes on XXXX, XXXX, XXXX. 

* I have submitted documentation showing payment in the amount of {$1100.00} which was the agreed-upon settlement amount with XXXX XXXX XXXX XXXX
Product: Credit reporting

I requested Debt Validation from XXXX XXXX XXXX. 
XXXX never responded. The credit reporting bureauXXXX, continue to show this invalid debt on my report. I would like XXXX to remove all references to this account. This Validation was sent more than two years ago and no response as of yet.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XX/XX/XXXX XX/XX/XXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries, and incorrect personal information which were being posted to my reports. Here is the list of items which were opened without my permission : Experian : XXXX XXXX XXXX XXXXXX/XX/XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXX Date opened : XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Date opened :XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- -XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

In the state of Tennessee theres a charge for fraud by theft i have pressed on someone Ive never met in my life. This person pretended to be a friend dear to me by using pictures videos and sounding like them to steal from me thousands. Chase has denied my claim and said that basically theyre counting it as a scam because its technically authorized. Even with the police report and investigation ongoing. I was referred to handle it through the legal system. If i cant get this resolved i will simply close my accounts with all creditors except XXXX and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: XXXX XXXX
6 LATE PAYMENTS
Credit usage XXXX
Balance XXXX  Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account number
XXXX
Open/closed
Open
Date opened XXXX XXXX XXXX
Account type
Credit card
Status
Open.
Status updated XXXX XXXX
Highest balance XXXX  Monthly payment
XXXX  Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Phone number XXXX XXXX
THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Product: Student loan

Alum Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email : XXXX | Phone : ( XXXX ) XXXX Contacted me about loan forgiveness through the XXXX XXXX XXXX loan forgiveness program. They accurately told me my loan information unprompted and represented themselves as a company representing the United states department of education. They told me that after 8-9 months of payments ( {$150.00} ) under their loan forgiveness program in coordination with the department of education that nearly all or all of my federal loans would be forgiven. 

Because they had my information it seemed as though it was legitimate and they said it is first come first serve so it must be done promptly. They rushed me through the sign up process and began a consolidation on my loan ( XX/XX/XXXX ). After I got off the phone, it began to seem it was too good to be true. I looked at the contract and indeed there was no mention of loan forgiveness after 8-9 months. They are a company not affiliated with the Dept. of Education. The information was very deceiving and designed to rush me through the process. I found others online sharing the same story who ended up saddled with fees associated with the company that ended in no loan forgiveness as far back as XXXX. So it was not a time-sensitive matter that needed to be addressed immediately. 

I promptly contacted my loan provider and Dept. of education. It seems it is basically a scam to rope you into services. 

The next day ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX and cancelled the consolidation that Alum Financial had already submitted. I then contacted Alum Financial who tried to convince me that I still should use their services. I declined and said I want to cancel my contract that rushed me through the process. They threatened that I would still be obligated to make the payments I agreed to and if I did not they would send me to collections. No money has been exchanged, no services were provided. Their practices are predatory and not at all clear and apparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # xxx XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I didnt approve of this company reporting this on my credit. According to FRCA section XXXX it is illegal to report information on my credit report without my permission. Please remove this off my credit report thank you. All in all, they switched managers and started saying I didnt move out on my move out date. They are charging me for XXXX more months of rent when I was moved out. This is hurting my opportunities for shelter. I have a family. Im an innocent man this company is trying to take an advantage of.
Product: Checking or savings account

I received a check from a title settlement company from a buyout agreement i had. I was brought out of the deed of the house. I went to Chase on XX/XX/XXXX to open an account and deposit my check into that new account. The banker i had the appointment went opened an account for me and said that the funds will be released on XX/XX/XXXX. On XX/XX/XXXX i received a text from chase saying i needed to contact them regarding my account and if I didnt, my account would be closed. I called customer service and chase told me they had problems verifying the number on the check. She told me without the number being verified with the business she could not let me access. The funds in my account was restricted. I called the title company that same night and left a message for them to call me back. I called the title company again on XX/XX/XXXX and explained the situation and they said the phone number on the check is the business phone number. She then sent me a contact to a lady that is in charge of writing the checks out. She told me that she can put a stop to the check from being deposited so she can just send me a wire transfer. when she checked the business account, she says that the money has already been cleared out of their account so she could not put a stop payment on the check. She told me she could talk to someone at chase to confirm the account. Chase would not accept that. They said the company had to add there phone number to public records and that chase uses a database that verifies the phone numbers on the checks and that settlement business wasnt in there data base. I have been going back and fourth since then trying to provide phone numbers to chase that will work. I also went into the branch again and tried to get the account unrestricted. The branch manager even called and tried to get the account unrestricted, but it did not work. Chase just keeps saying that they need a phone number to match both businesses on the check. They even spoke to the law office who is written on the check and everything, but they still will not accept it because of the phone number on the check. Chase is keeping my money in the account but not available for me to use until i find a phone number thats in there database.
Product: Student loan

Hello, I am getting Navient setting up payment schedules while in deferment for my master program with University XXXX. XXXX has changed their program for leaving dates between and it will respond for 14 days between classes for an exit interview that is notifying Navient for a scheduled payment. This is happening all the time since University XXXX scheduled classes between other classes while trying to complete a certification program with another school, XXXX. So, I am currently in school and pursuing XXXX certifications between classes and have provided Navient of both records for XXXX and University XXXX. Also, I thought I had six months after my exit with University XXXX before any payment schedule begins. This is what is posted on FAFSA repayment website. This is a form of harassment since I am in deferment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my consumer report and found some addresses that appear to be incorrect. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX, MO XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names : XXXX XXXX XXXX There should be only one name on my consumer report, which is, XXXX XXXX XXXX. 

Please remove inaccurate employers as well : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was moving and was looking for apartments or homes for rentals online. I have never been scammed and am pretty aware of what can go wrong so I made sure I was smart about it when gathering details before I sent any payment. I found an ad on XXXX and inquired about it. 

Someone named XXXX XXXX XXXX texted me from the number XXXX stating it is his property and he is renting it out. The address to this property was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He said he was currently living in Idaho with his family and I told him was skeptical about sending any payment. He then proceeded to send me his license from Idaho with his name and address on it that matched. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

He also typed me up a lease agreement with his signature from his gmail email address, XXXX. He also attached a certificate of ownership for the address he was advertising for. 

He then asked me if I had XXXX. I told him I would feel comfortable sending the deposit in one payment and then first month rent in the next payment a few days after while I did more research. 
I sent the first initial payment on XX/XX/22 in the amount of {$1000.00} to his XXXX account which was XXXX. 

I sent the second payment of {$1000.00} on XX/XX/22. I was supposed to move in on XX/XX/22. I did not hear anything from him after that and I realized I was scammed. 

I contacted my bank- Bank of America , along with XXXX XXXX and the local XXXX XXXX police department about this immediately. I also filled a complaint on the IC3.gov website. 

Bank of America said the denied my dispute because I authorized the transaction. In my opinion, that is extremely frustrating because there is no protection from scam through XXXX. When someone in a third party induces you to send money as part of a scam, that person is initiating a transfer without your authorization. I am very upset about this and now I am out {$2000.00} that I really need. I hope no one else makes the same mistake I did. I had a ton of information ( phone number, email address, XXXX email address ) and I know XXXX is traceable. I am shocked Bank of America just blew it over so quickly. Bank of America encourages customers to use XXXX yet BOA wants zero part in it when theres a scam. Its very upsetting and I hope no one has to go through this nightmare of being defrauded.
Product: Credit card or prepaid card

3 months in a row I was charged {$260.00} in interest on a {$3000.00} credit card, called the first time I was charged and was told the interest fee was a one time fee because the special promotion ended and I would not be charged again, 2 month in a row I was charged, I called them again today, XXXX and asked why I was charged two more times, she said because the special promotion ended again for another purchase and unless I paid it in full, {$3000.00} I would be charged a monthly interest of {$260.00}, which has to be illegal. I would rather file bankruptcy, it makes way more sense then to make a over {$100.00} payment that dies absolutely nothing because my interest charge is double the minimum payment due, I would never agree to this, it has to be a scam or illegal interest rate charged, Ill report this to anyone who will listen, This is a PayPal credit card through synchrony bank, ridiculous, I have 4 other credit cards with synchrony and none of them charge interest like that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX