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

I sent a wire transfer for a purchase from an online sale in the amount of {$1200.00} on XX/XX/year>. The seller ended up being a scammer. I contacted my bank to reverse the wire. My bank has been very responsive, sending more than a half dozen inquiries to the sellers bank, PNC, who has not returned a single call.
Product: Payday loan, title loan, or personal loan

This issue involves more than one entity. I purchased an item with XXXX XXXXXXXX XXXX XXXX XXXXXXXX via pay installments with Affirm using my credit card with XXXX XXXX XXXX XXXX XXXX quoted a 3 business day delivery and express shipping. XXXX never responded to my inquiry for express shipping so I cancelled the order the next day. A week later XXXX sent me an email saying my item was shipped from XXXX, NJ. I sent another communication telling them that the item was not authorized to be shipped due to them not following their express advertisement. They responded saying since it was already shipped I needed to wait for receipt and return the item to get a refund. Every week since then I have received an email saying that my item was just shipped from various locations with various tracking numbers which were not valid on any system. I advised Affirm of this fraudulent activity and told them all of the above. I also sent them images of the aforementioned. Affirm denied my claim once and when it was escalated with additional verification images they ignored my claim. Additionally, I encountered 2 representative at Affirm including XXXX XXXX who were extremely intent on not investigating nor resolving this issue. I tried filing a claim with XXXX however their turnaround time is unreasonable. I have encountered several fees in accumulated debt due to the unnecessary willful mishandling of this fraud merchant.
Product: Credit reporting or other personal consumer reports

On XXXX  I was notified that a loan was opened up in my name fraudulently with XXXX XXXXXXXX XXXX - phone number is XXXX. 
They verified that the account was in fact fraud ( see email attached ) and said they would have it removed from my credit within 10 business days. 2 of the 3 credit bureaus have since removed it from my credit. But transunion has some how verified the account as valid? Insane. I have contacted transunion and they advised me to do a complaint. I want to do a complaint on transunion and XXXX. XXXX has confirmed they have sent the information to remove from my credit. Transunion even though I filed multiple fraud reports continues to view this account as accurate and even hit me with a missed payment now.
Product: Student loan

I contacted Navient to work on payments. I get my account information XXXX, 2019. Only received a letter saying their counseling and my payment plan. They never notified mean the payments were not going through. XX/XX/2019 We gave them my account information. But continuously they're saying they can't take out the payments. Insufficient funds, yet when I research there's been significant amount of money in my account each time. When I asked for documentation for my bank. They couldn't provide any.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, XXXX reporting agencies are still reporting inaccuracies, derogatory information about my accounts and refuses to reinvestigate each account and send me detailed information as to how they keep stating accounts are accurate. Delete or correct misinformation. And stop putting these accounts back on my report as validated and accurate.
Product: Mortgage

In XX/XX/XXXX I submitted a complaint explaining that when my loan was transferred in XX/XX/XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan. Ditech responded that Green Tree Servicing LLC only changed its name to Ditech Financial LLC. They also stated that their records show that my total monthly payment amount has never been {$990.00}. I submitted a complaint with Illinois Attorney General XXXX XXXX because I needed to know why Ditech continued to take my monthly {$990.00} payment without EVER contacting me about delinquency, nor did I receive a mortgage statement reflecting a higher payment. I also asked if they would modify my loan, but they denied me despite my stable income. Ditech issued a sale date on my home in XX/XX/XXXX and has not responded to XXXX XXXX yet.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally lodge a complaint regarding the repeated failure of XXXX, Experian, and XXXX to properly investigate and validate disputed information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681. Despite my numerous disputes and lawful requests for validation and verification, the credit reporting agencies have failed to provide evidence substantiating their claims and continue to report inaccurate and unverified information.

To summarize : 1.Failure to Provide Proper Validation : I requested the following documents to validate the alleged debts : Validation of the debt ( including actual accounting ) ; Verification of the claim against me ( such as a sworn affidavit or a hand-signed invoice compliant with the Bills of Exchange Act, XXXX ) ; A true and certified copy of the original contract or agreement binding both parties ; A certified copy of the original note ( credit agreement ) under penalty of perjury, confirming it has not been sold ; Confirmation of the identity of the authorized representative who performed due diligence under the Money Laundering Regulations XXXX. 
These lawful requests were ignored or inadequately addressed. Instead, I received generic responses claiming the information was verified, without any substantive evidence to support these claims. 
2.Violation of 15 U.S.C. 1681i : Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when disputes are raised. Merely stating that the information was verified without providing evidence or details of the investigation constitutes a failure to meet this legal standard.

3.Reappearance of Removed Items : Items previously removed from my credit report have inexplicably reappeared, raising serious concerns about the integrity of the investigation process and adherence to proper procedures.

4.Failure to Respond in Good Faith : My repeated attempts to dispute these inaccuracies were met with dismissive responses warning me not to send further disputes. This is both inappropriate and contrary to consumer protection laws under the FCRA. 

Given the severity of these issues, I am requesting immediate action to : 1.Conduct a thorough, independent investigation into the practices of XXXX, Experian, and XXXX in handling my disputes ; 2.Ensure compliance with 15 U.S.C. 1681i by requiring the credit reporting agencies to provide documented proof of their investigations and validations ; 3.Remove any and all unverifiable and inaccurate items from my credit reports ; 4.Impose penalties or corrective actions against the credit reporting agencies for non-compliance with FCRA standards.
Product: Checking or savings account

I opened a citizen student checking in XXXX and there was a promotion " Summary : This offer has returned, and is now valid until XX/XX/2023. 
Get {$300.00} when you open a new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Then, earn up to {$100.00} more when you use your newly issued debit card to make purchases. Earn {$2.00} for every qualified transaction within 60 days of opening your account, up to {$100.00} maximum. 
XXXX XXXX XXXX XXXX XXXX XXXX   I made a deposit and met the all requirements. The customer service said the promotion would come at XX/XX/XXXX. However, my account was closed at XX/XX/XXXX. They said I am not qualified for this promotion any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, equifax, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Product: Debt collection

My sister received a phone call today saying I was going to be served with papers. I have not received anything in the mail, or any phone calls. She asked if she could sign, and was told no ... but that someone would be to the house in XXXX hours. I tired to call, and it went straight to voice mail.
Product: Debt collection

I received a letter from Champion. mortgage, dated XX/XX/XXXX titled mortgage due and payable notice, in total it stated the mortgage was in default due to non-occupancy of property as principle residence, with balance due in 30days from the dated letter. I have lived in my home for almost 45 years. I have had a reverse mortgage since XX/XX/XXXX. This year I have completed and submitted the annual occupancy certification three times. I have never left my home, I am XXXX and do not travel. I received letter dated XX/XX/XXXX from champion mortgage company stating they had denied my request to return the property by completeting a deed in lieu of foreclosure,, which I never requested, or submitted, I have been in almost daily contact with champion mortgage and I do believe they are trying by fraud to take my home. I have a lot more information, please contact me.. thank you
Product: Vehicle loan or lease

Ally has denied me access to business auto statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They are not available on my online account. My online account indicates I am supposed to have access to up to 12 months but as you can see in the online account screen shot attached, they only allow access to XXXX - XX/XX/XXXX. I called their customer service number XXXX and spoke with XXXX after XXXX was not able to assist. XXXX was surprised I did not have access but was not able to send me the statements. He said he could give the interest to me verbally but that is unacceptable for tax and legal purposes. I want the physical statements for my business. My account was in a partial forbearance even though interest was accruing. They have denied me access to physical documents by phone and online of finance charges they charged me. XXXX told me I could figure up the interest myself then proceeds to tell me the daily interest! Totally unacceptable. I spent 30 minutes on the phone trying to resolve this. I had previously submitted an online request, also attached, because I could not reach them on the phone. I never received a reply to the request. I have no idea what they have charged me. This is totally unacceptable and is a violation of my legal right as a consumer. They also did not send me a XXXX XXXX interest statement that was supposed to be mailed to me on or before XX/XX/XXXX for XXXX. I also do not have access to the XXXX in my online account.
Product: Debt collection

I am a desperate consumer and I need to get a fair solution to this issue. I am submitting this complaint because I am being extremely affected by JPMORGAN CHASE BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

In XXXX of this year, I attempted to combine 2 of my JPMORGAN CHASE BANK business card limits into one account. 

I called JPMORGAN CHASE BANK and with the help of the phone representative I was able to close my Chase business account ending XXXX and transfer the available credit limit to another other card ending XXXX, thereby increasing the limit on the open business card ( combining credit limits ). 

Once the account ending XXXX was closed it was removed from my JPMORGAN CHASE BANK online profile and I was told the account was paid off and closed. 

Weeks later, Chase calculated there was an extra interest payment due, which I was unaware of at the time. Because card was closed, I couldnt see the account online and see if there were any new charges. 

Moreover, it was on auto pay before and that too was cancelled. It was around a {$20.00} interest charge. 
They reported me late for XX/XX/XXXX and XX/XX/XXXX! 

JPMORGAN CHASE BANK claims they were mailing notices, to an older address of mine, I have not lived at in years. Moreover, I was travelling at the time and every time I logged in Chase did not show me anything about a past due account. This is completely unfair and is a negligence on Chase side. 

Information Account : Balance : {$0.00} Credit limit : {$500.00} Opened : XXXX. XXXX, XXXX I WANT TO GET THE ACCOUNT REMOVED FROM ALL 3 BUREAUS OR THE LATES TO BE CORRECTED ASAP.
Product: Checking or savings account

Charles Schwab is refusing to credit my account with the amount that was wrongfully taken from me. On XXXX I was charged XXXX twice for a faulty timed out pos system. No immediate action was taken to resolve my complaint. The business that charged me twice regularly scams Americans using a faulty pos system.
Product: Debt collection

Did not give written permission for collection agency to report debt on my consumer credit report therefore it is identity theft.
Product: Debt collection

I am penning this missive to formally lodge a complaint against Rent Debt Automated Collections, herein referred to as " Rent Debt, '' due to their unlawful debt collection practices and unauthorized procurement and utilization of my personal data. Rent Debt has contravened several federal and state statutes in both Texas and Tennessee. Consequently, I respectfully beseech the Consumer Financial Protection Bureau to commence an investigation into this matter.

Rent Debt has transgressed the following federal statutes : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Sections 1692e, 1692f, and 1692d Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Sections 1681b and 1681s-2 Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809 Rent Debt has contravened the following Texas statutes : Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306 Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05 Texas Rules of Civil Procedure Rule 76a Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ) Rent Debt has potentially breached the following Tennessee statutes : Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107 Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107 The infringements encompass Rent Debt 's endeavors to collect a debt that has, in fact, been satisfied, the procurement of my personal data without a legitimate purpose or my explicit written consent, the implementation of belligerent, vexatious, or abusive stratagems during debt collection efforts, and the failure to adhere to the registration and bonding stipulations mandated by Texas law for third-party debt collectors.

I entreat the Consumer Financial Protection Bureau to scrutinize Rent Debt 's collection practices and the potential violations of federal and state statutes. Furthermore, I advocate for collaboration with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other germane state and federal authorities to ascertain that Rent Debt is held accountable for their actions, desists from unlawful collection endeavors, and complies with all pertinent laws.

I express my gratitude for your consideration and attention to this matter.

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that EQUIFAX XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The following information is deceptive, inaccurate, and false : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Accounts that are fraudulent include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Established on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Opening date : XX/XX/XXXX XXXX XXXX account number : XXXX XXXXXXXX XXXX  account number XXXX was opened on XX/XX/XXXX. XXXX XXXX account number XXXX was opened on XX/XX/XXXX. Commenced operations on XX/XX/XXXX. 


These accounts have led to the appearance of numerous fraudulent collections, inquiries, and accounts on my consumer FICO credit report. I have included a list of the ACCOUNTS/ADDRESSES/INQUIRIES in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the accounts, inquiries, and collections that were previously mentioned. I did not open, make, or initiate the accounts, collections, or inquiries that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and inquiries. I have included a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Debt collection

Dear XXXX, I am writing to formally request the removal of an outdated XXXX collection account from my credit report. The collection account in question, related to a XXXX [ Account Number ], is over XXXX years old, and I believe it should no longer be reflected on my credit report due to federal and state consumer protection laws. 

As a consumer, I am entitled to certain protections under both federal and California state laws. I would like to outline the legal basis for my request : Federal Law : XXXX. Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681c ( a ) ( 4 ), credit reporting agencies are prohibited from including accounts placed for collection that are more than XXXX years from the date of the first delinquency. As this XXXX collection account is more than XXXX years old, it is approaching the seven-year limit, and I am requesting its removal in anticipation of this deadline. 
XXXX. Accuracy of Consumer Reports : According to 15 U.S. Code 1681e ( b ), credit bureaus must ensure the accuracy and completeness of the information they report. I believe this account, which is now outdated and potentially inaccurate, should no longer be reported as it negatively impacts my credit. 

California Consumer Laws : XXXX. California Civil Code 1785.13 ( a ) : This section of the California Consumer Credit Reporting Agencies Act ( CCRAA ) also limits the reporting of collection accounts to XXXX years from the date of the first delinquency. While this account is over XXXX years old, I am requesting its removal in advance of this limit. 
XXXX. California Statute of Limitations on Debt : Under California Code of Civil Procedure XXXX, the statute of limitations for collecting on most written contracts, including telecommunications debts, is XXXX years. Since this XXXX debt is now over XXXX years old, it is beyond the legal period for debt collection in California, making this information outdated and potentially inaccurate. 
XXXX. California Consumer Privacy Act ( CCPA ) : The CCPA gives California residents the right to request the deletion of personal information that is no longer necessary for business purposes. Given that this debt is over XXXX years old and past the statute of limitations for collection, I am exercising my right to request its deletion from my credit report. 

Thanks again for your attention to this matter In light of these protections, I am requesting the immediate removal of this XXXX collection account from my credit report. Please investigate this matter thoroughly and remove the account. Once corrected, I ask that you send me written confirmation that the account has been removed and ensure that the update is reflected across all credit bureaus. 

If this matter is not resolved within the XXXX period provided by the FCRA for disputes, I will consider filing a complaint with the Consumer Financial Protection Bureau XXXX CFPB ), the California Department of Consumer Affairs , or pursue legal action based on both federal and state consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX
Product: Credit card or prepaid card

Due to COVID-19 an airline flight for which I had paid a ticket was cancelled due to the airport shutting down. I was told I needed to purchase a second ticket for an earlier flight ( the last one out of the country before the airport shut down operations ). I was assured by the travel agent, XXXX, that the cost of the first ticket would be applied toward the second. Despite the fact that I was told that there would be no penalty due to the pandemic, I was still charged a cancellation fee and the entire cost of the both tickets. When my Amazon Chase VISA credit card bill arrived, and I discovered that I was charged for the cancelled flight, the penalty fee AND the second airline ticket, I contested the fraudulent charges for the cancelled flight &  penalty fee, but Chase Visa upheld the fraudulent charges from XXXX. I contested Chase Visas response and appealed their decision. Nevertheless Chase Visa sided with the vendor who defrauded me. I spent days documenting my case and writing my appeals. I have never missed a single credit card payment and charge over {$25000.00} a year on this card, yet Amazon Chase Visa refused to protect me from fraudulent charges as their advertising claims.