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

I am writing to dispute an incorrect and invalid collection account that appears on my credit report, relating to an apartment I rented at XXXX XXXX during XXXX. Due to financial difficulties caused by the XXXX pandemic, I fell behind on rent payments. In XXXX, through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received a total of {$29000.00} on my behalf. This payment fully covered all past-due rent for that period. 

Under the terms of this relief program and in accordance with the XXXX XXXX XXXX XXXX XXXX ( signed into law on XX/XX/XXXX ), any landlord accepting state rent relief funds was required to waive all additional fees or charges related to outstanding rental balances. Therefore, once XXXX XXXX accepted the rent relief funds, my rental debt was considered resolved. 

Despite this resolution, I am now being charged for an additional XXXX days of rent, allegedly because I did not provide proper notice of my move-out. In fact, on XX/XX/XXXX, I personally handed my XXXX notice to the property XXXX, XXXX XXXX XXXX at the on-site office. Consequently, I am not responsible for those extra rental charges. This debt is therefore both illegitimate and in direct violation of the relief programs stipulations. 

Furthermore, the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has reported a {$4600.00} debt on my credit file and has been mailing letters to my family members and acquaintanceseven though I have not received any direct notification myself. This conduct is improper, harassing, and based on a debt that is not owed.
Product: Student loan

I have an IDR plan that I have been trying to renew for weeks I have submitted the IDR paperwork twice. I have sent Navient 4 emails - I have never received a response from Navient. Now they are saying my loans are 2 days late. 

In the past they hid the email form on their website making it almost impossible to find. Now it is impossible to find. I've been looking for an hour. 

Navient is a highly unethical company. My loans are now late because they refuse to communicate with me about renewing my IDR.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to invesitage my claims adequately. They informed me recovering lost funds was impossible and that 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Last XXXX I received a phone call to my work phone from an agent of Account Services intending to collect a medical debt from several years before. I was surprised as I had never provided that phone number to this company nor to the doctor 's office, and of course neither permission to call me to my work phone. 
As the XXXX XXXX ( XXXX visit to the doctor for a check-up that generated XXXX different low amount bills ) provided were performed several years before and I always pay my bills on time, I was quite thrilled about this communication. I did not have record of payment or non-payment of the bill as they were years old, but I had no problem on paying the bills if they existed and were accurate. I called Account Services and requested a debt validation of it before paying the debt. When I spoke with the agent ( a woman ) she never advised me that the request had to be in writing, but stated that the debt validation notice would be sent to me and that then I would pay. I had received previously a letter from the company stating that the debt validation request had to be in writing, but as the collector told me that they would send it right away and that I would pay upon receiving it, she made me thought that collection efforts would stop till such validation was provided and that I would just have to pay once the debt was justified. 
Since that communication, I never heard again from Account Services, so I figured that they could n't validate the bill or there was some sort of mistake. Last week I was applying for a new apartment lease, so I went to XXXX XXXX to check that everything was in place in my credit report before the credit pull was done. I was astonished when I found out that Account Services has been reporting several medical bills as delinquent. I feel absolutely deceived. This is outrageous. I 've never stopped paying a bill on time. I even told them that I would pay immediately as soon as they proved the debt. I relied on their agent 's word, and in return my credit report is completely destroyed. 

I hope you can help me with this company
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX  balance {$2800.00} account # XXXX 30 days late in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report and I have disputed the account listed as XXXX with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.
Product: Vehicle loan or lease

I traded in my car on XX/XX/XXXX. The dealer got a 10-day payoff. GM Financial also pulled another auto payment on XX/XX/XXXX, three days after the car was traded. This resulted in a {$1300.00} overpayment. 

GM Financial received the payment from the dealer and the car was paid off a few days after my payment was pulled. On XX/XX/XXXX, I called and requested that a refund be issued or that the overpayment be applied to my new loan. 

How long can they hold my money before issuing the refund or applying the funds? 

I was told they hold it 30 days unless I go to the dealer and have them send a copy of the front and back of the cancelled check and send them my bank statement showing the funds have cleared. My payment was an ACH payment initiated by them 10 days ago. They should have a way to verify it has cleared with having access to my personal banking information. I also am frustrated they have to mail a paper check when I have never paid them in that manner. 

Overall, I feel like this is a stalling technique even though my payments to them have always been on time. Even if they didn't want to refund it right away, why couldn't they simply apply it to my new loan? They would still have the money. Now I'm paying interest on {$1300.00} more than I should have to on that loan because they are holding my money hostage. I feel like this is an unfair trade practice because they are refusing to refund my money or apply that money to the loan for which they are collecting interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your XXXX XXXX  you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the XXXX XXXX that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.
Product: Mortgage

1 ) Phantom fees on payment history from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX totaling {$1500.00} need to be explained and refunded. 
2 ) Forced place insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX was {$2500.00}. It was reversed on XXXX/XXXX/XXXX after 3 months. Three months of payments should have totaled {$640.00}. I was refunded {$1700.00}. The difference between what I was charged and what I was refunded is {$130.00}. 
3 ) Ocwen unfairly and incorrectly assessed the value of my home. I had an appraisal completed in XXXX XXXX and the value was shown as {$85000.00}. When I requested a payoff in XXXX XXXX I was told that a new appraisal needed to be completed. The second appraisal came in at {$230000.00}. I disputed the {$150000.00} in 3 month appreciation and it took until XXXX XXXX for another appraisal to be completed. The third appraisal came in at {$170000.00}. 
4 ) I was incorrectly charged shared appreciation of {$7900.00} as a result of the delay with the appraisal. The shared appreciation should have been {$0.00}. {$170000.00} - $ XXXX {$85000.00}. I submitted {$180000.00} of receipts for capital improvements. Ocwen accepted {$63000.00}. I am requesting that Ocwen honor the XXXX XXXX XXXX XXXX XXXX amount of {$48000.00} that was paid by Ocwen out of my escrow account. This would have resulted in a {$0.00} shared appreciation. 
5 ) There were to loan payoffs which were requested starting XXXX XXXX XXXX. I was not able to get a semi accurate payoff until XXXX XXXX XXXX.
Product: Checking or savings account

Today I went to the drive-through at my local branch and I was told that I couldnt withdraw more than {$5000.00} because it was a branch policy. When I called the one 800 number I was told that I should be able to take out the money because its mine.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

Date : XXXX XXXX XXXX XXXX XXXX CT # XXXX XXXX XXXX Texas, XXXX Chrysler Capital XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct. No. XXXX Amount : {$21000.00} Date : open : XXXX This Debt is not mine the company should have deleted this from my credit if it's not then I'm forced to file a complaint against your company. We will go to court if it's possible. This has hurt me someone use my Identity to get a car.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I applied for a XXXX Rewards PREPAID DEBIT card and, after it was approved, loaded {$25.00} onto it : Account GENERAL CHECKING Original Description CHASE XXXX RELOAD XXXX OH Trans. Type DEBIT CARD PURCHASE Posted Date XX/XX/2020 Amount ( {$25.00} ) Auth. Date XX/XX/2020 I then setup online access to manage the card. When I tried to login and get an update on XXXX XX/XX/2020 re : the status of mailing the debit card, I was denied access. I then called Chase who said they couldn't help me and I needed to enter a branch, which I didn't know of any near me at that time. 

I then received the debit card and a letter from Chase on XXXX XX/XX/2020. When I went to activate the debit card, it was already canceled. The letter indicated the account that was holding my initial {$25.00} deposit was closed for the supposed reason of " fraud. '' This is a lie because there was no fraud. They said I didn't follow their request for entering a bank and proving my identity, but they NEVER asked me to, so they lied. 

The fraud department would not take responsibility and explain the real reason they closed my debit card and I want other consumers to know they CAN NOT TRUST Chase and should avoid them. As of the time of this complaint, Chase is still holding my {$25.00} and will not release it until XXXX XX/XX/2020 at the earliest, which is unacceptable since they are the ones lying to me. 

Again, they NEVER asked me to visit a branch or provide any additional documentation, they are lying. I want Chase to release the real reason they've done this to me and I want my {$25.00} returned immediately.
Product: Debt collection

I called Joseph Mann and Creed XX/XX/XXXX when I saw a derogatory mark on my credit score with an associated collection amount of {$280.00} past due for XXXX XXXX XXXX in a different state with a different email and phone number. The account was opened and charges were made under my name and social security number. This is a fraudulent account and identity theft. I called immediately to make them aware of the situation today ( XX/XX/XXXX ). They said the account was first opened on XX/XX/XXXX. This is the first I am hearing of it because it showed up on my credit score report on my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is displaying a Foreclosure remark and balloon payment amount on my Experian Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX and Experian ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my Experian report. Every time I dispute the inaccuracy on Experian, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my Experian report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my Experian Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my reportXXXX XXXX XXXX XXXX and Experian did nothing. The inaccuracies remain.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifaxs and Experians failure to ensure the accuracy of my credit report and conduct a complete investigation into a disputed account reported by XXXX XXXX XXXX. Equifax and XXXX have not adhered to their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The inaccuracies on my credit report are as follows : 1.Upon reviewing my credit report, I noticed a discrepancy inaccurate information. dates and details differ from those reported by the credit bureaus. The date of when the account allegedly was open differ on each credit bureaus. 
2. XXXX XXXX XXXX has not provided any evidence that I own this debt. Specifically, they have failed to produce a signed contract or any documentation proving that I am liable for the alleged debt with their company and myself. Equifax and XXXX has failed to provide proper investigation and proof the investigation. 
3.This debt from XXXX XXXX XXXX XXXX not belong to me
Product: Mortgage

Bank of America completed my loan modification on XXXX XXXX, 2013 after taking 31/2years. Bank of America faiked ro bring my loan current hnder the terms if the modifications and also failed to brring my escrow account current undsr the terms if the modification. Bank of america has refuses to correct their fraud after many many certified requests. Bank if America has also failed ro report my loan accurately to all XXXX credit bureaus.
Product: Debt collection

I sent Bounce AI a XXXX debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.
Product: Credit card or prepaid card

I opened a new account with Regions. 
I have all my cards on auto draft. It was hard to get in contact with anyone at Regions. It was even hard to set up payments over the phone unlike any of my other cards. I tried on several occasions to set up auto payment unsuccessfully with this company. Then I received a notice of a 30 day late on my credit. I was affected like most during Covid and explained the customer service and hard to set up automatic payments. I sat on the phone after talking to several representatives and one walking me through the process to set up auto payments and understood my frustration. She said she would put in a dispute to have removed. I received response 30 days later they did nothing. I have had XXXX of my new credit cards close my account because this late brought my score down because Im new to credit. XXXX card decrease my balance. I need this removed from my credit. I HAVE never been late on anything they can pull my credit. I couldnt set up auto payments because of their system and hard to get in contact with anyone. I need the 30 day removed from my credit, the representative agreed also but I received notice they were keeping the 30 day. System issues on their end, and hard to speak with representatives shouldnt be my fault. The representative that took the time to help me was over XXXX hour.
Product: Debt collection

Filed a dispute with the credit bureau XXXX and XXXX  removed them XXXX  left one XXXX  refused I filed the theft report and sent to both companies and XXXX  with no results I keep all my payments up to date I did have to file bankruptcy in XXXX due to my wifes XXXX bills but since have been trying to build my credit plus I have 39 hard inquiries that I didnt request XXXX  XXXX  XXXX.and portfolio recovery XXXX which was purchased from another company they said payments had be made on it I requested them to send me copies of payments because Ive been with the same bank for 30 years and no proof was every sent also XXXX XXXX for XXXX I have a access one credit card to cover any out of pocket cost I filed the fraud report and sent the required documents to each lender and to XXXX
Product: Credit reporting or other personal consumer reports

As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.
Product: Debt collection

This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Prepaid card

So I had suppose to receive my package on. XX/XX/year>, first I contacted usps today and said that it was returned back to sender which is XXXX facility, then I contacted ups because the tracking information was transferred to them, they were useless, and wouldnt even let me file a claim online, I have contacted XXXX numerous times and they are giving me the same answers, if youre using XXXX, do not use cash app if youre filing a dispute with them, because u will not get your money back, on top of that I have filed disputes at least 20 times, both cash app and XXXX refused, XXXX saying it was awaiting for pick up and then go and say that it was beyond their control, which is a XXXX, because usps and XXXX said otherwise, XXXX is playing these games and it seems on XX/XX/year> I wasnt the only one experiencing these issues, it was a line of people having that same issue on that same date and close to that date, XXXX and cash app is in denial and then they wonder why they have lawsuits, every since that ceo was stabbed these companies have been acting funny, these people owe me XXXX, I did not receive my package, once again, so basically this is fraudulent, I have sent them numerous emails, and chats, no answer, they dont even have a. Legitimate phone number, Mind you, this came from all way from XXXX XXXX or wherever it is.