23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent, by  USPS certified mail, a di spute and request for validation of negative information reporting against my SSN to   XXXX   on  XXXX / XXXX /   17  and Equifax on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting  Act, 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and   XXXX   and Equifax responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim.   XXXX   and Equifax are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.
Product: Debt collection

I had a verbal agreement with Portfolio Recovery Associates in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my first payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my first payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my first payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.
Product: Credit card

The credit card is offered to pay for medical or dental expenses and no interest is charged if the balance is paid off within one year. My complaint is that I enrolled in paper less statements and there was insufficient notice that the deferred interest would be charged if account was not paid by XXXX, 2014. However I could not access the account to obtain information as to the start date of the charge so I could be prepared to pay the balance. This has resulted in interest charges of {$750.00} +/- and the original advance was {$2000.00} +/- ( I can not access the history of this account so I can provide dates, etc. ) The deferred interest far outweighs the benefit of the advance. Previous advance was paid in full because I knew the date of the payoff.
Product: Checking or savings account

I was recently scammed out of XXXX on purchasing XXXX pay cards through my XXXX apple I have then closed all my accounts and contacted my nearby police station
Product: Credit reporting, credit repair services, or other personal consumer reports

With one bureau it shows opened and another shows closed. In fact, it has different information in multiple locations. See attachment
Product: Credit card or prepaid card

Received an XXXX alert and XXXX ID theft alert regarding a credit inquiry using my information. The attempt was made on XX/XX/2022 through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). It was suggested to file a complaint to FTC, which passed me to this website. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts were created without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my Rights
Product: Checking or savings account

I am writing to formally file a complaint regarding the unauthorized debit transaction that occurred on my savings account with Bank of America. I initially wrote a letter on XX/XX/XXXX, about this issue, but I have yet to receive any acknowledgment or resolution. I am extremely concerned about this matter and request immediate action. 
The details of the disputed transaction are as follows : Date of Transaction : XX/XX/XXXX Amount : {$560.00} Account Type : Savings I first noticed the unauthorized debit in XX/XX/XXXX when I reviewed my savings account statement. I immediately contacted Bank of America for clarification, and on XX/XX/XXXX, I spoke with a representative, XXXX, who indicated that this transaction was related to an auto loan with Bank of America. I was informed that the funds were taken by a collection agency and that Bank of America could retrieve funds from my savings account if there were insufficient funds in my checking account. 
After receiving an explanation from XXXX, I attempted to resolve this by contacting Bank of America multiple times. However, despite several calls and conversations with representatives such as XXXX XXXX ( on XX/XX/XXXX ), who mentioned that fees were charged due to a balance under {$300.00}, and XXXX ( on XX/XX/XXXX ) from the auto loan department, I still have not received adequate answers or confirmation regarding the authorization of this transaction. 
Furthermore, during a conversation with representative XXXX on XX/XX/XXXX, I was informed that there was no court order or legal directive for the debit from my savings account. This contradicts earlier statements made by representatives, leaving me confused and concerned about the legitimacy of this transaction. 
I request the following from Bank of America : 1. A thorough investigation into the unauthorized debit of {$560.00} on XX/XX/XXXX. 
2. A detailed explanation of how this transaction was processed, including whether it was authorized by me or if any legal documentation, such as a court order, was involved.

3. Written confirmation of the findings and a copy of any relevant documents related to this transaction, including correspondence with the collection agency.

4. Immediate credit of the {$560.00} if no authorization or legal order can be produced.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows that Conns home plus is paid off in full On my credit report which it is and Conns will not close the account. I have continuous issues with Conns snd I refuse to pay them anymore this account is paid in full! Attached are photos of my credit report that was previously sent to Conns also showing paid off. They need to close this account
Product: Mortgage

JP Morgan acquired our mortgage after the hostile take over of Washington Mutual about 10 years ago : something is foul and we believe we are victims of very sloppy work at best and or intentional fraudulent activities by the bank. 
These are harsh words for an institution that should have the public trust but Chase has earned a legendary reputation of deceit whether among misdeeds including the XXXX rate-rigging scheme in XXXX, and the XXXX repaid for their active role in the real-estate meltdown. Again, this is the same company that " housed '' the financial activities in the XXXX scandal and we were warned by one of their representatives about the dangers we faced with our mortgage modification. We all relived it and have persuasive evidence of fraud and lack of good faith. Two years+ of sending requested information to their mortgage department, and they would 'manage ' to never ever receiving the requested info in its entirety. 
To cut to the chase, what should have been a normal mortgage modification turned into a nightmare with Chase 's purported verbal mortgage -- yes, verbal mortgage -- that resulted in an additional cost to us ( added to mortgage load ) of approximately {$300000.00} - due to no fault of our own -- for which after a year of discussions ( mostly delays ), Chase offered a paltry settlement payment to us of {$15000.00}. 
JP Morgan Chase was the judge and jury as it relates to the VERBAL mortgage that was given to us. First payment was okay..second payment declined and the next two years talking to over 24 of their representatives - none of which could ever find any paperwork in the files as it relates to our mortgage. Now their newly assigned " Vice President and Assistant General Counsel '' can somehow manage to manufacture some sort of statement and come up with the paltry sum of {$15000.00} as settlement. An insult at best. Of course both he and XXXX XXXX refuses to answer the question of " Was it a general practice in your mortgage department where a commission was paid to staff members on every foreclosure? '' Since their answer is silence, and having worked in the business XXXX for all of my career, I was reluctant to make this disagreement with JP Morgan Chase public. No longer. I have no doubt there are others who have lost their homes or are saddled with huge incremental additions to their mortgage. Perhaps they do not know, as Chase is keeping two books. One for the everyday mortgage and the other for the 'hidden incremental whopper '. Now that I am working with a XXXX on this, I am sure others will want to join in. Always a reminder that the XXXX was started with the removal of a lowly scale from a worker.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information. 

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Late in the evening of XX/XX/2020 and into the early morning of XX/XX/2020, my computer was the subject of a brute force attack to gain access to my computer. Shortly before XXXX, they were successful in gaining access to my computer. They then proceeded to access my PayPal account and make two transactions in the amount of {$190.00} ( {$390.00} total ). I filed a fraud claim with PayPal which was quickly denied due to the transaction looking like a normal transaction. My typical transactions are almost always under {$100.00} and any that are over are made to major companies not individuals. On top of that the transaction was made using an address that was removed from my account a while ago. 

The transactions included an email for the " seller '' so I went ahead and emailed the address and got a response confirming that they had not initiated the transaction and had also reported it as fraud. Since then I have still been trying to get into contact with PayPal to try and get this resolved but have been unable to get a response from them in 3 days. 

I have saved the event log that details the attempts to brute force my computer ( It is apparently too large of a file to upload however ) and have the email thread of my conversation with the " seller ''.
Product: Mortgage

Rushmore Loan Management Services manages my mortgage currently. The have truly terrible options for paying your mortgage- your only option is to pay once a month. They have no option for a bi-weekly payment plan. I tried using a third party servicer to pay my mortgage bi-weekly and Rushmore won't accept ACH payments, so that servicer has to pay by check. That is completely ridiculous and with the changes coming to the USPS, could cause me to have a late payment if it starts to take a ridiculous amount of time for them to get the check. It is totally unacceptable in 2021 that a loan management company wouldn't take ACH payments, or provide a bi-weekly payment plan.
Product: Debt collection

debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.
Product: Checking or savings account

On XX/XX/23, there was a fraudulent mobile check deposit of {$1500.00} into the checking account. On XX/XX/23, there were 2 fraudulent XXXX withdrawals of {$200.00} and {$300.00}. On XX/XX/23, the fraudulent check was discovered and {$1500.00} was removed from the checking account. The XXXX transactions of {$500.00} total were left as valid which is not true.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 4 flight tickets from XXXX to XXXX  using my Chase Sapphire credit card - where Chase Reward is considered to be the travel agent, order number XXXX. The Total amount was {$3800.00}, which {$800.00} came from the amount as credit earned points and the rest - {$3000.00} as the balance charge. 
The flight was scheduled to leave XXXX on XX/XX/XXXX and return to XXXX  on XX/XX/XXXX. 
Due to the COVID19 situation I realized that we may not be able to get on the flight due to the fact that the country of XXXX closed the sky for tourists and those that were allowed to get on the flight ( XXXX Citizens ) will be requested to stay in self quarantine of 14 days. 
We made many phone calls to the airline company while we were waiting on average 2 hours in order to get a representative on the line - the conclusion was that the airline company can not communicate with us directly since we purchased via a travel agent ( Chase Reward ). I was trying to contact Chase rewards for a few weeks, spending over 3 hours on the line to get a representative until the line was getting disconnected over and over. I had a chat with Chase Cards to dispute the transaction however I decided to wait to see how the COVID19 situation will develop. Our scheduled flight was eventually cancelled and rescheduled to an unknown date where Chase Rewards still did not provide any support and or explanation. On XX/XX/XXXX I held a call with Chase CC dispute and after a long call the representative agreed to start a dispute process. On XXXX, XXXX, XXXX I received a letter asking for more explanation. We provided a highly detailed letter of explanation, mailed it, faxed it, and handed it into Chase branch to deliver to the dispute department. A week after I saw that I had a missed call from a restricted number followed by a voicemail which was not clear and no phone number for a return call was provided. On XX/XX/XXXX I received another letter asking for more details about the transaction. At this point I feel that the credit card company does not protect my legal right to dispute the transaction and receive the funds back along with the interest rate. Obviously I did not cancel the transaction and the service provider couldn't deliver the service which we agreed upon on a specific date. Chase credit cards are part of this world pandemic and they are aware to the face that many flights were cancelled due to this. For some reason it seems like they try to drag their legs and to find any possible way to decline my legit dispute. As a client of Chase Sapphire I have the expectation that the company will protect my interest as their client.
Product: Student loan

XX/XX/XXXX I, XXXX XXXX, requested consolidation of my loans serviced with Nelnet with a single loan via XXXX XXXX University and serviced through XXXX XXXX. My call requested that the loans are serviced as they were except with the XXXX loan added to a group that can also be processed from a single payment. Instead, Nelnet only consolidated the loans that they were already servicing and raised the average interest rate by 0.8 % This will force me to pay more than my plan would require because as of XX/XX/XXXX I have been paying about double my minimum payment and directing the excess payment to the principle payment of the loan with the highest interest rate, which was 6.6 % This interest rate is higher than the new consolidated interest rate but it would have been paid off in less than six months and the next highest interest rate was below 4 %. 

XX/XX/XXXX XXXX, XXXX XXXX, called Nelnet again to reverse my unwanted consolidation. I was told this was not possible so I then reaffirmed my instructions to pay approximately double the minimum payment required and apply everything after interest to the principle of the only consolidated group. This was not followed and all payments above the minimum were applied to future payments instead of the principle. I only want my principle lowered because I want to pay less interest each month. 

XX/XX/XXXX I, XXXX XXXX, called Nelnet to find out why there was no automatic payment. My loans were in deferment because I was enrolled in above half time at XXXX XXXX University. I made an electronic payment to keep my payments consistent with specific instructions to apply all of the payment towards interest of any unsubsidized loan and then apply the rest towards the principle amount because the interest of my subsidized loans was being paid because of my school enrollment status. {$430.00} of the {$600.00} payment was applied to interest instead of loans even though I had been making payments each month because " a mistake was made when handling interest of the two loans under the consolidated group '' XX/XX/XXXX I, XXXX XXXX, called Nelnet to to figure out why {$430.00} and why my next payment has {$200.00} of interest when the previous payments had $ 10- {$20.00}. After being on and off hold for 2 hours I finally got the answer.