23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally had a home mortgage loan with XXXX XXXX XXXX but they transferred the account over to US Bank back on XXXX XXXX, 2016. I have always paid my mortgage 1 month in advance therefore I sent my payment to XXXX XXXX XXXX before I received correspondence that the loan had been transferred. XXXX XXXX XXXX had sent my payment history over to US Bank at the end of XXXX clearly documenting that my payment was received by them and applied to the account in XXXX for the XXXX payment. US Bank has requested and received every document, bank statement and cancelled check regarding this account. US Bank has been very difficult and lack luster in providing good customer service to get this matter resolved. I can never speak to a manager, dates to resolve this case have been given to me since XXXX XXXX, 2016 my first point of contact date with this banking institution. Nothing is getting resolved no matter how many times I call, just more false promises and being tossed around by reps. I get regular phone calls several times a week that are harassing and letters that reflect incorrect information about this account. I do not owe any additional payments because I have never been late. US Bank has not been able to submit the proper recording of information into my file which would make it current. This is the worse experience I have ever had with a bank let alone as a first time homeowner. They have been nothing but difficult, unprofessional, poor communicators and horrible with their customer service skills and problem solving abilities. They have also used me to participate in their backroom banking operations process between banks that I know nothing about or should be involved in at any time. This matter should be resolved between banks not the consumer. US Bank needs to record the XXXX payment that XXXX XXXX XXXX issued them and make the account current.I ca n't understand the confusion if all the documentation is present for US Bank to record.
Product: Money transfer, virtual currency, or money service

I was a victim of a phone scam that instructed me to transfer funds to a Chime user in order to secure my account. The perpetrator claimed they were a representative of my bank ( Chime ) and told me that there was fraudulent activity on my account and that I would need to transfer my funds to a colleague so that they could be transferred over. I am unfamiliar with the XXXX service offered by Chime, so I followed the instructions given. It felt concerning so I called the Chime help phone number to confirm that it was in fact a chime representative that contacted me, to which I was told that it was. However, after the 24 hour period which I was told my funds would be transferred back to me, I did not see the funds in my account, so I reached back out to the Chime help line where I was connected with a different agent who told me that the initial caller was not in-fact a representative from my bank and he was not sure why the representative I spoke with a day prior would confirm that it was. He also informed me that Chime would not reimburse me for the scam. I decided to call again and dispute the charge after I had filed a police report and spoke with another representative named XXXX who informed me that this is a known scam and helped me file the dispute. However, as of XX/XX/year> the dispute was declined and Chime stated that there was no error and they would not rectify the loss from the scam. i provided screenshots of the calls, text messages, and unauthorized login attempts to my account for the dispute, as well as provided the police report number for the report that I filed with my local police department. Chime also stated on the phone that they have evidence that the first representative I spoke with the day of the scam did in fact tell me that the call I received was not a scam and that there was no reason to worry even though that was not true. I have attempted to reopen the dispute, and was told by a different representative that it was reopened, but I have yet to receive an email or see any evidence that the dispute was reopened. Additionally, even though I did send the funds, I was mislead into believing it was to protect my account and the feature I used in app to do so I had never used before, which in my opinion should be an indicator that I did not intentionally send my funds to the scammer but rather was manipulated into doing so. Likewise, Chime stated that this is a known scam, yet they are unwilling to help and have not sent out any warnings to members about this, or how member information could have been given to scammers.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXX Credit Card account , which was opened on XX/XX/2022, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ).

According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case.

As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. 

Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

Zelle has repeatedly failed to properly investigate the issues Ive encountered. Time and time again, Ive been disappointed by their lack of thoroughness in addressing problems such as delayed or undelivered payments and unauthorized withdrawals from my account. Despite these ongoing issues, Zelle continues to take money without providing the reliable service promised. This has been incredibly frustrating and undermines trust in their platform. I expect a more diligent investigation and resolution moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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: Mortgage

Subject : Improper Denial of FHA XXXX Forbearance and Negative Credit XXXX XXXX have an FHA-backed mortgage and experienced financial hardship following my layoff in fall XXXX. The layoff was indirectly due to the continuing economic impact of XXXX on my industry. By XX/XX/XXXX, I knew I wouldnt be able to continue making payments, as my unemployment ended in XXXX. I contacted my mortgage servicer by phone, on XX/XX/XXXX, to request payment assistance or forbearance under FHAs extended XXXX policies. I initiated the online application assistance process on XX/XX/XXXX. And I paid my XXXX mortgage on XX/XX/XXXX. 

My first missed payment was XX/XX/XXXX. I knew I wouldnt be able to pay this month and I checked to see how the process was going, nothing was progressing so I called again on XX/XX/XXXX. I was told there was nothing more to do until we were late. 

In XXXX, my application process was still labeled incomplete, and now I was officially 30 days late. So I contacted via e-mail to see what maybe I missed. I was told in writing that I would not be eligible for payment assistance until I was at least 91 days delinquent. This directly contradicts HUD XXXX XXXX XXXX, which extended XXXX Recovery Optionsincluding forbearance and the Standalone Partial Claimthrough XX/XX/XXXX, and made no such delinquency requirement. 

As a result of being denied help when I was current, I was forced into delinquency and ultimately entered the XXXX Standalone Partial Claim. The missed payments were reported to the credit bureaus, harming our credit and affecting our XXXX XXXX financial aid eligibility. 
I am requesting a formal review of the mortgage servicers conduct and a correction of the credit reporting based on their failure to offer the required assistance at the time it was requested.
Product: Debt collection

I am sending another message to bring to your attention an issue of XXXX XXXX XXXX reporting fraudulent information on my credit I reached out to you about the company harassing me with text messages and emails. Now they are reporting fraudulent information. The company responded to my complaint, stating they were going to cease and dismiss all activity. Well, they lied. Now they have started reporting false information to the credit bureaus. I would like legal action taken against this company and fines imposed for harassment and discrimination by XXXX XXXX XXXX. This unacceptable behavior has created stress for me. I have made multiple attempts to address the issue with the company, but the behavior has persisted. I am requesting that your company take immediate action to investigate and address this issue again. I strongly encourage you to take immediate action. I have filed a complaint with the attorney general to address this issue, as it has caused a more severe impact on my mental and physical well-being. I am now seeking counseling due to the stress that XXXX XXXX XXXX has caused me. I have studied the laws of Section 605B of the Fair Credit Reporting Act, which details your responsibility to investigate a company for harassment discrimination, and fraudulent information on my credit report. Please let me know if you need any other information from me.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX  - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XX/XX/year> Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have transferred money into my Venmo account now four times and the money is being held for no reason. I have attempted to resolve via chat and to no avail. I have paid fees to have it " instantly transferred '' and Venmo is holding it.
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. 


Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DOE XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I received a false and misleading letter from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 alleging I owed a debt. The alleged debt is disputed. The alleged debt is not validated. 


To LINEBARGER GOGGAN BLAIR & SAMPSON, LLP, and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Linebarger Goggan Blair & Sampson, LLP ( LINEBARGER GOGGAN BLAIR & SAMPSON, LLP ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Linebarger Goggan Blair & Sampson, LLP
Product: Credit card

Jefferson credit systems took over my credit card account. I lost job and had baby and got way behind on the card. Meanwhile Jefferson has not called me at home, they have called my new employment and family members and now they are trying to garnish my wages
Product: Debt collection

The Jefferson Capital Systems added a collection to my credit report, reporting fraudulent collection that I opened an account in XXXX and they are tried to collect debt that I have not even opened.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at roughly XXXX someone hacked into my PayPal account and transferred {$500.00} from my bank account from my card to their account and when my bank realized it was fraud they shut off the card I disputed this first through PayPal then through my bank. PayPal says they can not look into it because I disputed it with my bank. My bank disputes it and everything is fine. Then on XX/XX/XXXX PayPal debits my account {$500.00} saying that they believe the hackers account was mine and after fighting back and forth they refuse to look into it more and it is not my account. They have tried saying it was a duplicate charge but I never received money from PayPal.
Product: Checking or savings account

Zelle was not able to return my payment or charges to my account if Zelle account was not correct or found
Product: Credit card

Around XX/XX/2016, Best Buy/CBNA reported to the XXXX Credit Reporting agency that I filed Chapter XXXX bankruptcy against account XXXX and account XXXX. I HAVE NOT FILED BANKRUPTCY. After many hours on the phone with Best Buy credit card customer service, it was investigated and my account was re-opened. However, this morning ( XX/XX/2016 ) I received an alert from XXXX Credit Reporting agency that they have reported, yet again, that I have filed bankruptcy. I HAVE NOT FILED BANKRUPTCY. I am at my wits end of how I can get them to stop reporting this erroneous information on my credit report. I am trying to rebuild my credit and this is very damaging. Last month, I attempted to refinance my vehicle and was denied. Best Buy refused to provide where they are getting this information from so I could contact the lawyer, court or whomever provided this information. Please help. I can not afford an attorney but if that 's my only recourse, I will certainly hire one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, Experian, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called XXXX and Experian to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, XXXX, and Experian have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, XXXX, and Experian are in direct violations of the fcra. XXXX, XXXX, and Experian is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. Experian, XXXX and XXXX can not continue to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

A handful of accounts showing up on my credit report that are not mine on XXXX XXXX FICO score and Experian. 
XXXX credit card with {$700.00} balance XXXXXXXX XXXX XXXXXXXX card with {$0.00} balance XXXX car loan {$23000.00} balance XXXX XXXX XXXX  {$9600.00} balance XXXX XXXX  XXXX {$61000.00} balance XXXX XXXX {$260000.00} XXXX
Product: Checking or savings account

On XX/XX/XXXX Chase closed my accounts ( over 20 years ) without giving me any reason, without letting me know, no emails, no papers and wont discuss this issue with me and the reason why they closed my accounts, checkings and saving, spoke with them twice and both times I was told nothing ( they cant discuss that information about me, with me ) Now I have bunch of returned bills and mortgage fees which were on automatic payments and late fees, because of their actions I have to pay all those late fees and spend hours and bunch of phone calls to fix their teams incompetent decision.

Thanks for the help
Product: Debt collection

they say i owe money on apartments complex but they never show me a contract or papers or anything only words and is damage my credit and fair living. 
i want to stop or send proof that is mine.. 
if not stop doing it ...
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to EQUIFAX regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Student loan

I originally had loans with XXXX XXXX. I was never notified of my loans being sold to navient. Navient is not correctly reporting my loans to my credit bureau, nor did they explain to me repayment. I was under the impression all of my loans were in repayment plan, because when I signed up that 's what I was told. Apparently only 4 were in the program. I would have never only put some loans in repayment I wanted them all in repayment that was the purpose of repayment plan. Navient never discussed with me. I have been repaying for close to 4 years now and my credit is awful because I was n't aware that I was n't repaying everything. Navient does not have their info correct either when it comes to calling them for information. Student loans are crippling enough on their own, the company servicing themy should be helpful not a hinderence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - XXXX XXXX from XX/XX/2022 - XXXX XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.
Product: Debt collection

XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.