23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, two fraudulent credit card charges posted to my Bank of America account. 1 was {$790.00} and another was {$550.00}. Both were in-person transactions according to the bank. 

I had the card in my possession and it was with me at home on both of those days. I called to file a credit card fraud claim, but about two weeks later it was rejected on the grounds that the chip was used in the transactions. I also noticed that BoA erroneously included a third, completely valid transaction from before XXXX ( why? mistake? ), which I suspect led to my claim being denied. I appealed the decision, and furthermore filed a police report with XXXX XXXX police department as they requested, to work with them in good faith, and sent them a copy of the report. 

After roughly a month of no communication, and no indication that they even processed my appeal, I called them back. They put me on hold for over half an hour and maliciously redirected me in and out of the fraud claims department and refused to tell me information about my claim status. I believe they have no intention of working in good faith with me regarding the claim.
Product: Debt collection

Defamation of Character, Fair Debt Collection Practices Act Violation, and Fair Credit Reporting Act Violation. False or misleading representation.
Product: Debt collection

To Whom It May Concern, I am writing regarding an alleged debt associated with account number [ Account Number ], which I believe is the result of identity theft stemming from a data breach. This debt does not belong to me, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The information used to create this account appears to have been stolen in a data breach, during which my personal information was compromised. 

To validate this debt, please provide the following : XXXX. The name and address of the original creditor. 
XXXX. A detailed breakdown of the alleged debt, including the principal, interest, and fees. 
XXXX. Copies of any contracts, applications, or agreements allegedly signed by me. 
XXXX. Evidence linking me to this debt, such as usage history or IP addresses. 

Because this debt is fraudulent, I am also requesting : XXXX. An immediate halt to all collection activities. 
XXXX. That this account is removed from my credit report, as it is inaccurate. 

This letter serves as formal notice that I dispute this debt. Please respond in writing within 30 days, and address all correspondence to my address above. 

Thank you for your prompt attention to this matter.
Product: Student loan

Lender replaced the portal with UAS XXXX and I can not access the statements. 
When I try, the screen just turns gray and links to " null '' I need access to my current statement or payment will be delayed. 
How can I pay without a statement?
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, In the process of requesting PPP loan forgiveness over the last several months, Chases business direct center and whoever has been reviewing the application forms have been repeatedly clearing and re-adding conditions and have been extremely unclear with what they require. Every representative we have called has told us something different every time as to what they are requiring. Once the requested changes are made to the application they clear that condition and add back another that was already cleared. We have provided what they have asked for and more numerous times that prove the loan money was used on the business during the covered period. We have followed all the guidelines when applying, all 22 times, and each time with the additional documents they request and are still being denied. At this point they are going to run us out of business by not granting forgiveness for the loan that helped us and is still helping us remain in operation. We will not have the means to repay this loan amount in full by the date it is due. The SBA states that funds can be up to 100 % forgiven if used on the business during the covered period, which it was and we are not even requesting forgiveness for the entire loan amount. We are eligible for this and should have our application reviewed fairly. Chase is refusing to submit our application to the SBA even though we have provided everything they have asked for and more. 

Thank you, XXXX XXXX
Product: Mortgage

Hello, I was interested in a refinance so I contacted my mortgage company, Mr cooper formerlyn Nationstar. I spoke with XXXX XXXX, she asked for my information and checked my credit agave me a quote. I asked if she thought the rates would go lower and she said probably not. After a few week I emailed her and said we were ready. This is where the issue started. She stated in two different emails she would call me. I waited several days and and left her a voice mail and still no reply or answer. I then emailed her manager XXXX XXXX. He said he would have some XXXX call me. Someone called and basically told me it would cost {$5000.00} to refinance and said I should just pay more per month on my current mortgage. I I asked for a follow up email with what we discussed and and my options. She never emailed, so I asked XXXX in an email to have her email me. He said she will call. The level of professionalism is the worst. 
Mr. Cooper XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. 

LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX. Georgia Fair Business Practice Act : - XXXX XXXX did not disclose to XXXX XXXX XXXX XXXX planned to sell the car finance contract to a third party, US Auto Credit XXXX 
- This lack of disclosure may violate the Georgia Fair Business Practice Act which prohibits businesses from engaging in deceptive or unfair practices in business transactions. 
- XXXX XXXX may be in violation of this law if they did not disclose to XXXX XXXX their intention to sell the contract to US Auto Credit .

2. Georgia Uniform Commercial Code ( UCC ) : - US Auto Credit is bound by Article 9 of the Georgia UCC, which governs secured transactions such as car finance contracts. 
- Article 9 of the Georgia UCC requires lenders to provide written notice to the borrower after the sale of the contract, indicating that the contract was sold, to whom it was sold, and how the borrower should make payments. 
- In the scenario you provided, it is not clear if US Auto Credit provided such notice to XXXX XXXX XXXX 
- However, if US Auto Credit did not provide such notice to the borrower, they XXXX be in violation of Article 9 of the Georgia UCC. 
3. Georgia Consumer Protection Act : - XXXX XXXX may have a cause of action under the Georgia Consumer Protection Act if they can prove that XXXX XXXX engaged in deceptive or unfair practices, such as failing to disclose that they planned to sell the car finance contract to a third party.

- The Georgia Consumer Protection Act prohibits businesses from engaging in deceptive or unfair practices in Georgia. 
- In the scenario you provided, it is not clear if XXXX XXXX engaged in such practices. 
- However, if XXXX XXXX XXXX XXXX that XXXX XXXX XXXX kept the sale to US Auto Credit a secret, XXXX XXXX may be in violation of this law.
Product: Money transfer, virtual currency, or money service

Sent a payment to a friend via Venmo. She says her account was frozen ( I received no such notification when making the payment ) and she can't obtain the payment. I contacted Venmo and they indicate that the payment was completed and they can't issue a refund. ( So it sounds like Venmo will just claim the funds ). 

Venmo ticket ID # XXXX
Product: Debt collection

I requested that any debts bought by Jefferson Capitol systems should be removed from my credit report. As I do not have a contract with that debt buyer. Since they paid the debt, it can not be paid again by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}
Product: Mortgage

Simply put, Wells Fargo sent me a letter on XXXX saying that my home loan adjustable interest rate is now 3.00 %, and starting XX/XX/XXXX my adjustable interest rate would remain 3.00 % for a year. On XX/XX/XXXX I received the exact same letter stating that starting XX/XX/XXXX my home loan adjustable interest rate is now 3.375 %. 
I relied on the XX/XX/XXXX letter and did not refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint ( XXXX ) against Equifax Credit on XXXX, and I still have an issues with this organization. First and foremost, I had to submit two request which has taken well over 60 days for them to complete. The second time of submission, I submitted proof of payoffs from the creditors and Equifax still failed to correct the errors. In fact, they closed each request out, stating that the information was being reported correctly. Yet and still I have proof of payments to and from creditors. The two other bureaus seemed to have updated the same information with 15 days of receiving the payments. As I viewed my Equifax credit file most recently, I see where the credit account has been updated but my credit score is NOT reflecting what it should. I have ZERO late payments on my credit file. I am looking at Equifax 's credit scoring and reasoning behind MY actual credit score and factors affecting it. I took the time to screenshot these factors. The other area of concern is that Equifax has still NOT corrected one of the creditors ( XXXX XXXX ) that was recently paid and addressed in my last complaint with them ( 3 times now ), and with cfpb. I have also attached a screenshot of Equifax 's reporting status for the XXXX XXXX account in conjunction with my personal credit file. The information attached was obtained directly from Equifax 's website. I also attempted to submit yet another dispute to have this corrected and was unable to do so. I have attempted several times to have this information corrected and feel like I am not being heard and discriminated against at this point. As for the credit score reporting, I have NO LATE PAYEMNTS, I HAVE NO JUDGEMENTS, NO COLLECTIONS, USING ABOUT 11 % OF MY AVAILABLE CREDIT, A DEBT TO INCOME RATIO THAT '' S AROUND 29 % and INCORRECT INFO BEING REPORTED, and CREDIT SCORE THAT REFLECTS OPPOSITE OF WHAT MY CREDIT HISTORY, CURRENT CREDIT STATUS, ETC reflects per Equifax 's criteria ( attached ). I am seriously considering filing a lawsuit against EQUIFAX should this NOT be corrected IMMEDIATELY as I have made several attempts to work with these issues remedied. Your help and assistance is greatly appreciated. Thank you
Product: Checking or savings account

On XX/XX/XXXX, I discovered a check withdrawn from my account that I certainly didn't write. Further investigation revealed that these checks, bearing neither my signature nor address, have been periodically debited from my account since XX/XX/XXXX. The amounts, all under {$500.00}, were made out to 7 different individuals and deposited in various California banks. Unfortunately, as I primarily bank with Truist due to my business account, I overlooked this activity in XXXX and XXXX, months of significant spending. However, the bulk of the withdrawals occurred in XXXX and XXXX and the total amount stolen is close to {$9000.00}. Despite filing a fraud report with Truist and a police report with my local PD, Truist deems all NINETEEN transactions as one and refuses to refund any of the stolen funds, citing my belated discovery on XX/XX/XXXX. This is an outrageous and reprehensible way to treat a long-standing customer, absolving themselves of responsibility for safeguarding my funds, which is their primary duty.
Product: Student loan

On XXXX XXXX 2016 I applied for an Income Sensitive Repayment Plan and transferred my financial information using the IRS web site. I never received any further information about what my payment would be and began receiving emails informing me that I had hundreds of dollars worth of payments that were due. I called Navient to find out what was going on and was told that they needed more information. I was given the number for the student loan help line and was told to contact them. I was then asked if I wanted a forbearance to take care of payments in the meantime. I said that I guessed so and called the help line. They told me that Navient had all the financial information needed and had received it on XXXX XXXX. When I called Navient back with this information my calls were either dropped, I was disconnected, got only static on the line or got a non English speaker that I could not understand. After more than an hour spent trying to get through, I gave up. My forbearance is good until XXXX and today I received an email telling me that my payment for XXXX is over {$600.00}. Any help you can give me would be greatly appreciated.
Product: Mortgage

Mortgagor : XXXX XXXX Complainant : XXXX & XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX GA XXXX Loan # XXXX Attention Sir or Madam : We sold and closed on property on XX/XX/2020 and had Suspense Account - {$6800.00} Escrow- {$2100.00} I verified with 3 PennyMac representatives and Escrow representatives and attorney XXXX XXXX XXXX that loan was paid in full and received by wire transfer on XX/XX/2020. 
I called today ( XXXX ) and was told that only {$100.00} was showing as a refund. Our complaint is we should be receiving a greater amount than this from PennyMac. 
Our refund should be {$6800.00} and no less than {$4100.00}. 
Please investigate and help us recover monies owed to us. 
My email is XXXX XXXX
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
SANTANDER, balance is {$970.00}, and account # XXXX
Product: Checking or savings account

XX/XX/XXXX, Message from NFCU ( Navy Federal Credit Union ) say that my account is temporarily disabled. 

XX/XX/XXXX, Message from NFCU that an investigation has been started on my account due to suspicious activity. 

XX/XX/XXXX : Spoke to agent in branch and discussed the situation, ( No Chat function for NFCU and call center wait times are enormously long ) Was told that the process can take anywhere from 30 days to 90 days depending on the amount or the activity. Also, was told that the account was frozen because of a number of attempted tries of debits and wires. 

XX/XX/XXXX : Reached out to call center to get an update and was told that there was no update, account frozen, investigation still ongoing, you will be reached out to if there are any questions. 

XX/XX/XXXX : Received a letter in mail, which is somewhere around here that the investigation is still on going, and that the fraud seems suspicious. 

XX/XX/XXXX : Reached out to call center and asked about status, still no answer. 

XX/XX/XXXX : Went to NFCU and asked about a fraud, and still no answer XX/XX/XXXX : Account is closed with no information. 

No further updates as of XX/XX/XXXX, XXXX waiting for this investigation.
Product: Checking or savings account

So half way thru my vacation last week Pnc bank decided they didnt want to business with me no reason and closed my account before that they put a hold on my account and didnt notify me and me and my XXXX children got embarrassed at XXXX XXXX  and we had to wait so my brother could come pay our bill and know its been two weeks and they still have not given me XXXX XXXX dollars thats in my account me and my kids are sleeping in my car borrowing money for hotels and these people have no sympathy for position they have put me in and I have talked to several people since then even this morning and they have to mail a check which they should have done last week instead they mailed me six letters telling me my account is closed they refuse to give my money at a local branch even tho the branch is XXXX XXXX and no one is the banking system has communication anything or put anything that I called several time I have constantly made them aware of my situation I have XXXX XXXX  in my crypto account and I need XXXX for the processing fee and they are about to make me loose out on this opportunity to better me and my children life the are about to give my account to someone who can afford it as part of the program I sign up for help me please we will be homeless by tomorrow
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card that had a XXXX limit was used by XXXX XXXX XXXX while I was XXXX at XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX this can be verified call the XXXX and ask for records. I've disputed this with all companies. Experian is the only one that won't remove this. I've spoke with XXXX XXXX as well, the fraud people there took no time to make a decision that this was not fraud just because I didn't make a police report, well it is hard to make a report against someone who is deceased XX/XX/XXXX XXXX obituary. I did not use the card nor could it be possible for me to use it. Now they want to add {$180.00} in interest and offer me a 60 percent settlement which turns into paying XXXX for a XXXX limit. I'm not paying interest on a card I never used. Every month they report FP failed to pay even though they closed this account and charged it off YEARS ago.
Product: Debt collection

Yes i'm getting a fee on my american express card and i don't know why you guys are denying me since that i'm in the XXXX XXXX XXXX and the reason why i signed up for the american express platium card because my military member who is also working with me told me that i should sign up and that they you guys would waive off the fee. but i'm still am being stuck with the fee what the deal!
Product: Credit reporting

I wrote Experian by certified mail on XX/XX/XXXX for at least the XXXX time, regarding the erroneously reporting of an item from XXXX XXXX Bank XXXX Acct. # XXXX ). I have made NUMEROUS attempts to resolve this issue with Experian but to no avail. In my letter I sent them all the documentation that I have from XXXX XXXX 's credit protection program showing where this bill was paid by XXXX credit protection in XX/XX/XXXX. I purchased the protection from XXXX XXXX which covered payment of the account balance due to my becoming XXXX which occurred during my protection plan period. Today, I received a letter ( XX/XX/XXXX ) stating that the information had been " updated ''. I obtained a current copy of my credit report from Experian that shows no changes were made. This information is incorrect and damaging my ability to obtain credit. I do n't know what else to do but to turn to the FTC for help. Please help me in getting this erroneous information removed from my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  GEORGIA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX  XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.