23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems submitted a claim of {$700.00} on XX/XX/XXXX purportedly on behalf of my last landlord in XXXX, XXXX by the name of XXXX XXXX. I had rented in XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. 

Paid all the utility bills and left the place pristine clear. 

Instead of refunding my deposit of {$300.00} or {$400.00}, they asked me first to pay {$150.00} on XX/XX/XXXX. I refused to pay a fake charges of {$300.00} and instead requested for refund. 

For last several months through XXXX I have disputed both the charges as well as the inflated demand of {$700.00}. Even if I have believe to charges - the charges was for {$300.00} not {$700.00} and demand amount in XX/XX/XXXX was for {$150.00}. ( I have emails supporting my claims ). 

I was targeted for being a minority. 

I have troves of emails from XXXX, XXXX when landlord demanded {$150.00}. 

I had credit score close to XXXX which was accumulated over my stay in XXXX over last two decades. With fake collection amount of {$700.00} they destroyed my credit to mid XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit card

On XXXX/XXXX/16 I decided to take advantage of an offer I received from Chase Slate, using a balance transfer check to pay for an emergency home repair. I carefully read the terms outlined in the letter for the process of using a Chase Slate check as payment to the provider of services. First, the check must post to my account by XXXX/XXXX/2016 ; the date was XXXX/XXXX/2016, so I saw no problem with this. Second, the balance transfer check written can not exceed {$15000.00} ; the amount of the check was for less than that and did not exceed my available credit. And third, only a check issued by Chase Slate is valid, a copy or reproduction of the original check will not be honored. I was good to go ; upon completion of their work on XXXX/XXXX/16, I wrote them a check, using a Chase Slate balance transfer check. On XXXX/XXXX/16, I received a call from the local company who did my home repair. He said my check bounced and he also incurred bank fees.I told him to redeposit the check ; I would call Chase and get it straightened out. I obtained a copy of the returned check from our local bank and contacted Chase. After speaking with XXXX different customer service reps, they all told me the check had never hit my account on their end. Well it had to because it was returned. They took the pertinent info so it would not happen again, since it was redeposited. On XXXX/XXXX/16 I received another phone call from local company saying my check bounced again and there were additional bank fees. At this point I turned to family to secure the funds needed ; I was humiliated enough at this point. I called Chase again, speaking with XXXX more reps. They claimed the check still had n't hit my account on their end. Really?? Then where is it going? This time the reps verified that the check I used was not bogus. Everything matched up, so she assured me it was legitimate. She also suggest I write a complaint to Chase about the situation and gave me the address for correspondence. On XXXX/XXXX/16 I sent my complaint to Chase. I noted that I needed to hear from them within 2 weeks of the date on the letter or I would file an official complaint ; I included my cell number. I sent that letter 16 days ago and have had no contact from Chase regarding my complaint. I did however receive an email survey pertaining to my phone calls. Other than that ... nothing.
Product: Credit card or prepaid card

This complaint is regarding Citi 's dispute review process. I have submitted a cfpb complain about Citi 's handling of this case before, this is a complaint about the resolution of said case that I believe is unfair. Citibank has not followed their own dispute policy and I would like to compensated fairly. 

As a recap, the original cfpb complaint ( XXXX ) was about Citi 's extremely long review process of a dispute a made. In XX/XX/XXXX, I booked a flight using my Citi Prestige Card. That flight got cancelled due to the XXXX war. I have contacted the booking agency for a refund which did not return my calls nor answer my messages. I later disputed this charge with Citi. I filed my dispute in XXXX XXXX. On XX/XX/XXXX I got a letter from Citi requesting evidence for my case ( XXXX ). I emailed evidence on XX/XX/XXXX, which included my canceled flight and my messages with the merchant that remained unanswered. After months of waiting and multiple demands for an update my case remained unresolved. I submitted a complaint to cfpb on XX/XX/XXXX which prompted a quick response from Citi Executive Response Team on XX/XX/XXXX which closed the case an offered a {$200.00} credit which is less than 20 % of the disputed amount. 

I have once again contacted Citi for an explanation, a billing disputes representative said that Citi agreed that my evidence for services not being delivered is overwhelming and that they even attempted a chargeback for my transaction which merchant refused, however, Citi in its turn refused to provide to me merchants justification for refusing the chargeback. Citi claims that at this point theres nothing they can, merchants can refuse chargebacks and I wont be getting my funds back. The XXXX billing disputes representatives I talked to over the phone both agreed that this isn't the result they would have expected and that this sort of adjudication is unusual, normally these sort of cases are straightforwardeither merchant provides a reason for refusal or Citi issues a refund. 

I believe that it is extremely unfair for Citi to be passing this cost to the consumer just because they can't recover funds on their end. I use my Citi card with the expectation that I am protected and can rely on Citi to refund me my money if the merchant is fraudulent or acting in bad faith as it's clearly the case here. Citi representative attempted to talk me out of pursuing this claim further, suggesting I reach out to other agencies, try contacting the merchant again, reach out to XXXX, or even credit bureaus. I believe these are attempts to deflect responsibility which consumers like myself expect from them.
Product: Mortgage

Virtually since this loan 's inception about six months ago, our lender, LoanCare, has refused to recognize our initial mortgage payment and apply it against our principal. I believe their claim is they never received our check. We have provided proof by means of the ACH tracing number personally and via email from our bank that the payment was processed through XXXX XXXX. Despite my efforts and numerous emails to LoanCare, their employees and a supervisor, they will not adjust our account and statement to show the initial payment. Months later they still allege we have not made the payment. The supervisor I have emailed has not provided, as I requested more than once, her superior 's name ( s ), so I can take this to the next level. I have also requested via the company 's portal that someone contact me. Absolutely no response. That was over a month ago. Please help.
Product: Credit reporting or other personal consumer reports

I spoke to Early Warning Services via mail on numerous occasions. I am a confirmed victim of fraud dating back to when I was a minor. Upon discovering fraudulent banking accounts with negative balances on my Early Warning Report, I filled out an Identity Theft Affidavit and sent it to EWS along with a letter requesting these items be blocked from my report .his request was granted but later retracted. I then followed up and asked how they could possibly confirm these accounts were mine when I have documentation confirming I was a victim of fraud. I followed up asking for method of verification which I am allowed under FCRA 611 ( a ) ( 7 ). This request was months ago. To date I have not received this or any further responses. My consumer rights were violated and I did not get a proper investigation. I was told my disputes were frivolous but it is immoral to tell me an item is mine when I have been a victim of fraud and EWS clearly has no actual proof or documentation that contradicts this.
Product: Debt collection

I received a notice from IC Systems about a bill for XXXX for what I found out was a modem that I had from their company. I called XXXX and spoke to Supervisor in Collections, explained to her that I didn't have the modem any longer, the tech came out to upgrade my services and told me to throw away the modem as they no longer use this model its outdated. This bill is NOT valid as the XXXX tech to me to get rid of the modem as its not compatible with their service anymore. Why would I keep a modem that I cant use? Makes zero sense to me.
Product: Checking or savings account

I withdraw money at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX ATM aroundXXXX on XX/XX/year> for XXXX and I only received XXXX. 
Never had this happen before.
Product: Mortgage

XXXX has refused to acknowledge my XXXX property tax exemption and is trying to charge me late fees, threatening to impair my credit, and not accepting the mortgage payments and placing my loan in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material & the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Student loan

Navient services both my federal and private loans. I've had many issues over the years with Sallie Mae and Navient, but this one really got me. 

I see Navient pulling money out of my account each month and hadn't received any calls, so I assumed everything was okay. I get a call today that says I'm behind, but I'm curious why since I see the money pulled every month. Apparently the last person I talked to set up my payment schedule to the wrong amount so I was underpaying each month, which made me delinquent. I'm done dealing with these people. They don't want to help you. I've also been paying on this for 10 years and have gained XXXX in interest and now owe nearly XXXX for a 2 year degree from a now defunct for profit school. Thanks mega corporations! Keep us enslaved!
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding the permanent limitation of my account. On XX/XX/XXXX, I received a notification from PayPal stating that my account had been permanently limited due to a violation of their acceptable use terms. The notification referenced selling items, which was confusing because I have never used my PayPal account to sell anything. I have only used it to make purchases and send/receive payments from friends and family. 

I contacted PayPal and spoke to a supervisor who stated that they could not provide me with any information on the ban and that there was no appeal process. I find this unacceptable and unfair, especially since I have never had any issues with PayPal in over a decade of using their services. 

I was not notified of any suspicious activity beforehand, nor was I given the opportunity to appeal the decision. Additionally, none of my purchases have ever violated their acceptable use policy, as they are all from vendors who use and partner with PayPal. 

As a result of this permanent limitation, I am now unable to fulfill subscriptions and payments that I use to run my wife 's and my businesses. This has caused a significant disruption to our operations and has negatively impacted our income. 

I believe that PayPal 's actions violate the Consumer Financial Protection Act, and I request that the CFPB investigate this matter. I am requesting that PayPal immediately lift the permanent limitation on my account and provide me with a detailed explanation of the violation that allegedly occurred. I also request that PayPal establish a fair and transparent appeals process for customers who have been subjected to permanent limitations without notice or explanation. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The efficiency of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I have choice over what is and is not included in my consumer report, this is a breach of my privacy. Identity theft occurs if any accounts are reported without my express written approval. Both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2 are broken by this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/2019 - XXXX - I am requesting that the account be deleted from my credit report ( XXXX & TransUnion ). I was advised that the tradeline be deleted once I paid the balance. The account remains on both reports and reflect paid in full on one and settled on another. I also requested validation of debt from the company, but did not receive. I request that this trade line be deleted from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$1000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : Experian CC : TransUnion
Product: Debt collection

I been having a fraud alert on my experian credit report for a while. Due to many fraudulent accounts that been open in my name. Here are the accounts that do not belong to me. 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 # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Second Round Dispute - Request for Permanent Removal/Block of Fraudulent Account Under 15 U.S.C. 1681c-2 ( a ) Dear Equifax, I am writing to follow up on my previous dispute regarding the account XXXX XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX, which I originally disputed due to identity theft and/or a data breach. As you are aware, under 15 U.S.C. 1681c-2 ( a ), when a consumer submits a dispute alleging identity theft, the credit reporting agency is required to block and remove the fraudulent information from the consumers credit report within four business days of receiving the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan onXX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, Equifax, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my Equifax and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting a derogatory item on my credit history that should have dropped off in XXXX XXXX. I submitted an online dispute with Equifax on XXXX but did not hear anything. I mailed them a request for a new credit report ( and included all requested documentation ) on XXXX but did not get a response. As of XXXX the item is still showing up on my account at XXXX ID from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how XXXX, Experian and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX  XXXX, XXXX XXXX XXXX,
Product: Mortgage

On XX/XX/2022 PHH Mortgage accepted a wire transfer for a payoff of a mortgage. They are holding the money but have not applied it to the loan and are charging interest and late fees due to what they are alleging is an underpayment. 

I have spent 3 days trying to make a payment but can not get in touch with anyone to be able to apply a payment.
Product: Credit card or prepaid card

I checked my EDD Bank of America account on XX/XX/2020 and saw a pending transaction of {$38.00} for XXXX XXXX that I immediately recognized as fraudulent since I had never used the card anywhere, let alone in XXXX XXXX, where I do not live. I called the hotline to dispute the transaction but they told me I had to wait for the charge to clear before disputing. I then waited a few days, and the charge cleared, along with 2 other charges, all three for XXXX XXXX in XXXX XXXX. The other two cleared on XX/XX/2020 and were for {$300.00} and {$120.00}. I instantly cancelled my card. I tried calling the hotline several more times throughout the following weeks, but sat on hold for 2 or more hours each time before I finally hung up since I had to go to class. Finally, I got through to speak with a person in late XXXX and filed a claim and was given a temporary credit of {$460.00}. I was told it may take up to 90 days to review the claim. I also told the lady that I had never given anyone my card number or any information from the card and always kept it in my wallet. I hadn't used the actual card once, I usually just transfer the money over to my main bank account. Just a week later, I received a letter in the mail saying that they had determined that no error was made and they took back the {$460.00} credit from my account. There is no evidence to suggest I was trying to file a false fraudulent claim or that this spending was actually done by me, and I believe it is unfair to me that they basically accused me of doing so.