23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a mortgage with DHI and received an initial Closing Disclosure XX/XX/XXXX. Our closing was moved to XX/XX/XXXX and we never received an updated Closing Disclosure. I reached out to the Loan Officer, XXXX XXXX, on XX/XX/XXXX asking for an update and a revised Closing Disclosure. She informed me I would receive XXXX on Monday XX/XX/XXXX. We never received any documents. On XX/XX/XXXX I asked XXXX again when we could expect an updated Closing Disclosure with no definitive answer. On XX/XX/XXXX, XXXX day prior to our closing, I reached out to XXXX asking for a Closing Disclosure for the third time. I informed her we did not feel comfortable moving forward with closing with only verbal closing amounts over the phone and that we would need to see a Closing Disclosure by the end of the day to move forward with closing the next day. A Closing Disclosure was never sent.

As circumstances had changed after the initial Closing Disclosure was sent, a revised Closing Disclosure should have been provided 3 days prior to closing. There was more than enough time between XX/XX/XXXX and XXXX to do so.
Product: Debt collection

On XX/XX/XXXX I open a email from XXXX my credit score had dropped XXXX points. So I logged in to my account and checked my credit report where a debit collection account balance of {$2200.00} was on my credit report. Company name is XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX phone # ( XXXX ) XXXX, account opens on XX/XX/XXXX, and account collection date is XX/XX/XXXX. I did not open this account nor did I receive the money from this account. My name is XXXX XXXX XXXX ( XXXX ). Please help remove this fraudulent account from my credit report. Thank you for your time and assistance on this urgent matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case.

1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report.

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

My private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never gave authorization for my private information to be shared with Equifax I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action. Unless Equifax can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court. 

Attached is a letter I have already sent to Equifax
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  my Hyundai XXXX was totaled. XXXX and GAP coverage paid the balance on my financed vehicle less XXXX. I was made aware of this in XX/XX/. In XXXX a Hyundai representative called me and asked if I wanted to enter a payment agreement. 
I made a 6 month payment arrangement for {$250.00} a month But They Charged it off XXXX XXXX. My score was dropped tremendously. I called Hyundai and asked why did they charge off my account after I made a payment agreement? They said they didnt see what I was referring to and apologized for confusion. 2 years later its with a collection agency for the {$1200.00} I owed plus collection fee of approximately {$12.00} bringing the balance to XXXX. 
I settled for {$800.00} payoff on XX/XX/XXXX and XXXX collection agency sent the debt settlement letter to Hyundai.

In error Hyundai reported another delinquent payment for the balance of {$460.00} They claim they got the letter on the XXXX and updated the file incorrectly on the XXXX XXXX XXXXXXXX Causing my score to drop again. 

They also have been reporting late payments every month for a year to an account they charged off in XXXX. 

I have been calling for two years with no results and my score continues to suffer due to their negligence. 

I have documentation to support my claims if needed
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

AMERICA First Credit Union is changing people 's long time holding checking accounts over to a premium checking account option without permission. I signed up and started with AFCU because of their member benefits and their free checking account. They are unethical, without permission, changing my account to something I did not agree to.
Product: Mortgage

On  XXXX   XXXX ,  XXXX , I had a loss in my home and reported it to  XXXX   XXXX  ; which was my homeowners insurance carrier at that time. A gentleman came out to assess the damage by the name of  XXXX   XXXX   (  which you will find the estimate attached ), A check was sent to me from  PNC  Bank for me to SIGN ONLY AND TO RETURN THE SIGNED CHECK BACK TO  PNC  BANK  ( f or which I did in  XXXX  ).     Sometime in  XXXX  of  XXXX , I had the work completed and sent the necessary repair papers in the mail to  PNC  Bank  (  the first time I sent the papers in I never heard anything back from them ). I processed to call them and was told that they had not received them. I resubmitted the papers again and again ; and there was always a problem with  PNC  Bank kept losing or misplacing my paper work. The last time I resubmitted the paperwork was in  XXXX , it is now  XXXX  and  PNC  Bank is still holding my check.     I received a letter from PNC Bank on  XXXX   XXXX ,  XXXX , stating that they had just been notified of an insurance loss that happened in  XXXX . When I was told in  XXXX , that it was being held in a special account  (  the interest rate should be high for  seven years ).     I have looked everywhere for the paper work from seven years ago. Now that PNC Bank has transferred my account to    XXXX  , WHERE IS MY MONEY FOR MY LOSS??????     PCN put a lien on my home for {$5000.00} dollars ; since my account has been transferred ; did n't  XXXX  pay them off???
Product: Debt collection

As of XX/XX/2021, there is a debt collection for the amount {$380.00} from XXXX XXXX on my credit report that I was not notified of. The alleged debt account was handed over to XXXX Collections on XX/XX/XXXX from the original creditor. I never received a letter from CCS Collections, which was supposed to happen 4-5 days after initial contact/date account was handed over, and was never given the opportunity to dispute/verify. This is a violation of the FDCPA due to each individual having the chance to verify whether a debt belongs to that person or not. A Debt Collector can not just slap a debt on someone's credit report without the individual knowing and being able to dispute said alleged debt. I was not given that chance. Fast forward to XX/XX/2021, I filed a complaint with XXXX about this invalid debt. XX/XX/2021, XXXX notifies me of the results of the investigation. According to CCS Collections, they verified the debt. Who did they verify this debt with? What information was used? This is a potential HIPPA Violation, that is, if they possess personal medical information that is outside of HIPPA 's guidelines. They did not verify this debt, they just assumed because after " 30 days they can. '' Also, I do not even know if this company is even allowed to collect this invalid debt. Again, I was never given the chance to send them a debt validation letter, which I have every right to, according to FDCPA. Last, CCS Collections should only contact me via letter.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. The dates of these disputes are as follows : XX/XX/24, XX/XX/24 and XX/XX/24. Despite all of these letters sent to these XXXX bureaus, there has been no resolution or corrections. There is also no dispute verbiage on any of the accounts.
Product: Prepaid card

On XXXX/XXXX/16 I noticed charges to my account that were not mine. I promptly contacted Amex XXXX to file the dispute. Amex XXXX determined that the charges were authorized. However, I never made the charges and Amex never notified me of the suspicious charges totaling {$1100.00} all in a matter of hours. When I requested the documentation to show why they made their decision they refused to send me the documents or let me talk to someone who made the decision. After I filed my dispute Amex XXXX then terminated my card and said I violated the user agreement. When I asked what I did they could n't tell me. I have filed a police report and sought the advice of an attorney and he told me to make a complaint here. The money that was on the Amex serve card is my direct deposit money for my financial aid. Now I 'm out the money I borrowed which I will have to pay back and I can not use the money for its intended purpose my education. I have contacted Amex XXXX numerous times and get the run around. I asked them to reopen the investigation and they tell me no. I ask them to contact the business that the purchases were made at and they say no. I contacted via email the business myself explaining the charges were fraud and have not heard from them.
Product: Checking or savings account

Citibank Instant Payment process not working due to Error code MFA. After more than 6 hours on the phone with tech support over multiple days the Citibank staff offered numerous inaccurate statements and contradictory explanations. At this time they are unable to provide any meaningful information about why transactions are not being processes or how long it will take to get the system to work for me. The computer based chatbot does not render correctly in any browser with strong and fast internet signal. The mobile app chatbot never gets past the step of asking which account I am trying to contact the bank about - instead it enters infinite loop asking the same question over and over ( I am able to provide a video of this happening ).
Product: Student loan

My loan servicer, EdFinancial, has been reversing my loan payments since XXXX. I have been trying to pay my loan every month and even set up autopay, but even then, I check my statements and they are not taking money out of my bank account. XXXX login to the EdFinancial website, do a payment, get a receipt, and then the next month XXXX get a late notice because apparently my last payment was not accepted. My payment history says my payments reversed, but getting a hold of EdFinancial is literally impossible, Ive tried emailing them and no answer so far. I have been late on my payments since XXXX but they will not take my money, which makes no sense. I have plenty of money in my bank. I have been researching and have found other people online who had the same issue and had to file a complaint as well. Attached to this complaint is my payment history, my latest late notice, and all of the emails I received from EdFinancial saying that my payment was accepted only for my payment to be reversed a few days later
Product: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCT AND SOME INQUIRIES THAT I DID NOT AUTHRORIZE. 

XXXX/XXXX ACCT NUMBER XXXX AMOUNT {$510.00} ACCT OPENED XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and and experian has not updated the inquiries on there acct.
Product: Student loan

In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone ( which I contacted CFPB about a few months ago ), Navient has received over {$20000.00} in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the XXXX loans that were taken out, only XXXX of them has decreased by around {$1800.00}. The rest of them have gone up - way up. In short, {$64000.00} has turned into almost {$75000.00} - and counting. This is a nightmare. I am making the only payments I can " afford. '' In all reality, I ca n't even afford the monthly payment for the plan they put me on. But after trying to negotiate with them on the phone this XXXX ( while on the brink of default ) and being asked all of my income and expenses, they came up with a random monthly payment after talking me through their 1 % interest plan. That number does not line up with my income vs. expenses - which are extremely high, and always have been. But according to their reps, this is the best offer they are willing to make. Even after explaining to them that I am an XXXX - living paycheck to paycheck, that I do not have health insurance because I can not afford it, and that I need to start putting money away for retirement ( but can not afford it ), there is still no other solution on their end. It is so incredibly disheartening that all of the money I have worked so hard to support myself with, and have used to " chip away '' at my student loans, feels like it is being thrown to the wind. It seems that no matter what I am able to afford, no payment is large enough that will make a dent in my principal balance. It feels like there is no end in sight, and I am increasingly frustrated with the way that Navient does business. It is truly criminal what they are getting away with - and I do n't know where else to turn. Having a college education should not warrant punishment, but that 's exactly what this feels like.
Product: Vehicle loan or lease

I have an auto lease with Ally Financial, and have been paying all monthly payments on time up to XX/XX/2021. Ally repossessed the vehicle unilaterally from a towing company in XX/XX/2021, no response from Ally after exhausted efforts ( see my letter via online portal to Ally on XX/XX/2021 ). Ally sold the vehicle in XXXX, and sent me the final statement on XX/XX/2021. I paid the final amount without any delay ( see Letter from Ally on XX/XX/2021 ). 

To my surprise, Ally reported a " Charge off '' to credit bureaus ( see XXXX  as an example ) in XX/XX/2021. This has impacted my credit score significantly and unfairly. 

I believe that Ally is practicing an egregious procedure to damage consumer 's credit score for their financial benefit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the ( CFPA ) Specifically cash app 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 way unfair and deceptive as they did not comply with error resolution requirements under the ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss I seek appropriate redress for these violations.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC., is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( JEFFERSON CAPITAL SYSTEMS LLC. ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, JEFFERSON CAPITAL SYSTEMS LLC. must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In JEFFERSON CAPITAL SYSTEMS LLC. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX are not affiliates of JEFFERSON CAPITAL SYSTEMS LLC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received a letter from this debt collection company attempting to collect on a debt I do not owe. 

They claim to be collection on behalf of the XXXX but I have never had any accounts with the XXXX. Since I registered my car in Texas I have had a XXXX XXXX ( their competitor ) and have been in good standing with them the entire time my car has been registered. 

The license plate they have listed on the collection letter is not mine and they can't even spell my name correctly. 

I requested they validated the debt in accordance with the FDCPA and a few days later I received their " validation '' which raises more issues than their original letter. 

The statements from the XXXX they provided have different amounts than they claimed I owed in their initial letter. 

The address listed on the statements is not mine nor the address where they sent the initial letter. 

Once again the license plate listed is not mine. 

It is quite clear to me the ignored my initial response when I stated the license plate number listed on their bogus letter is not mine since their " validation '' shows the same plate number. 

At first I thought these errors were just mistakes but it is now obvious they are using deceptive collection practices in order to scam me out of money. This is a rather egregious violation of UDAAP and FDCPA. 

If they are doing it to me they are surely doing it to others. 

How much money have they made by sending fake collection letters without bothering to do some basic due diligence? 

The questions they need to answer are : 1.What steps did they take to confirm the information before violating my rights? 
2. Why are the amounts listed on their " validation '' different than their original letter? did they add extra fees before validating the charges in violation of FDCPA? 
3. With me advising them in my response and request for validation that the license plate listed is not mine why did their " validation '' list the same plate number? 
4. How do they plan on compensating me for violating my rights?