23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My husband and I pay our rent by having checks automatically sent from our Chase Bank checking account each month. In XX/XX/2022, our check was intercepted. Someone changed the name of the recipient and fraudulently deposited it at XXXX XXXX  XXXX. We repaid our rent and reported this to Chase Bank. Chase refunded our money, then took the funds back and began an investigation. They later said the investigation moved to XXXX XXXX XXXXXXXX, since they deposited the fraudulent check. Event though this was a bank-issued check, and a clear instance of fraud, Chase has denied responsibility and XXXX XXXX XXXXXXXX just denied our claim for a reimbursement of {$2500.00}. Our Chase Bank claim number is XXXX XXXX
Product: Debt collection

I had a bill with XXXX for {$28.00} for service on XXXX XXXX 2016. I paid the bill in full on XXXX XXXX 2016 to XXXX. Sadly Wakefield has haressed me about it in even after payment was made and added interest to the bill. They called me a liar about making the payment and continue to send bills.
Product: Debt collection

They sent an email without prior contact for me via phone to authorize contact via email about any debt
Product: Checking or savings account

I bank with bank of america i filed a dispute regarding a {$100.00} payment from my debit card, I NEVER GOT THE ITEMM! I called and filed a dispute right away. 5 days later the claim has been " resolved '' and I didnt get my money back. I had contacted the merchant before all this and they declined my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

his letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.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. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a late payment reported on [ XX/XX/year> ] for my closed paid XXXX Credit Card. 
I want you to know that I understand my financial obligations, and if it weren't for an oversight, l 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have diligently paid on my account. Since then, l 've had a spotless record of on-time payments. 
My wife and I are planning to apply for a mortgage, and it's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope you'll approve my request. 
Sincerely : XXXX XXXX
Product: Student loan

FedLoan Servicing is incorrectly calculating my PSLF-eligible payments and their payment processing with Direct Debit is  repeatedly giving me error messages making it impossible to make sure automatic payments are processed correctly. I've repeatedly attempted to contact them via phone, online chat, and e-mail with incredibly poor customer service that is if I ever get ahold of someone or get a response. Customer service has provided no help with my legitimate concerns and issues. I'm technically paid ahead for my student loans yet their system now shows that I'm past due.
Product: Debt collection

Good afternoon CFPB Today Im complaining this debt collector : Waypoint Resource Grou XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone number : XXXX First I wasnt aware of the debt until it appears on my credit report, I wasnt informed or contacted about it. 

Second I immediately write a letter to apologize and returned equipments to company that was overdue, I also made an offer to settle for the debt but it was returned to my address. This company cant be trusted because they arent unavailable but keep reporting every month, they are violating my privacy and rights.

Im demanding this collection to be removed immediately because they are been reporting false and inaccurate information on credit report every month hence lower my ability to be trusted by different lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my car loan with another institution and paid off the original loan. That was in XXXX. I have called the original institution because 2 months later my loan still shows as open. My credit score dropped XXXX points because it looks like I have 2 car loans. I called again today and they told me to bring them my credit report to show that it is still open. I cant go because they close when I left off work.
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on XXXX is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting these accounts to the credit bureaus for over 1 year with police report and FTC report. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard Inquiries ARE INCOMPLETE AND INACCURATE 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX was a victim of your inquiry issue. customer service would not help and take care of the negative inquiries reporting to my credit report thats not mine. All inquiries shall be removed or else I will proceed in higher action. Thank you
Product: Credit card or prepaid card

I recieved bank of america payment card and my payment was never on the card sent then the card got rejected in which i beleive someone got my identity info and had a new card sent cause they knew when the money would arrive this process on fileing started bout 4. To 5 months ago dont know the right date cause it happen behind my back but i havnt got no pua payments that im entitled to so can u please help me XXXX XXXX
Product: Mortgage

During the Pandemic the Biden administration offered a mortgage abatement program for those who were affected by job loss as I was. I took advantage of it. 
When the plan expired I had completed the mortgage program paperwork to have the government send the money for the months I hadn't paid for to the mortgage company. The amount was about XXXX for the two years. 
Near the end of the of the mortgage program the mortgage company offered a loan modification to supposedly help me. We went through a trial period on the mod and everything was ok until they told me that I now could not recieve the money from the government because I was in a loan mod. This mod would take me from XXXX a month motgage to XXXX per month. This fact was never made clear to me up front, so I now feel like I was scammed. The paperwork for the government payment came in about this time and the mortgage company refused payment. Now they expect me to make a payment that I can't handle because I'm on a fixed income. I refused the sign the final paperwork on the loan mod because of this. However the mortgage company is following through as if I had signed the paperwork.
Product: Checking or savings account

On XX/XX/2023 an obviously fraudulent transaction taking {$22000.00} from my checking account was allowed by Wells Fargo. I reported it upon discovery on XXXX XXXX. I asked for an expedited inquiry because my partner and I are away from our XXXX, TX XXXX for some months in order for him to receive a XXXX transplant in XXXX, OH. The stolen funds were and are needed to be able to pay our bills over these months. At first I was told that their aim was to resolve matters by XX/XX/XXXX. Then, I was told XX/XX/XXXX. Now I am told XX/XX/XXXX, but they will try and have an XXXX call me in the next few days. To me that means NO XXXX has done anything to clear things up and return my funds. 

I realize that for Wells Fargo, this XXXX be business as usual, but for me this has created a crisis. I closed that account and opened a new one, but have to specifically call and authorize each transaction so that MORE fraudulent transactions are not automatically forwarded to the new account. I could not even get hold of my new account number for some days. They told me to go in to a local branch with my ID, but Wells Fargo has closed every branch bank within XXXX miles of my location. 

Please help me get someone to do something. The check ( for which no check image is available ) was not authorized by me. Does this mean that anyone who has my account and the bank routing number can rob me with impunity? Is there no motivation for the bank to resolve this expeditiously?
Product: Debt collection

I XXXX the name of the company " XXXX XXXX  XXXX XXXX XXXX XXXX '' to confirm who this debt was. It's an apartment complex I never lived in. I asked for the dates of move in-move out. I asked to provide verification of me living on this property. I was told notice will be sent to the address on file for me. I was not able to verify my current address as they denied. I have been awaiting to receive information to dispute being this is not me. I never received the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance wit the Fair Credit Reporting act, XXXX XXXX  XXXX and 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 an account without my written instruction.

15 U.S.C. 1666B : : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX claims I owe them {$11000.00} for the original creditor, PNC BANK. Opened XX/XX/2022. I never opened or had a PNC BANK account. PNC BANK is not on my XXXX credit file. XXXX XXXX XXXX XXXX needs to remove this false information immediately.
Product: Debt collection

Capital One Account Number ending in XXXX is an old credit card that in which I was added as an Authorized User. I did not make purchases on the card and per law an authorized user is not responsible for the debt. Collection agency XXXX XXXX XXXX is reporting the debt on my personal credit report. I have disputed this account several times due to the account not being owed by me and they continue to still report the account to the credit bureaus. This action continues to impact me as due to this reporting I am receiving less than favorable credit ratings.
Product: Mortgage

XX/XX/18 I submitted a payment from my account for my mortgage to XXXX XXXX XXXX. Today looking at my bank statement XXXX XXXX double charged my account, causing an overdraft, although I submitted payment once. 
I contacted XXXX XXXX, and they denied this occurred.
Product: Mortgage

they added double the amount onto my escrow acct my ins went up XXXX in may they added XXXX to my escrow which made payment go up by XXXX a month. this co bought my mortage years ago at XXXX at XXXX percent and it won't be paid off until XXXX don't make sense.
Product: Checking or savings account

This complain is about JP morgan, who did not ID the person cashing the check nor they have any XXXX footage. 

A scammer got the hold of a check one  of the accounts belonging to XXXX XXXX XXXX XXXX. That person went and cashed the check at Jp Morgan and chase. On XX/XX/XXXX ( date cashed ) XXXX. XXXX  was going through health crisis due to XXXX and did not receive bank statement for that month. Sometime later, during the medical billing process, XXXX XXXXXXXX XXXX XXXX XXXXXXXX discovered that there was fraud committed on XXXX XXXX 's account. Next day, we filed police complaint and also complaint at the bank. This was in XX/XX/XXXX, so the XXXX XXXX XXXX XXXX  stated that because it has been XXXX they are unable to refund the money back to our account. The branch manager recommended to keep pushing it to the cooperate ladder to see if they can reconsider due to health crisis going when the fraud occurred. The bank stated that they still can not refund the money and see if the police can help. The police did the investigation and they stated that JP Morgan is the place the where the check was cashed by the scammer. However, JP Morgan did not check their ID nor have any security footage of the person. In the email on XX/XX/XXXX detective XXXX XXXX stated that XXXX XXXX was not found in public record, but over the phone call they informed me that they had located the person whose name is on the check, but they can not arrest her as there is no proof from JP Morgan bank. On the phone call detective XXXX XXXX on XX/XX/XXXX stated that XXXX XXXX is a college student living in XXXX, but they can not arrest her as JP morgan did not ID the person nor have XXXX footage. We have tried different ways to get XXXX XXXX XXXX XXXX the amount ( {$3900.00} ) back, but no success. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XX/XX/XXXX and XX/XX/XXXX. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$32.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$290.00} : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There is an authorized user account on my credit report that is not mine.
Product: Checking or savings account

For no known reason Chase bank decided to close my accounts. I had no non sufficient and direct deposit for my pay check. If I had not gone in to ask what was going on I would not have been able to stop my pay check from being deposited. No one in the bank was able to tell me what was going on or why this was happening. I had accounts with Chase for years and this was done without notification.
Product: Student loan

My loan originated as a XXXX XXXX originally serviced by Sallie Mae. In XXXX, it was moved to Navient. I hadn't noticed and it wasn't made clear that when it was converted, it was turned into a private loan. At the beginning of the pandemic, the payments were paused but, it appears that late fees and interest continued to accrue. After the first pause expired in XXXX, they put me back in repayment. My outstanding balance actually increased over the last two years despite the fact that I've been paying again since early XXXX. 

I graduated from college in XXXX with about {$28000.00} of loan debt. It's {$57000.00} now. They pushed me toward deferments during the years I was hardly making any money and it grew and grew.
Product: Credit reporting, credit repair services, or other personal consumer reports

The public information record of XXXX XXXX XXXX thats listed on my XXXX, XXXX and Trans Union credit report is incorrect. The public information record is inaccurate.