23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had fraud in my credit, someone opened 2 credit cards under my name and now it is in my credit report. I disputed this to my credit agency but the credit agency did not help me. They said they have done an investigation in the past and they are not doing another one. These account were opened in XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  original Transunion is not helping me deleting this fraudulent credit card of my report. They have refused to do an investigation in XX/XX/XXXX about this case in order to delete them. they refused to do an investigation again after they said it was verified on XX/XX/XXXX. And the companies verified. Transunion responded to the CFPB ON XX/XX/XXXX Complaint # XXXX stating that " We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. '' when I call they said they never closed this case because they never received it from the CFPB. TRANSUNION has did nothing to help and and has violated my rights into an investigation.
Product: Credit card or prepaid card

I had a XXXXXXXX XXXX credit card during the pandemic lost my job moved around from XXXX job to other thats when I lost track of some of my credit account. Recently I got sued by XXXX XXXX XXXX XXXX XXXX XXXX for {$8000.00} they are claiming I owe them. I have. No recollection owing them or midland credit. I would like you to help me find out where this came from and how I owe them.
Product: Student loan

Coast professional via phone set up a series of XXXX payments of XXXX monthly for a delinquent federal loan as a representative of the dept of education. After the XXXX payment they have continued to demand mandatory official proof of my monthly salary via my workplace HR and all paperwork showing other financial aid payments as well. Given this demand as I had yet to provide it they said I could not be in their repayment program. ( I TAKE IT THIS MEANS A MUCH LONGER OR NO TURNOVER TO THE DEPT OF EDUCATION? ). 

I have asked twice for a written copy of this " policy '' and was denied as they supposedly ca n't send the contract out to me without knowing essentially my official gross bank incoming and outgoing cash. Her responses made no logical sense so my red flags went up. ( they also asked me details of my monthly spending - a backdoor approach to knowing my bank account ). I 'm still not sure why this is the case, but no debt XXXX prior to this have demanded this mandatory portion of the arrangement. 
Questions : XXXX. Is this official paperwork mandatory for me to supply to secure my loans being sent back to the dept of education? 
XXXX. If this is not mandatory, the agreed on amount and XXXX payments duration - is this legal to hold me in limbo past this agreed on time period? 


XXXX. In addendum to this not associated with this debt collector, is it legal and mandatory once a payment has been established to tack on administrative fees or a penalty fee beyond the agreed sum?
Product: Student loan

I attended University XXXX XXXX on-line from XX/XX/XXXX thru XX/XX/XXXX. I experienced illegal adverstising tactics and false promises of employment following my graduation of my Associates degree. University XXXX XXXX has admitted to their wrong doing and has paid out milliions of dollars in damages, as well as waived an enormous amount of student debt. I have repaid approximately 50 % of my loan but still owe approximately {$11000.00}. According to the lawsuit I fall into the category of all 5 qualifications for student loan forgiveness yet have received absolutely nothing. My degree never helped attain any employment with the tainted University XXXX XXXX brand. I'm having trouble supporting my family and would greatly appreciate any help I can get.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  from my Coinbase account to fraudulent investment firms.
Product: Credit card

Cease and Desist Demand Letter XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX XXXX Texas XXXX XX/XX/year> CAPITAL ONE Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX number ( XXXX ) XXXX Subject : Cease and Desist Demand under 15 U.S. Code 1692c Dear Capital One, I have formally requested Capital one to cease all communication with me regarding the collection of the debt Capital one alleged I owe. Multiple times I have denied the charges due to fraudulent activities on the account.

This request is made pursuant to my rights under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Please consider this letter a formal cease and desist demand. You are hereby instructed to cease any and all forms of communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, emails, third party credit reporting and any other forms of communication.

The law defines communication as conveying information through any medium ie. XXXX XXXX, XXXX, XXXX. This means that communication is more than just email or mail correspondence. My credit report is a medium of communication through third-party affiliates such as XXXX, XXXX, and XXXX. Therefore, I also demand that you cease reporting this alleged debt to any credit reporting agencies. 

The details of the alleged debt are as follows : - Account Number : XXXX - Amount Alleged : {$8400.00} I am aware of my rights under the FDCPA, and I understand that once a cease-and-desist request is made, you are only permitted to contact me for the following reasons : 1. To advise me that you are terminating your efforts to collect the debt.

2. To notify me that you or the creditor may invoke specified remedies which are ordinarily invoked by you or the creditor.

3. To inform me that you are invoking a specified remedy.

If you continue to contact me or report this debt to credit reporting agencies after receipt of this letter, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will pursue all available legal remedies for any violations of my rights under the FDCPA.

Thank you for your prompt attention to this matter. Please provide written confirmation that you have received this letter and that you will comply with my request. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I checked my credit report this year to see there was an open claim from a debt collector XXXX XXXX on XX/XX/2015 for {$600.00}. I do not recall being at XXXX XXXX for treatment, nor did I receive notice of this outstanding debt.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

For the past nine months I have been submitting disputes online to the credit bureaus, ( all three, XXXX, XXXX and Transunion ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after nine months of disputing with them, that this be removed IMMEDIATELY.
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, MOHELA placed my account in Administrative Forbearance. The Administrative Forbearance was not requested by me and was done so completely at the discretion of MOHELA. During this time, my account continued to accrue thousands of dollars in accrued interest. When payments restarted, all of my monthly payments ( and extra payments ) thus far have been applied to interest accrued during the Administrate Forbearances. Since the Administrative Forbearance was not requested ( nor instituted ) by me, I do not believe I should be responsible for interest accrued during the Administrative Forbearances. When I called MOHELA, I was placed on hold numerous times ( totaling over an hour ) and was stonewalled by a trainee who repeatedly restated to me the definition of accrued interest. When I asked to speak with a supervisor, I was told by the trainee that she was instructed to not put me through because I did not have an issue to discuss. I filed a complaint with MOHELA via MOHELAs online secure messaging service on XX/XX/XXXX. Because I was advised by MOHELA on XX/XX/XXXX that my account was being transferred to another federal loan servicer, I requested a response by XX/XX/XXXX, the date of transfer. On XX/XX/XXXX date, I received a response to call MOHELA. I responded on XX/XX/XXXX stating MOHELAs response was insufficient. On XX/XX/XXXX, I received a response to my XX/XX/XXXX complaint stating my account was being transferred to XXXX. No resolution was offered. 
Based on the above, I have decided to file a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ), and the Department of Education ( DOE ). My payment plan is a traditional 30-year fixed rate and level repayment plan so there is no reason for me being placed in Administrative Forbearance twice for extended periods. Even if there was a legitimate reason, I should not be responsible for interest accrued during a forbearance instituted by the loan servicer. As a result, I request the refunding of all interest accrued during the periods from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, for which I was placed in Administrative Forbearance. 
My account ws transferred from MOHELA to XXXX on XX/XX/XXXX and the welcome letter from XXXX states I still owe {$2100.00} in accrued interest. From XX/XX/XXXX to XX/XX/XXXX, I have paid {$5400.00}, all to accrued interest.
Product: Mortgage

My mortgage company Nationstar ( Also known as Mr. Cooper ) settled with CFPB for around {$91.00} XXXX dollars this past XXXX, 2020 to resolve wrongdoing mortgage complaints against them. To date, I have not received any letters or notifications from them about the settlement even though I have written letters of complaints about them and to them in the past about unexplained and unverified penalties they have placed on my mortgage loan that I am still paying for due to their accusations of non-payment when my loan was serviced by Aurora Loan Services before they went under.
Product: Credit card

Since I 've been an American Express customer for many, many years - and am now preparing to close all my accounts - I decided to report my reason in the hopes that AE will clean up its act and not treat other accounts as mine have been treated. The problem began when I changed my business structure - was told I need to apply for a new card - which I did. I did n't realize that the card attached to the structure that no longer existed - was not canceled. It did not occur to me that a business entity that no longer existed would still have a Amex card - even though Amex knew of the business structure strange. In any event - when I realized my error I closed the " old account. '' In the meantime - I saw an international charge that I did not recognize. I disputed it - The company that made the charge, I later found out, was another foreign company that I always thought was USA based. The company - when they received notice of the disputed charge closed my account. When I was finally able to put the puzzle together - I opened up a new account with said foreign company and was billed for that new charge - which I did not dispute. In the meantime - the account that was closed and the charge that should have been reversed was not - American Express did nothing to investigate the charge - and even though I 'd been told the charge would be investigated and I would receive something in the mail - I never need. I assumed AE was still investigating. Apparently not. The disputed charge ( XXXX ) was left on my account - AND was reported as being a LATE bill! Then I received a bill saying I had a credit balance - I called, even sent screen shots of it as directed by AE personnel - who said I needed to send the screen shot because all they could see was the XXXX that SHOULD have been removed from my account. In desperation, I engaged in a chat - first the account could not be found - then the credit could not be found - and finally I just decided I was spending more money in terms of my time than the claimed balance. I paid the disputed bill. THEN I received notice that the account could not be found. I DO NOT UNDERSTAND WHAT IS GOING ON WITH AMERICAN EXPRESS - BUT AM ACTIVELY RESEARCHING ALTERNATIVES TO THIS MIND-BENDING UNPROFESSIONALISM WITH WHICH I HAVE BEEN SUBJECTED. 

So in sum : 1- I disputed a foreign charge. 
2- American Express did NOT research the dispute. 
3- I should NOT have been charged - as the company in question closed what I later determined WAS my ACCOUNT 4- American Express did not alert me re : the status of my dispute. Instead, indicated that my account was past due. 
5-Sent a credit balance 'statement ' - which AE personnel claimed they could not find- ( which was for an amount LESS than the original disputed charge ) 6-Continued to insist that the disputed charge was late and due 7-In absolute frustration and an unwillingness to waste any more of my time - I then PAID the ERRONEOUS charge - 8-AE is NOW saying they ca n't find the account for which the overpayment was made.
Product: Debt collection

I was shopping at XXXX back in XXXX when a XXXX  XXXX  employee approached me and offered to check if I was qualified for some sort of discount on an internet plan. I gave her my information purely out of curiosity to see if I was qualified. She then offered to sell me an internet package, which I declined considering I already have internet through XXXX XXXX. I then left the store. I never set up an internet connection in my home through XXXX, and I did not take home any XXXX internet equipment from XXXX that day. Later on I received a bill in the mail from XXXX claiming I opened an account and owed them money for the first month of internet access and alleged equipment. I called several times asking for this problem to be resolved, and I was told that the account that got opened under my name by the XXXX  XXXX  at XXXX would be closed. I then received a notice in the mail from XXXX debt collections telling me I owe XXXX {$140.00}. I have sent XXXX in writing via email a dispute of the full debt amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I discovered that I was a victim of identity theft. I logged into my Capital One account and realized that all my information had been changed to someone else 's. My cards were turned off without giving me notice and they promised they would send new cards. The new cards were then sent to the fraudulent address. After spending hours on the phone with Capital One, I was able to have them send me new cards to my correct home address. This took over a month to get new cards after their errors. I reported the fraud to them and they promised to remove it from my credit reports however they have not. I also attempted to file a police report, however no one called me back to take my information. I have also had a XXXX card opened fraudulently in my name. I have placed a credit freeze on all my credit reports, however my score has dropped 22 points and I feel it is completely out of my control.
Product: Mortgage

I was working with Oaktree Funding Corporation regarding the purchase of my property. My file was not reviewed properly and I ended up losing my deposit on the purchase of my property. Oaktree Funding made up requirements after providing a specific timeline indicating the loan would close on time. 

This company should not be allowed to practice as they will continue to cause harm to other buyers.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Debt collection

Portfolio Recovery {$590.00}, XX/XX/2017. The collection has been reported and appears on my credit report as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

This is a 3rd party collection debt buyer that I have requested verification via notarized letters as to the original contract that I signed with this company for more than two years. 
I searched my name on the SC court system site and found a case listed in my name in XXXX county in South Carolina where I do not live in or have never lived. How is it possible for me to protect myself when I had no knowledge of this situation. My address has remained the same for more than 40 years. 

Portfolio Recovery Associates, Llc NEF ( XXXX XXXX XXXX  ) Order/Change of Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Order/Change of Venue Order XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc NEF ( XXXX XXXX XXXX  ) Motion/Change Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Motion/Change Venue Motion XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Affidavit/Attorney Filing XXXX DMS Image Available IconDMS Image Available Icon Portfolio Recovery Associates , Llc Service/Certificate Of Service Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Summons & Complaint Filing XXXX DMS Image Available IconDMS Image Available Icon
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX .... Balance : {$40.00}
Product: Checking or savings account

With their letter dt. XXXX XXXX, XXXX ( Sequence Number XXXX ) Bank of America XXXX XXXX TX XXXX informed me that a check issued in my favor by the bank on XX/XX/XXXX amounting to USD XXXX has not been presented for payment. The letter was sent with an incomplete address and was received on XXXX XXXX only. In the letter, I was asked to request the issuance of a replacement check, which I did. I have not heard anything substantial from Bank of America since then. I have written letters and I have had multiple phone conversations. I was able to find out that the matter was related to a payment to my credit card account. I was told that a case has been opened under ticket # XXXX XXXX XXXX and that it would take approx. 6-8 weeks to issue a replacement check. 

I do not know which Department of Bank of America is in charge. The only written document I have is the letter of Bank of America XXXX XXXX. 

I find it unacceptable that Bank of America has taken 6 years to inform me that a check had not been presented for payment and that another 6 months have now lapsed without any progress.
Product: Credit reporting or other personal consumer reports

After numerous requests I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to This matter.

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED all DOCUMENTATION TO THE CONSUMER XXXX XXXX XXXX XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

I have provided my signed self attestation, my drivers license, utility bill and letter which is whats required by law.
Product: Credit card

I never received any notification that I had a balance due on a XXXX Synchrony credit card account. But since I missed making a payment they have been emailing me just about every other day. I originally thougth this was a scam, however when I checked my credit report saw that it was on there. This morning I virtually contacted the bank and had a live chat with them. I explained all of the above and that I wanted the fraudulent charges removed from my account. They said they filed the complaint. I also let them know I want this card cancelled. I was told that I would receive by mail the solution to the problem. 
My question now is how does XXXX get away with this and the credit cards that are offered in their name? I have an XXXX credit card with another bank and did not even know the Synchrony account was active or existed. I am in the process of cancelling the current account with them because they have a habit of putting charges on the card for no reason at all. Like all of a sudden you subscribed to their music channel or other such things. How do they get away with that?