23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 
XXXX 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 request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. Thank you for your immediate attention to this matter.
Product: Checking or savings account

On XX/XX/2023, Citi Bank froze my checking account without a reason or notification. The only transaction I performed was transferring the balance in my account into another bank account I own. After transferring my money, they returned the money to my account with them and they froze my account or put a block on it. As a result, I can not use my account for any transaction. On XX/XX/2023, I contacted the bank trying to resolve the problem but to no avail. I verified my identity with the bank representative and requested that they unfreeze my account but they refused to do so. They want me to go the branch in person to resolve the problem. I'm currently out of the country and I can not go to the bank in person. I opened my checking account online more than a year ago and it doesn't make a sense that I have to go the branch to resolve bank issues. Many customers usually resolve bank issues online or on the phone especially if they are out of town or country.
Product: Student loan

I initially applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX. I submitted ECF for all 3 of my employers from XXXX to the present. My application for my employer, XXXX XXXX XXXX XXXX XXXX, was initially denied due to the organization being out of business. I resubmiitted Employment certification along with an email from the parent compny ( XXXX XXXX ) refusing to verify employment due to the length of time elapsed and, again, my application was denied. My loans were then transferred to Mohela where I have submitted an ECF, documentation of all W2s for my years of empolyment with XXXX XXXX XXXX XXXX XXXX, and tax filings for XXXX XXXX for the years XXXX listing XXXX XXXX XXXX XXXX XXXX as a nonprofit subsidiary. My application was again refused stating that my employment could still not be verified as meeting the full time status requirement. I have subsequently submitted a letter from XXXX XXXX ( who bought XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX ) verifying my full time employment status. I received a letter from Mohela in XX/XX/XXXX again stating they are unable to verify my employment and can not certify my payments from XXXX to XXXX as eligible for PSLF or TEPSLF. I have repeatedly submitted information to verify a former employer for PSLF under the TEPSLF waiver, most recently in XX/XX/XXXX. My prior employer, XXXX XXXX XXXX XXXX XXXX, a subsidiary of XXXX XXXX, has been closed since XXXX. I have submitted all of my XXXX for my years of employment, tax information for XXXX listing XXXX XXXX XXXX XXXX XXXX as a non profit subsidiary, a letter from XXXX stating they do not have records of employment due to the length of time elapsed, and a letter verifying that I was a full time employee of XXXX XXXX XXXX XXXX XXXX from XXXX. Mohela has, on at least 3 occassions. I have filed two complaints with the Depatment of Education. The first complaint was closed due to loans being transferred to Mohela. The second complaint has been in review for weeks. I have requested assistance from the FSA Ombudsman and was denied the opportunity to speak to an Ombudsman directly. I was told they are only accepting online complaints through their feedback process. I am requesting CFPB to review my complaint and determine why an eligible employer under PSLF/TEPSLF is being repeatedly denied so my account can be updated to the appropriate 379 eligible payments I have consistently made. I began repaying my student loans in late XXXX early XXXX and have worked for non profit organizations from XXXX and again from XXXX to the present. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing this letter due to the actions that XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

After having closed the account with them, they still tried to debit an entire paychecks worth of money, across XXXX different transactions, after my most recent payday. Their support team had no information as to how this happened, and stated that since the transactions had been sent it was completely out of their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I initially open this account my due date was on the XX/XX/XXXX of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX of each month in XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to update my credit report with incorrect balance information which is effecting me getting a job and finding housing i have paid off a balance in XXXX and one month it states its paid then the next month it reverts back to the old balance this is unacceptable and do to me missing out on job opportunities i am seeking counsel this agency refused to update even after several disputes i even contacted the credit card company whom states it should not reflect the incorrect balance transunion needs to be held accountable for there negligence
Product: Mortgage

For the first five year of this mortgage, I had an automatic deposit in place with my bank. I paid on time every month during that time period. On XX/XX/XXXX, my bank sent the mortgage co. a check which they did not record as received although it appeared on my bank statement as paid. On XX/XX/XXXX, my bank sent the mortgage co. a check which they returned. I checked my records and sent them a letter and paid my mortgage again. 
Unbeknowst to me, they had cancelled my automatic payment, therefore, on XX/XX/XXXX, they did not receive a check. By the time, I received a late payment statement, and requested a copy of their records, it was the end of the month. I recocilled my records with theirs, found their errors and sent them a detailed letter of what needed to be done with corroborating documents. I also sent the a check for XXXX and XXXX payments. They received them on XX/XX/XXXX. They corrected their errors but sent a notice to the credit reporting company that I paid late and it damaged my credit score which had been XXXX. I maintain that their errors cause confusion with my account and although I had tried to rectify their errors and make prompt payments, they refuse to correct my credit report. I find their actions to be unfair as it was their mistakes, not mine, that caused the problems.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report.This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account 1. XXXX XXXX XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Prepaid card

On XX/XX/year> I deposited {$180.00} to my Cash App account with a deposit receipt given by the company who made my deposit. On XX/XX/year>. I checked my account with {$0.00} balance in it. CASH App won't provide any record of transaction made on XX/XX/year> when asked by myself. They do not provide to me any record of transaction to show what or where my cash deposit of {$180.00} went or what happened to my money deposited to my account. I want to receive my {$180.00} or be provided a record of whatever happened to my money. As of this moment I consider they stole my money. Please help me to get paid back my {$180.00} deposit because they can not provide a record of any transaction for it. I have a deposit receipt from the company who made the deposit to my Cash App account. This is a fraudulent business practice by Cash App and I want to be paid the {$180.00} I deposited. Please assist in this fraudulent financial matter at hand to recover my stolen money. Please report this theft to proper authoriites.
Product: Student loan

I have had an absolutely terrible experience with XXXX ( formerly campus partners ) for small supplemental loan that I took out during XXXX school. The number one problem for me is that they keep charging me redundant late fees because they can not accurately apply my payments to my account. I agreed to pay the XXXX and XXXX ones ( after they told me that are " unable to make adjustments to the account '' or remove late fees ) but after I was charged a third one that was the last straw for me. The second and third ones occurred while the account was in autodraft status, so there should never have been an issue. Further, I was told that the third late fee occurred after I received correspondence saying I owed the second late fee ( which I never received despite accurately updating my address with the company ... .they actually confirmed that the letter was sent out one day after my address was changed ). Their response was that they can not be held responsible for the US postal service. Well apparently they ca n't be held responsible at all because the last person I spoke with on the phone confirmed that I had been erroneously charged the late fee but there was nothing she could do about it and no supervisor I could speak with ... my only option is to submit a request in writing by mail. Furthermore, XXXX of the XXXX customer service people have been extremely rude and unprofessional. Their online interface is archaic and prone to errors ( I am trying to pay my loan online as I type this but their site is " down for maintenance '' ). Every avenue with which I try to make a payment is associated with some kind of service charge. It is unbelievable how terrible his company is and how there is no hierarchy in their company so that I can speak with someone that may assist me adequately ... there is absolutely no accountability. 

When asked on this site what my issues were, I would have checked all the boxes if I could. My problems have included : -Making payments, getting information about my loan, managing my account -Trouble with how payments are handled -Do n't agree with fees charged -Received bad information about my loan -Need information about my balance/terms -Keep getting calls about my loan -Having problems with customer service So essentially everything. Basically their customer service is terrible, their website/payment system is terrible, and they can continuously charge extra fees without any accountability. Worst company ever.
Product: Credit card or prepaid card

I have a XXXX XXXX card with commenity bank. I made a payment on XX/XX/2020. Both online and over the phone account says I have no amount due. However they called me 3x, my wife 5x and my in-laws 10x in one day claiming I have a {$5.00} late fee. Then the customer service rep told my wife good luck paying the late fee. This is harassment. I have never in my life been harassed by a bank for {$5.00}. They also called from a blocked number. I tried to speak to a manager but they wouldnt put one on the phone. These are harassment and predatory practices they need to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon getting an alert from XXXX XXXX I recently discovered that I have a recent collection reporting on my credit report that are from two different collection agencies but this account is an account that was recently deleted in XXXX of 2018 the former collection agency was XXXX XXXX XXXX for the same original creditor XXXX XXXX XXXX in the amount of {$790.00}. Transition has previously deleted this account, but has allowed two different collection agencies to report the same debt from the same original creditor in the same amount.
Product: Checking or savings account

Hello, I have followed and HSBC advertisement link on their website and opened a new checking account in XX/XX/XXXX. 

The advertisement said ; deposit $ XXXX and receive {$350.00} bonus after 90-day I have deposited $ XXXX on XX/XX/XXXX and still haven`t received the {$350.00} bonus. 

Called customer service 3x and chatted on their website 2x and they gave me a case id XXXX on XX/XX/XXXX They said they would call back which they did not. 

Thanks,
Product: Debt collection

I have attempted numerous times to explain to Capio that I had paid this balance, and my college told me I had to call and pay them. I paid the balance twice, and Capio also verbally told me on the phone that they would remove from credit reporting once paid. Now that my college has a payment tracking system online, I was finally able to obtain a receipt of the payment to the original creditor. With this now being received, I am hoping they will finally remove this account from my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report making sure everything was accurate on my credit report and I noticed there were some addresses and date of births that does not and has never belonged to myself. I submitted complaints to XXXX, Equifax, and XXXX expressing that they are reporting INACCURATE information onto my credit report, and I have gotten no response..
Product: Credit card or prepaid card

On XX/XX/2020 I booked a hotel stay at XXXX XXXX XXXX XXXX ( located in XXXX ) through website XXXX. This stay was supposed to take place from XX/XX/2020 to XX/XX/2020. The reservation included a " Free Cancellation '' policy that entitled me to receive a full refund in case I cancelled it before XX/XX/2020. 
I paid the reservation in full ( {$920.00} ) using my MasterCard credit card issued by Bank of America. You can find the charge paid in the attached credit card statement. The charge 's reference number is XXXX. 

I cancelled the reservation on XX/XX/2020. Instead of receiving a refund, all I got from XXXX was a voucher that was supposed to be valid for a new hotel reservation. When I tried to use this voucher, their website was down, their customer service telephone lines were also down, so there is no way to actually utilize the voucher. In light of this, and considering that I never received the full refund set forth in the cancellation policy, it is clear that XXXX is incurring in a fraudulent practice. 

Consequently, on XX/XX/XXXX I called Bank of America to initiate a dispute over the charge that I had paid for in XXXX. They informed me that due to their systems limitations they can not generate dispute claims for charges that happened more than 6 months ago. 

I now recur to the CFPB for help against the XXXX fraudulent practice, given that my trusted bank is not able to help. 

Please let me know if additional information is required. 

Thanks and Regards, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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 instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agencies providing bankruptcy information. The letter from XXXX XXXX locating and removing the bankruptcy information from their database. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information. If it is from the bankruptcy court, IT IS AGAINST THE LAW! Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. Please remove the bankruptcy and accounts associated in the bankruptcy immediately from your database. Under the FCRA, I am guaranteed the right to sue a party that has violated my rights or protections under the act. If a credit bureau or furnisher is continually reporting false information, despite your efforts to dispute the information, I have grounds for a lawsuit. 


Page 1 Name inaccurate. See Drivers LicenseREMOVE BANKRUPTCY!

Page 2 Address inaccurateSee Drivers LicenseREMOVE BANKRUPTCY!

See Bankruptcy Document : Pages 19-24 Creditors filed in BankruptcyPlease remove all accounts documented on my credit report below. They are not documented with accuracy with original amounts nor documented as included in bankruptcy. Also, provide me the letter I wrote to your company to store these accounts in your database. REMOVE THESE ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I disputed some address that were not mine. 
I disputed a collection account called XXXX. 
XX/XX/XXXX I disputed three XXXX credit card charge offsfor the wrong amount XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed XXXX XXXXXXXX XXXX for wrongfully repossession of my car without contacting to get it back before auction. Now it is reporting on my credit for the wrong amount. 
XX/XX/XXXX I disputed a hard inquiry called XXXX thats not mine. 
I disputed previous XXXX XXXX XXXX thats not mine thats repoting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also not my address.