23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The loan modification in questions was originally submitted to XXXX XXXX XXXX on XX/XX/XXXX. After its transfer to SPS, documentation was lost and had to send same information several times-all via email. 

There is currently a trial date scheduled and opposing counsel is giving us some resistance with continuation based on the pending loan modification. I have confirmed on XXXX different occasions that SPS has a facially complete loan modification-the latest occasion was XX/XX/XXXX. ( The remaining item that they requested on numerous occasions was originally confirmed received XX/XX/XXXX and was sent four times additionally since that time. ) We just ask that SPS please communicate with their counsel to indicate that it is facially complete to allow time for a decision on the loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  are reporting a mixed file to my credit report. There are 5 socials that are not mine on my credit report as well as several names that are not mine. There are also multiple negative accounts that do not belong to me that are reporting and damaging my credit.
Product: Debt collection

I recently called frontline asset regarding this issue I tried to explain to the representative that it is illegal to try to collect funds without verification and he just hung up on me
Product: Money transfer, virtual currency, or money service

COMPANY - VENMO LOCKED MY ACCOUNT ON XX/XX/2021 AFTER I SUBMITTED A TRANSFER OF {$1000.00} TO MY BANK ACCOUNT. 

THEY HAVE BEEN GIVING ME THE RUN AROUND FOR WEEKS. AND NOW THEY ARE NO LONGER RESPONDING TO MY EMAILS. I HAVE BILLS TO PAY AND THAT IS A LOT OF MONEY FOR THEM TO JUST STEAL FROM ME WITHOUT ANY CONTACT. 


CASE ID # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally claim today about cash app there had been multiple occasions I have tired to reach a representative or someone to dispute chargers that was made on my account and never is able to reach someone or get any help so I have to just take the lost This lack of access to customer support and the inability to resolve fraudulent charges is extremely frustrating and unacceptable. I expect Cash App to take my claims seriously and provide a prompt resolution to the unauthorized charges on my account. 

Please investigate this matter thoroughly and provide a clear course of action for resolving the disputes. I look forward to hearing from you.
Product: Credit card

My chime XXXX XXXX  XXXX  ending XXXX has an unauthorized charge of {$57.00} to XXXX on XX/XX/year> at XXXX XXXX
Product: Credit card or prepaid card

Capital One won't verify my phone member making any king of online payments impossible through their website or app. When I call to make a payment they won't accept a debit card. They will only accept a check with my account and routing number. 

I don't trust them with that information and I don't trust that they will process a payment in time to prevent me defaulting on a payment. I have serious suspicions that they are deliberately trying to make me default on a payment. 

My first payment is due on XX/XX/XXXX and as of XX/XX/XXXX I have already been trying to unsuccessfully make a payment for three days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I 've had issues with cavalry portfolio services. They purchase old debts threaten to sue you and collect on old debts. My wife and I had given this company money on old debts that I feel they did n't have a right to collect. Anyway now they have their last frutal attempt to collect a debt that is beyond the statue of limitations in my state. They are not the original creditor and it seems they are re-aging the debt so it stays on my credit report longer than necessary. I would like this removed from my credit report and the company punished for being unscrupulous.
Product: Bank account or service

Upon advise of the B of A branch # XXXX manager I closed XXXX very old accounts. My checking and my savings account. I did this to prevent anyone from depositing money into my accounts and thereby creating a legal difficulty for me. After waiting the required amount of time I informed a person that I was returning her check and refusing to accept any partial payment. That person went to the XXXX XXXX, Ca. branch of B of A and attempted to deposit a check into my closed account as evidence on the deposit receipt. That person then managed to convince the teller that she had legitimate business and the teller found my new account information and allowed her to deposit the check as evidenced by the deposit receipt. When that persons cashed check is processed by her Bank all of my new account number will be available to her. Bank of America tells me that they can not guarantee that this will not happen again. My only recourse is to close all of my B of A accounts.
Product: Debt collection

RE : Obligation owing to Citibank , N.A . / CITI MASTERCARD Judgement Case No. XXXX Account number ending in XXXX Current balance : {$3600.00} SETTLEMENT OFFER # 1 FOR {$2100.00} ACCEPTED AMOUNT PAID IN FULL ON XXXX/XXXX/2016 METHOD - CHECK BY PHONE On XXXX XXXX, 2016, I spoke with XXXX XXXX, a negotiator at XXXX XXXX XXXX XXXX, regarding this matter. I accepted the lump sum payment settlement offer of {$2100.00}, and paid the amount in full over the phone ( check number XXXX ). I have enclosed a copy of the statement which was sent by XXXX XXXX XXXX XXXX, selecting option 1 as instructed by the negotiator. I received a Locator confirmation number of payment in full, which is XXXX. 

I have fulfilled all requests made by XXXX XXXX XXXX XXXX. By doing so, I was informed that this judgement will be removed from my credit, and that I would receive a copy of a " Release of Judgment '' by way of mail. My credit is important to me. Paying my debt is equally important. 

As of today, a Satisfaction Release of Judgement letter has not been sent to me, the court system still show the judgment is unsettled, and all credit reporting agencies show that I still owe for this judgment. 

I am trying to do my part as a productive citizen. What good is it to pay my debts, if my credit is still in ruin? Please help me. 

Thank you.
Product: Money transfer, virtual currency, or money service

A wire in the amount of {$100000.00} was sent XX/XX/2023 by XXXX XXXX to Citizens Bank for the benefit of a Citizens Bank account ending in XXXX ( outgoing fed reference confirmation # XXXX ). 15 minutes later it was discovered and a wire recall request was supposedly initiated by XXXX at that time, with the appropriate trailing hold harmless/bond agreement from XXXX to Citizens following on XX/XX/2023. Additionally, Citizens was contacted on XX/XX/2023 to make them aware they had a Fraudulent Account within their system that was set up to defraud an unsuspecting consumer as well as Title Company. Over 20 requests for information have been made to XXXX XXXX and Citizens, only to receive a consistent comment of " Call back in 10 days as your case is in the queue and will be addressed in the order received ''. It has now been over 60 days since the incident and still no information regarding the resolution of the case. It is believed the money is simply sitting in a Frozen Account at Citizens and they are slow playing the addressing of this case in order to take advantage of the deposited money in the account. At a minimum, they should be sharing information regarding whether or not the money is being held or has been released and lost. Unfortunately neither XXXX XXXX nor Citizens is willing to provide any information and simply hide behind the fact this is a possible Fraud Case and it is under investigation, no further information is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXT Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over XXXX years and they continually re-add these items to my XXXX, Equifax and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To : Cfpb ( Transunion, XXXX, XXXX ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX NA Account # XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & trans Union and XXXX and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Product: Student loan

I am in a " rate-reduction '' program with Navient. At a whopping $  XXXX  nearly all of this goes toward interest because  XXXX  loans are at alarming rates up to 14 %. I borrowed a total of  XXXX  private loans while attending chiropractic school. I graduated   XXXX   XXXX   in  XXXX  of   XXXX   and over the course of the la st 7 1/2 yea rs my loan balance has INCREASED not at all decreased. I actually owe {$13000.00} MORE than what I borrowed at the end of   XXXX  . It has come to a point where my husband and I are struggling to make this payment as we have experienced a loss at our private practice due to the massive flooding that swept  XXXX  last  XXXX . Navient is no help. The call center representatives are not only rude and dismissive but undeniably unhelpful.
Product: Checking or savings account

On XX/XX/XXXX I XXXX XXXX XXXXXXXX XXXX '', {$1500.00} for a puppy, that was suppose to be delivered on XX/XX/XXXX. When the person did not show up with the dog, I tried contacting them, to find out they had blocked my phone number and my XXXX account, so I could not request the money back. Their XXXX is currently still active and they are still scamming other people, by pretending to be dog breeders. I went to my bank ( Citibank ) on XX/XX/XXXX to file a complaint. I also filed a police report and an XXXX report that same day. Citibank 's fraud department sent a letter a week later saying there was nothing they could do about the matter. Citibank refuses to comply with XXXX XXXX XXXXXXXX XXXX new policy that passed in XXXXXXXX XXXX  2023, saying that banks have a duty to reverse fraudulent transactions even from XXXX parties such as XXXX. I have contacted XXXX and they said, Citibank has the power to reverse the charge. Over XXXX banks use XXXX and Citibank is XXXX of them, which means, Citibank has an obligatory duty to reimburse scam victims, as long as the bank is notified within XXXX days of the transaction.
Product: Credit reporting or other personal consumer reports

When I checked my credit report I noticed some inquiries that I did not authorized, I have complained about some of them before and they were never removed, now I see that those same inquiries are still there and there is some new ones. I want ALL inquiries removed, I DID NOT AUTHORIZED THEM! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a dispute charge with my JP Morgan Chase Visa credit card for a reservation made with an outside US company ( XXXX XXXX  ). The charge {$340.00} for a reservation made incorrectly by the reservation company. 

I emailed XXXX XXXX within minutes asking for reservation cancellation, as the reservation they made for me did not meet my requirements. The company responded back saying they will not be returning my money, as their fee for cancellation is 100 %. This information had never been disclosed to me prior to making the reservation. 

JP Morgan Chase Visa card closed my dispute and did not credit me back for the charge. They failed to shield me against dishonest entities and their charging habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Product: Debt collection

It was brought to my Attention XXXX XXXX XXXX on XX/XX/2021 reported an alleged debt of {$350.00}. I asked for proper validation documents and they failed to provide them. Then continued to report the inaccurate information to consumer reporting agencies. After knowing the debt was unverified.
Product: Credit reporting or other personal consumer reports

Upon conducting a thorough investigation into my credit report, I uncovered several discrepancies that have significantly impacted my mental well-being. The discovery of unverifiable, invalidated, inaccurate, and questionable items has caused me severe distress. It is imperative to emphasize that your agency 's reporting must adhere to the standards set forth by the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is explicitly stated that all reported information must be entirely accurate. The presence of these accounts in violation of such statutes raises serious concerns regarding the integrity of my credit report. 

I have attached copies of all correspondence previously sent in an effort to address these issues. It is my expectation that your agency takes immediate action to rectify these inaccuracies and ensures that my credit report reflects only completely verified and accurate information, as mandated by law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Below is a sample letter you can use to file a complaint against XXXX, referencing the lawsuit that the Consumer Financial Protection Bureau ( CFPB ) filed against them. The lawsuit accused XXXX of deceptive practices regarding credit scores and other unfair practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Deceptive Practices and Credit Reporting Issues Dear XXXX Consumer Relations, I am writing to formally address my concerns about Experians practices and how they have negatively impacted me. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which alleges deceptive practices in marketing credit scores and other violations of consumer rights. Based on my experience, I believe my concerns align with some of the issues identified in that case. 

Specifically : XXXX. Inaccurate Credit Information : I have identified inaccuracies on my credit report that remain uncorrected despite multiple attempts to dispute them. These inaccuracies have caused significant harm to my creditworthiness. 
XXXX. Deceptive XXXX XXXX Representation : I believe that the credit scores provided through XXXX services are misleading and not representative of what lenders use in their decision-making process. This has led me to make financial decisions based on inaccurate information. 
XXXX. Unfair Business Practices : I have concerns regarding Experians subscription services, which I believe have been marketed in a misleading way, resulting in charges I did not explicitly authorize. 

These practices violate the Fair Credit Reporting Act ( FCRA ) and the principles outlined in the XXXX legal actions against XXXX. As a consumer, I am entitled to accurate credit reporting, transparency, and fair treatment under the law. 

I am requesting the following : A thorough investigation and correction of the inaccuracies on my credit report. 
A full explanation of how XXXX calculates and represents credit scores provided to consumers. 
A refund of any unauthorized charges related to subscription services. 

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. I am prepared to take additional legal steps to ensure my rights are protected. 

Please respond to this complaint in writing within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I got a call awhile back from this company stating they would file a law suit against me if I did n't pay. When I started to question them the lady became irritated and said forget it we will see you in court and hung up on me. This was several months ago ... .Now today they have calld my father, how they got his number, but left him a voicemail stating that they made several attempts to contact me and if i did n't comply they would take action. So, I called them and tried to get more information. The lady stated it was the attorney calling me trying to settle a debt and if i ca n't they will file a lawsuit. I asked the lady who the original debt was and said services credit union and it was for a credit card that I had with a XXXX dollar limit that I opened in XXXX of XXXX. I told her that I had never had this type of card that I have only ever had a XXXX XXXX and I am in regular contact with them. Then she asked if I ever went to college and I told her yes, she said Oh, I bet that was the card and asked me if I had a credit card in college and I told her no. She said yes ya did. I told her that I went to college in XX/XX/XXXXso even if I did this would not be because of this. She said you did have this card and you even made a payment of XXXX. I told her that I do n't work and was n't working full time back when she says this was opened and there was no way I would have ever been in a position to make that large of a payment with XXXX kids and my other bills. I asked them to not call my father again and she got mad and told me they would go to court and then I would be thrown in jail then she hung up on me. I had a friend call back to see if we could get the website and they refused to give that information and hung up on him.
Product: Credit card or prepaid card

I should be owed 7000 to 8000 points for my Chase Sapphire Preferred Anniversary Bonus. I had the card for over 1 year, and then I did a product change to a Chase Sapphire Reserve. 

However I was told that I was not eligible for the Anniversary Bonus because I no longer had the card during the benefit period. This is not listed in your Terms and Conditions as described here, on page 2 : https : //static.chasecdn.com/content/dam/card/rulesregulations/en/RPA0444_0477.pdf " To qualify for the 10 % anniversary points bonus each account anniversary year, your account must be open and not in default, as defined in your Cardmember Agreement, at the time of fulfillment. '' I fulfilled the requirements as stated. My credit account was not closed, not in default, and in good standing. 

I am a loyal customer and insulted that I am being nickeled and dimed over this. 

I advise you to update your terms and conditions if you want to continue screwing over customers like this. I am strongly considering moving all of my assets to different institution pending the action of this complaint. 

Thanks, XXXX XXXX