23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I ordered a product that popped up on an internet search. I immediately realized that this was a fraudulent site and purchase and notified PayPal via telephone. A dispute was opened and when I logged in I uploaded docuemnts to prove the fraud. They investigated it and on XX/XX/2021 Synchrony Bank sent a letter advising that the research indicated I purchased the item and received it. I DID NOT. THe tracking number on the POst Office reciept shows it was delivered to XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX. The item a XXXX XXXX can not fit in a mailbox and weighs approximately XXXX or XXXX lbs. The box the one I purchased from XXXX XXXX for {$110.00} was in a box XXXX '' XXXX '' XXXX '' ... no way it went in a mailbox. Pay Pal did nto review the documents I sent and charged me the {$69.00} for a product I never received from a compnay that is perpetrating major mail fraud!!!! Because they lost their money to this crook they are making me pay. They do not adequately vet or research their vendors obviously.
Product: Debt collection

I am disputing the collection account with AMEX, account number XXXX, dated XXXX XXXX with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AMEX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

I went to branch report a problem. Multiple accounts opened in my name my money was divided in to two accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Customer Service XXXX XXXX Subject : Dispute of Fraudulent Account - XXXX XXXX - Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name. The account number provided to me is XXXX with an outstanding amount of {$490.00}. This account was created without my knowledge or consent and is the result of identity theft, which occurred while I was XXXX. Prior to my XXXX, several sensitive documents were stolen from me, including my Drivers License, Passport, wallet, and a storage case containing other sensitive documents. This incident is detailed in the attached police report. I have also attached my XXXX XXXX, which confirm my whereabouts during the time the fraudulent account was created. I returned from XXXX in XXXX of this year. Given these circumstances, I request that XXXX XXXX  take the following actions : 1. Immediately close the fraudulent account number XXXX and remove any charges associated with it. 2. Conduct a thorough investigation to ensure there are no other fraudulent accounts or transactions associated with my name. 3. Provide written confirmation that the account has been closed and the fraudulent charges have been removed from my credit report. Please consider this letter, the attached police report, and my XXXX XXXX as part of my formal dispute. I appreciate your prompt attention to this matter and expect to receive a resolution within the 30-day period as specified by the Fair Credit Reporting Act ( FCRA ). Should you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your immediate attention to this serious issue. Sincerely, XXXX XXXX Attachments : * Police Report * XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did a bill payment from Chase Bank to XXXX bank in which my credit card number was incomplete still the transaction was done. After I realized my mistake, I contacted both of the banks and claimed a dispute from Chase Bank which was unsuccessful. I tried contacting XXXX and XXXX bank XXXX XXXX and XXXX said that as the account number I entered doesn't exist they can't do anything even after providing a proof of payment and Chase bank said that as the XXXX has already received the payment, they can't do anything either. I have been calling both banks multiple time still their response is same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for XXXX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 Year Term Ended ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against Jefferson Capital Systems regarding their improper repossession and mishandling of a debt collection matter involving my vehicle. The following is a detailed account of the situation : Original Loan Details : In XXXX, I obtained a title loan from XXXX XXXX XXXX When I defaulted on the loan, I requested that XXXX XXXX XXXX repossess the vehicle. They declined my request and retained their status as the lienholder on my Florida vehicle title. 

Transfer of Debt : XXXX XXXX XXXX  subsequently sold the debt to Jefferson Capital Systems, a debt collection agency. Despite the transfer of the debt, Jefferson Capital Systems is not listed as the lienholder on my Florida vehicle title. 

Improper Repossession : On XX/XX/XXXX, Jefferson Capital Systems repossessed my vehicle without prior communication or notification of their intent to repossess. They also provided false information to local law enforcement, claiming to be the lienholder, which is not reflected in the official records. 

Lack of Notification : On XX/XX/XXXX, I received a letter from Jefferson Capital Systems dated XX/XX/XXXX ( Account # XXXX ) stating that they intend to sell the repossessed vehicle by XX/XX/XXXX, XXXX date that had already passed. This letter is the only correspondence I have ever received from Jefferson Capital Systems regarding the matter. 

Validation of Debt : Jefferson Capital Systems has not provided any documentation validating the loan information or their authority to repossess and sell the vehicle. This lack of transparency and communication has caused significant distress and confusion. 

Violation of Consumer Rights : Jefferson Capital Systems actions appear to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Failing to provide proper notice of repossession. 

Failing to validate the debt upon request. 

Misrepresentation of their status as the lienholder to law enforcement. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Jefferson Capital Systems. Additionally, I request the following remedies : Immediate cessation of any attempts to sell my vehicle until the matter is resolved. 

Proper validation of the debt, including all supporting documentation. 

Confirmation of the rightful lienholder on my vehicle title. 

Compensation for any damages resulting from their improper actions. 

Thank you for your attention to this matter, if further information is needed.
Product: Checking or savings account

Fifth Third ( 53 ) Bank solicited for XXXX ( XXXXXXXX XXXX XXXX ) account by sending a mailer to my home. I opened the account and initiated a XXXX transfer on the Fifth Third ( 53 ) Bank website. 

Fifth Third made verification deposits into the my account at XXXX, I verified deposits on the Fifth Third website. Fifth Third pulled funds from XXXX. 

Fifth Third decided to close my account citing that i can not transfer funds from business account into XXXX XXXX XXXX XXXX XXXX  ) account and promised to return my funds with in 2-3 at their Branch on XXXX XXXX XXXX 

I have been trying to trace my money since XX/XX/XXXX and Fifth Third ( 53 ) Bank has not returned my money. Fifth Third ( 53 ) Bank customer service has treated my requests with vague responses without any concrete steps.
Product: Credit card

Because of the lack of service from Chase Sapphire we decided to close the card. In late XXXX to early XXXX, l notified tem that their lack of service was unacceptable and that we would like our XXXX dollars reimbursed. We did not receive a response. I spoke to a XXXX XXXX XXXX on XX/XX/XXXX who informed me that the XXXX dollars would be reimbursed in 30 days. Today when l called Saphire and l was informed that it would not be reimbursed because it was past 40 days. 

We would like the XXXX dollars reimbursed as they are ineffective and careless with professional customer service. They have only caused pain and suffering for the last 3 months.
Product: Student loan

Thank you for taking the time to help people navigate through the Public Service Loan Forgiveness ( PSLF ) program with FedLoan Servicing. I find myself in a unique situation with my loans. I have been working with non-profitsover the last ten years with two of those years working as an XXXX XXXX. 

Here is my situation : I was trying to use my XXXX XXXX XXXX XXXX to pay down my XXXX XXXX XXXX XXXX monthly payments and stay current on my account. The problemthat I was having was that my payment was not arriving on time and defaulting on my PSLF payments because it took too long to transfer over. I asked several times if there was a way for me to set up an automatic withdrawalfrom my XXXX XXXX XXXX Award. I was told that this could not be done. My solution was to pay multiple months at a time. As a result, I found out that a year of my payments did not count for the following months : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 4 months ), XXXX XXXX, XX/XX/XXXX. 

I have had a number of reviews on my account to try to get this fixed but, it always comes back negative. I spoke to an ombudsmanat FedLoan Servicing and they told me that my request was also denied. Years later I found out that they could take automatic payments from an XXXX account. 

It doesn't seem right to me that paying ahead on my account to satisfy timely payments should be counted against me. Especially, because the transfer payment was out of my control and between two slow moving bureaucratic governmentagencies.I feel like I have been duped andI am not sure how to proceed. Do you have any advice?

I am currently at 103 qualified payments and having an extra year worth of payments returned would really change my life. I have also attached my notes to give you a paper-trail of my experience.
Product: Debt collection

Jefferson Capital Systems LLC Account # XXXX ( Dept # XXXX, XXXX XXXX XXXX, XXXX, Al XXXX, XXXX ) claims via letter ( s ) that I have an outstanding debt with XXXX XXXX {$40.00}. I contacted XXXX XXXX to verify and was informed that no such record exists. I have a current policy with XXXX XXXX and have used their service for years.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found inaccurate information regarding my Navy Federal Credit Union ( NFCU ) account. Specifically, late payment entries have been reported that do not align with my actual payment history. 

This account is active and in good standing, and I am not requesting its deletion. I am only disputing the erroneous late payment entries. My payment records confirm that this account has consistently been paid on time without any missed payments. I respectfully ask for a correction of this inaccuracy. 

The details of the account are as follows : Account Name & Number : Navy Federal Credit Union - Account # XXXX / XXXX / XXXX Issue : Reported late payments on this account are incorrect.
Product: Debt collection

I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$510.00} with an open date of XX/XX/2019 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the unknown inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XXXX XXXX 2020 XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, and XXXX XXXX  Account # 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 a account without my written instructions
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is distressing to know that you have included incomplete and erroneous details in my credit report, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports that you publish. The 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. However, it appears that you have failed to adhere to these laws, and have continued to report inaccurate information. I demand that you immediately investigate the following information, and provide me with proof of the alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX. The listed items are completely inaccurate and incomplete, and are a very serious error in reporting. It is unacceptable that you have continued to report such misleading information, despite being informed of these errors by other credit bureaus.
Product: Mortgage

I secured applicable Flood Insurance on a yearly basis at a cost of {$1500.00} through XXXX XXXX while my mortgage was with XXXX XXXX XXXX XXXX XXXX. 

XXXX subsequently sold my mortgage to XXXX XXXX XXXX XXXX XXXX, XXXX. Neither companies updated the XXXX XXXX XXXX with the new mortgage company information. The XXXX XXXX sent the flood insurance renewal notices to XXXX which remained unpaid resulting in the policy expiration. 

When I called XXXX XXXX to get a new flood policy, I was told that new policies would be subject to rate changes and that what would have costed {$1500.00} will now cost {$7500.00} for the same coverage. 

The mortgage company had a duty to provide notice of mortgagee changes to the insurance company. Their failure to do so resulted in the expiration of a flood policy that had substantial rating discounts while the new policies do not. Their failure to update the insurance XXXX when they sold my mortgage is costing me {$6000.00} more in insurance a year.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by Early Warning Services regarding XXXX XXXX Account XXXX XXXX, which has been included in my consumer report. 

On XX/XX/XXXX, I submitted a letter to Early Warning Services, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from Early Warning Services stating that I had previously disputed this record under EWS Case # XXXX on XX/XX/XXXX, and XX/XX/XXXX XXXX, and that the dispute had been forwarded to XXXX XXXX XXXX XXXX for reinvestigation. According to your response, Early Warning Services notified me of the results of this reinvestigation in XX/XX/XXXX. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how Early Warning Services determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to XXXX XXXX  XXXX XXXX on XX/XX/XXXX, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if Early Warning Services and XXXX XXXX  XXXX XXXX do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. Early Warning Services allowed negative information to be reported without providing this validation. 

Failure to Validate Debt : XXXX XXXX XXXX XXXX failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim XXXX XXXX I am requesting all the listed items be removed and blocked from my report pursuant to 605c.
Product: Checking or savings account

I opened a new checking account on XX/XX/XXXX with Axos bank. I completed all application papers and submitted the required ID verification. On XX/XX/XXXX, I deposited {$1500.00} into the account. On XX/XX/XXXX, I received a message that my bank account would be frozen on XX/XX/XXXX if a W9 was not submitted. I immediately submitted a signed W9, but my account was frozen anyway that same day XX/XX/XXXX, and not the date in the message, which was XX/XX/XXXX. When I asked about the early freezing of the account, they confirmed it was due to identity verification and requested my ID again on XX/XX/XXXX. I submitted my driver ID information once again, have have heard nothing back from them. Contacting customer service gives a generic they will " get back to me within 1-2 business days '' answer. It is now XX/XX/XXXX and I still do not have access to my {$1500.00} and have not had any further communication from the bank.
Product: Debt collection

I had a home warranty through XXXX XXXX XXXX ( XXXX  ) contract # XXXX with coverage for HVAC breakdown. During a heat wave this Summer, I opened a ticket for broken AC. XXXX approved the ticket ( covered item ) and sent a XXXX. The XXXX would not fix the issue because he said he was new and did not know how to fix the problem. I called XXXX several times waiting on long holds. The rep did not speak XXXX well and kept reading scripts, but not listening to my complaint. I wanted another XXXX to be sent out to fix our AC ( our family had to sleep at our neighbors house due to 95 degrees in our apartment ). I called back a few more times, getting different reps that also did the same thing, no help. I finally called a local XXXX company and they came out and fixed it the same day - I had to pay a hefty charge. I called again to XXXX  to ask for reimbursement, was given a " supervisor '' who said my claim was closed and I owed them the {$75.00} deductible for the contractor coming out. I refused to pay it since their contractor said he didn't know how to fix it and they wouldn't send another contractor. The supervisor said they would send me for collection if I didn't pay them. I told them to cancel the warranty altogether, which also was refused. I stopped the auto pay from my checking account the next day. I do not owe them - they have very DECEPTIVE ABUSIVE PRACTICES to avoid paying a claim, and not providing me any options to resolve the issue.