23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As the Executor of my deceased husbands ' estate, since XXXX XXXX I have requested a deed-in-lieu to close out the estate. I have provided all of the documents within my possession to the mortgage company. Around XXXX thru XXXX, I was informed there is a lien on the property from XXXX. However, during that same time period, I was informed everything was okay but case had not been assigned to anyone for resolution. In XXXX or XXXX XXXX I was informed the lien from XXXX is preventing the deed-in-lieu process from proceeding and I have to provide documentation the lien has been resolved. When my husband purchased the property XXXX XXXX, XXXX he had a clean title. The clean title should have been submitted to the new mortgage company from the old mortgage company when the loan was purchased. The mortgage is in my husbands ' name only, but the property is titled in both our names.
Product: Debt collection

This company XXXX Midland Credit Management XXXX has been calling me repeatedly, every single day, several times a day, from all different phone numbers. They call me early in the morning, all day long, to late at night. They call me all weekend long and on sundays. They are harassing me to pay this bill I owe. 
About XXXX months ago I took a call from XXXX of the representatives and I told him that at XXXX time I had a career and I made good money. But that I had gotten really really sick. I used XXXX, I got fired from my employer, that I was on XXXX and prednisone and that I couldnt work anymore. I told him this and that I would pay the XXXX XXXX dollars as soon as possible but I cant pay it right now. 
He said he was making a note of my situation but he had no obligation to stop the calls and that I would continue to be harassed daily until I paid. The calls have gotten worse. XXXX going to attach a screenshot of all the calls circled in red. They leave voicemails and my voicemail fills up. Ive been waiting on XXXX medical referrals to go through and doctors offices to call me and every time I pick up the phone its mcm calling from a different number. They call from random cities around Oklahoma and they call from XXXX numbers.
Product: Student loan

Applied for IDR plan by submitting application and income verification information on XX/XX/2023. Application was received by Navient on XX/XX/2023 but I have received no information on the status of this application or IDR plan request. 

Contacted Navient ( my loan servicer ) and was told this process typically takes two weeks. After I advised them that application has been sitting for nearly 6 weeks they told me they may give me an update on my application status on or about XX/XX/2023. During this time, accruing interest and, I believe my loans may be completely forgiven due to the fact that I've been repaying the loans consistently for over 20 years.
Product: Debt collection

This company Hauge association Inc. is saying I owe a debt of {$1600.00} that is not mine I have never been notified by mail with the proof this Is my debt
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This is regarding Amex XXXX card FHR annual {$200.00} credit. 

I made a few reservations and cancelled them, and the {$200.00} credit got messed up. Amex ended up overcharging me and never refunded me after multiple communications. 

Amex charged me {$340.00} on XX/XX/XXXX, not related to any reservation, that made no sense to me. 

I have uploaded year XXXX XXXX FHR transactions for Amex to investigate.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible
Product: Payday loan, title loan, personal loan, or advance loan

I apply for a loan. And I got less than what I apply for because they so told me that the previous loan they attached to it and added it up with the current amount. And told me that even though I apply for a certain amount. It goes against what was already old. However, I still have to pay the full amount on which I apply for and I think that that is wrong. If I didn't get that full amount. I shouldn't be having to pay for something that I did not receive. And they're making me pay an extended amount of money when I didn't get all of the money in which I pay for they're taking it off of a total that was already pre-existing and I think that that's wrong not a fact I know that that's wrong. Cause I should not owe one man financial as much money as I owe tXXXX  because I did not get that in en cash. They took off what I was able to get in there. Mine in their words and what I was able to get for the loan in other words. They said I was able to get {$13000.00} when it was all said and done. They added that they added it towards and took away from what I already had on my account there. 
And I don't think that that was right. In {$13000.00} it's not what I got nowhere near think. I borrow light probably in a sum of I want to say it was like XXXX or {$6000.00} saying I'll own {$13000.00}. From the collateral of my vehicle was put up, but they never gave me that much in cash. The first or the second time, it's left me owing a lot of money to you all. And I think that's unfair. And that loan will never be paid off. They got me owing a 120 %, that makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

HEY, I sent multiple letters asking XXXX, XXXX, and Equifax. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681iXXXX XXXX, XXXX XXXX and Equifax have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and XXXX 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction within the exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file 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

DELETE AND REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason a few months ago and will not help me with getting it back up. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently to both buy and sell using a site called XXXX. I know quite a lot of other people who have used this site have also been flagged down by PayPal. My paypal email is XXXX. This has severely affected me as I have to completely switch up how I XXXX XXXX XXXX and I'm still even trying to figure it out. If I could recieve any help that would be greatly appreciated!
Product: Credit card or prepaid card

I filed a dispute for a payment I did through PayPal for an item that never showed up in the delivery timeframe it was supposed to be delivered. I contacted the merchant and informed them of the case because they refused to initiate a refund after making it clear I no longer wanted the item and informed them that it would be marked " returned to sender '' if it was finally delivered after being stuck in limbo for over a month. PayPal gave me a resolution date of XX/XX/XXXX and I provided them with all the information requested about the transaction. Once the resolution date got closer, PayPal extended the date again and moved it to XXXX despite being told that the case was ruled in my favor and received confirmation that the merchant received the item back. Despite that, PayPal continues to give me no answer and keep telling me to check my emails for a follow up even though they have confirmed that the case was in my favor. I've repeatedly expressed that waiting any longer was not acceptable and that I just wanted my money back after confirming the merchant received the item back.
Product: Credit reporting or other personal consumer reports

I sent out a certified letter requesting for Experian, XXXX to verify and update information or to delete, I requested verification of the accounts in question including Name and address of creditor, date accounts were actually opened, actual dates accounts were closed, actual date of last payment, the balance owed when account was closed and last balance, any and all original documents and agreements signed by me related the XXXX XXXX accounts in question. 

If 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 cosumer, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Checking or savings account

Once again bank of America has today allowed a transaction from a company that I have never had any dealings with. After being on hold for 35min going from person to person I was told that the dept I needed was closed and to call back. I am furious that they have again charged my account this amount of XXXX. They have not contacted me by phone or mail or email to give me the results of the supposedly investigation. I am sufferring mentally and physically due to the bank ASSUMING that I owe these people. I WANT MY MONEY BACK IN MY ACCT. I have done nothing wrong and I am NOW seeking an attorney because I can't work or sleep and I am extremely stressed and this is causing me health issues. I need this tp be fixed.
Product: Credit card or prepaid card

I just need one question answered ... that Wells Fargo is refusing to do. 

You told me that XXXX XXXX XXXX you with a delivery receipt, that I said I did not sign. You had me sent over a copy of my signature to verify the signature was not mine. It was verified not to be my signature, but you took it anyhow and threw a long standing customer under the bus. 

Why? Answer the question for once. Don't babble about fraud and hire an attorney ... you chose to accept a signature that was verified by Wells Fargo not to be mine. 
There was no thorough investigation done.
Product: Debt collection

This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 XXXX sent a letter regarding inaccurate and unknown things on my credit report. On this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equilax data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get in touch with experian for along time prob a couple years. there is some kind of security freeze or something on my account and i can not be verified. I dont understand and they dont have anyone to talk to. I have tried every number they have and never get a person. It is so frustrating that they are allowed to report stuff about me and not let me have access to it. If they should be allowed to stay in buisness they should answer the phone.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a credit dispute letter to TransUnion of my own free will ( the letter was mailed out on XX/XX/2022, and received by them on XX/XX/2022 ) ; However, the automated system believes that I am using a third party and that I did not send in the reports myself even though no third party company was mentioned in the letter or used to send the letter out and it was hand-signed by me. Instead of trying to verify who sent the letter TransUnion took it upon themselves to disregard my credit dispute and send me a letter implying that I am lying about using a company ( the letter was received by me on XX/XX/2022 ) and that I needed to state the company that I am using. I'M NOT USING A CREDIT COMPANY!!! I spoke to a rep from TransUnion on XX/XX/2022, and he stated that they can not verify me over the phone and that I needed to resend the same letter with and send a cover page for it with my personal information that is stated ON THE FRONT OF THE LETTER they already received. TransUnion is prolonging this dispute process which is harming my credit even more. The letter that I attached to this complaint does not have a signature because it was typed on the computer however the letter they have was printed and signed by me and they have it scanned in my file to prove so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX report my car as repo when it was paid off in full and I have the payoff letter and paid off I was never late proof : Experian is reporting Account was in dispute- now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. This is not true and I have written proof. XXXX XXXX XXXX removed this information but Experian will not. 

Date Last Active : XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I requested to close my account with XXXX ( which had just been bought by XXXX ). They agreed to close the account and in XXXX the following month I paid our last bill. I had heard nothing more regarding this until yesterday I was notified of a collection account added to my credit reports which negatively impacted my credit in a large way. 

Today XX/XX/XXXX I reached out to XXXX through the customer service line and talked to a rep and a manager for 2hrs. Claiming that they reported over {$700.00} to the credit bureaus for non payment. Stating that they had not a single transaction in their system of any payments made on my account for the entirety of my service with them ( almost two years ). 

I then began to dig into my bank history and retrieved each payment transactions to XXXX ( now XXXX ) up to the final bill after I cancelled service. They refused to acknowledge those transactions stating that they needed the confirmation numbers provided by them for the payments in order to retrieve any lost payment history that " was no longer in their system ''. The call ended in the manager telling me without those confirmation numbers she can do nothing for me. 

I then took to XXXX to try and find any source to reach out to at XXXX. I found the media teams phone number at headquarters and called. A woman by the name of XXXX answered and said she could take a message of my concern and pass it along to the team but wasn't sure if they'd even get back to me. She also said " otherwise I'll just transfer you back over to customer service line ''. 

I do not owe this debt, and I switched companies for Internet for countless issues with service and being wrongfully overcharged. But when I closed my account I didn't owe anything. It is wrong for this company to do this, and it's worse that the customer service members are not only in another country and give no care to help you, but that there are no other avenues to assist you.
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Vehicle loan or lease

Was charged interest when it was XXXX percent interest, payed off with no late payments.