23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my XXXX XXXX account I have an outstanding debt with the State of Wisconsin Public Defenders Office. I did not receive notice from State Collection Service Inc. I'm time to dispute.The roomate I just kicked ouerdsyt had the letter in his room for some reason. I found it yesterday. For one : I never received the required payment envelopes except on one occasion. Made a partial payment, never received notice of balance due. I forgot about the obligation cause I XXXX XXXX XXXX XXXX. According to them there was 5 lawyers assigned to me. I can find only 4 in my court records. In one case I had 2, which I was unaware of, did not request two, and there was no need for one. They were worthless. They failed to provide defense for a misuse of justice. Were I'll prepared and could provide no argument for the judge. Another lawyer I was assigned, I was unaware of. It was for a XXXX - breaking a window. I would never request a lawyer for that. I didn't need or use their help. Just made my plea and accepted my fine. Around {$55.00}? Not worth having a lawyer. So, I dispute these charges because they are false, forced on me, failed to perform their job, excessive to have 2 lawyers - which was done without my permission.
Product: Student loan

Please see the open complaint XXXX which has not received an adequate response and for which the last update occurred on XXXX requesting more time to address the situation. 

Short recapitulation : XXXX. Consolidated federal loans XXXX XXXX XXXX. Applied for XXXX XXXX. XXXX put on hold, with promise of a 0 % interest forbearance with no payments due XXXX. Mohela sends me a letter XXXX reporting that my 0 %, XXXX payment forbearance has begun, in keeping with federal guidelines XXXX. Mohela than continues to attempt to bill me intermittently for my loans, and continues to add interest to my account XXXX. I submit a complaint on XX/XX/XXXX with no adequate response as yet Prior to my complaint I also spoke on the phone with Mohela representatives on various occasions without success thus far.
Product: Student loan

Ive have tried calling Navient over the past year to work out a solution and I am only ever given the option to pay {$50.00} once and then back to the regular monthly payment which is over {$350.00}. I owe about {$29000.00} and my interest rate is extremely high, at 13.5 %. I have repeatedly asked to have a lower interest rate and monthly payment. Navient asks me the same question each time I call and give me no other options no matter how far my account goes past due. They refuse to offer any reasonable, long term solutions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I was fraudulently scammed by a supposed landlord who use a fake name for me to transfer on zelle. More than {$1200.00} dollars lost. I called and I got no help whatsoever. Zelle is at fault for letting scammer use fake identities and not being able to cancel a transaction or refund.
Product: Credit reporting or other personal consumer reports

I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX XXXX violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I earned to check payments from the cafe I work. My boss forgot to include one letter of my last name on my check and when I deposit it CITIBANK blocked all my accounts. I have rent to pay I have bills to pay but CITIBANK is not any bit of help. There is always a problem with verification or god knows what, the representitives are rude and not helpful also. Once I was tring to tranfer my school payment but there was a problem according to the representitive on the phone I had to call my bank from the number that was in the records which I was doing for about 6 times!!!!!!!!! When I called the bank they said that I should send the money with XXXX, the amount was {$15000.00}!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Equifax and XXXX, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you
Product: Credit card or prepaid card

There was 6 unauthorized purchases on XX/XX/XXXX in 2 XXXX XXXX in XXXX and XXXX Arkansas. My card was not present and I never authorized any purchases at your stores. I dont even understand how a purchase is made at a gas station without a card present. 
1 : {$140.00} XXXX XXXX at XXXXXXXX XXXX  in XXXX arkansas unauthorized purchase 2 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase 3 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase 4 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX Arkansas unauthorized purchase 5 : {$140.00} XXXX XXXX at XXXX XXXX in XXXX Arkansas unauthorized purchase 6 : {$140.00} XXXX XXXX at XXXXXXXX XXXX in XXXX arkansas unauthorized purchase These are all fraudulent charges being made at XXXX  without my card being present. 

Cash app says my card was not present and yet XXXX says my card was swiped. Cash app is refusing to refund the fraudulent charges. I tried stopping these charges while they was pending and cash app said I couldnt I had to wait for them to pay before they could do anything and now they say I approved them.I did not approve any of these charges. I dont even live in arkansas XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

My mortgage company has been insisting that I 've been past due on my mortgage payments since they took my loan over from previous loan holder ( XXXX XXXX ). I have sent them proof of payments XXXX now and they still will not resolve the issue in their system. The problem is a miscommunication between them and the old mortgage company they took the loan from. My credit report is showing 90 days past due within the last 12 months, which is preventing me from refinancing my home ( which is what i 'm currently trying to do ) and also I can not receive my overpaid escrow money from 2014, and also it is loweriing my credit score every month. This is very frustrating and every time I call Nationstar mortgage ( once a week ) i get no help, no update, and feel like I 'm starting over every time I call. I have a " dedicated loan specialist '' whom is never available and does n't ever return my voicemails. You guys are my last hope to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX XXXX  XXXX, - XXXX XXXX XXXX XXXX, - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, - XXXX XXXXXXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

J.P.Morgan Chase removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX. XXXX deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, unemployment transferred my funds to XXXX XXXX, the issuer of the cash app card, they sent it to an old account that I no longer have the login information to, I ask them to send it to my current account I sent them the trace letter that unemployment sent me that states where the funds are the account number and the amount I gave them my current cashapp info and they still refuse to see my money please email me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX account number credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/2023 and this is incorrect. Account has never been late per company and said the account will be updated as paid as agreed w/no late payments. Company stated their system was posting incorrectly in XXXX and XX/XX/2023. 

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.
Product: Credit card or prepaid card

I have attached a copy of letter received on or about XX/XX/XXXX regarding this dispute. I called company on XX/XX/XXXX and requested that they not make the change request referenced in the letter. The representative stated another representative would call me back on XX/XX/XXXX to accomplish this. I called today on XX/XX/XXXX and had a live chat that I have attached a copy of. When the manager attempted to call me back the number was flagged by my phone as spam and sent to my voice mail. When I called the number in the voice mail message I was sent back to regular customer service.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and you have a FTC Affidavit that I submitted to the Credit Bureau but they refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide you with proof. i have no knowledge of the following accounts : XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX  Acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX  acct # XXXX ; XXXX and the following inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account/ XXXX XXXX acct # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  ( credit union XXXX acct # XXXXz 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 2it 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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: Bank account or service

Thank you for submitting an Online Consumer Complaint. A representative from the Consumer Services Office may contact youto follow up. 

Here is a copy of the information you provided. Please save for your records. 

Please do not reply to this email. 



Name : XXXX XXXXAddress : XXXX, PA XXXXHome Phone : Day Phone : XXXX Ext : Email Address : XXXXXXXXXXXX Name : wells fargoAccount/Loan # : XXXXInstitution Address:XXXX XXXX XXXX XXXX. 
XXXX, pa. XXXXReason for Contact : On XXXX XXXX 2015 th I authorized my credit card ( XXXX XXXX ) to debit my account on XXXX XXXX XXXX for XXXX. on sat XXXX XXXX 2015 my credit card credited my card with the XXXX payment as if it was received. on monday XXXX XXXX XXXX 2015 wells fargo removed the XXXX from my account. later that day. i overdrew my account. using overdraft protection. yet they ( wells fargo ) still charged me XXXX XXXX overdraft fees. i politely asked them to be fair and human and just charge me XXXX. however the refused. I know its inhumane however im uncertain whether they violated any laws. also when i contacted them a representative tried to tell me my credit card company credited my account but they didnt actually take the funds until later. any event the funds were removed. prior to me overdrawing. 

Signature : XXXXDate : XXXX/XXXX/2015Name of Attached File:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have reported that I did not open this account and that I dont even have the bank account that was making those payments. My entire bank account was compromised as well and I have an entire new bank. I had just checked my credit score to get my first apartment which is where I saw this on my credit report. They claim because payments were made that they were me but those payments were never even consistent when I looked into it. I am always consistent with payments which is what I tried explaining to them.
Product: Credit card

There were several items that were never dlivered form XXXX so a series if cgarge backs intitiated. As US Bank is the lease customer advocate organization in the world, i recall that they didnt follow the procedure nor process for follwing the law and submitting my chargeback. 
I reccomended we close the card out so it couldnt be shared amoingst other parties. I assumed that they would send me my new card out. However when It didnt show for 2 weeks, I got concerned. I called them and US Bank said a new card wasnt issued. They lied and said it was because i didnt want one. That is a complete lie, fabrication, and a shocking statement for a bank employee to make. You would think once it was identified that there was an issuem, which was the fault of the bank, they would reissue the card, They havent and I want a new card.
Product: Checking or savings account

An unauthorized withdrawal at a Citi bank teller ( in the amount of {$25000.00} ) took place on XX/XX/22. This was a fraudulent withdrawal and overdrew the account. I first noticed this activity on the evening of XX/XX/22 when i went to withdraw money from my account. I notified Citi as soon as i noticed the fraudulent withdrawal. I was provided with a case # and was told i would be contacted within 24-48 hours. No one contacted me regarding the incident by Wednesday XX/XX/22, so i called back to inquire about the status of the withdrawal and was told that the case was still being investigated and there was nothing further to share. I then called back on Friday XX/XX/22 and after escalating to a manager twice, i was given a new case # as the representative said the original case did not adequately flag the transaction as fraudulent. I was not given any further details regarding the withdrawal and I was informed that it could take 30-90 days to resolve my case. Citi then sent me an indemnification request to indemnify them of any further fraudulent activity on the account, which i did not sign. I called Citi again on Sunday XX/XX/22 to inquire on the status of my case and was told i would receive a call back ( which never happened ). I called back on Monday XX/XX/22 and it took over 1 hour to speak with someone regarding my case. After speaking with them, they created yet another case number and i was told again that it would take 30-90 days to resolve this. At no point has Citi ever provided me details of where the withdrawal took place or any other details so i could inform local authorities of the fraudulent transaction. Citi has never called me back regarding this dispute.
Product: Credit card or prepaid card

Problem with Citi Price Rewind program redemption. Bought a TV at XXXX ( {$240.00} ) and found that the price had dropped {$100.00} the next day and local stores quickly sold out. Citi 's " price rewind '' program supposedly offers to reimburse the difference in price when a price drop occurs. I submitted the required materials for the claim, including my purchase receipt and a screenshot of the lower advertised price with the TV in-stock at another store. Citi rep says claim was denied because they could not verify the advertised price over the phone with an store associate. The did not even get a name of the person from the store. 

The submitted screenshot of the lower advertised price was valid and the XXXX associate most likely did not know and/or gave bad info. There is no mention in the T & C 's of this program that a valid advertisement for a lower price needed to be confirmed by a ( nameless ) hourly store associate. 

I have read similar complaints for this card benefit offered though Citibank and wanted to add my story to warn others.
Product: Debt collection

Repeated phone calls and would not remove my number after I asked them to only contact me by mail.