23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity Bank credit card, On XX/XX/XXXX, an on time payment of XXXX was made and MY Error paid again on XX/XX/XXXX ... .Tried to have my card credited for XXXX but my calls and e-mails were ignored. 
. 
On XX/XX/11 Comenity charged my card XXXX again They're XXXX, so now there were XXXX charges that would need to be reversed!.. 
I spoke to a XXXX 's supervisor ( Comenity ) is linked with XXXX 's, who told me they were having many problems with them, and XXXX XXXX would soon be replacing them and I would soon receive a XXXX XXXXXXXX credit card, replacing Comenity bank 's, credit card.. 
I was given a XXXX XXXX phone number to try to resolve this problem This was accomplished. I have received the XXXX credits due me. 

To my surprise Comenity has once again included this XXXX in my balance! 
I have returned the current statement backing out this XXXX a late charge of XXXX and XXXX, XXXX interest charges for a total of XXXX I sent their recent statement indicating my balance was XXXX. 
I will not be using this card in the future, and await the XXXX XXXX replacement card... 
No further charges to this credit card will be made.
Product: Money transfer, virtual currency, or money service

My phone was stolen while out of the country and my digital wallet was hacked. My cash app name was changed and Cash app is refusing to refund the unauthorized transactions that took place while my phone was stolen. The device was never recovered & they are trying to say that I authorized all transactions. I have documentation of over 20 incoming and outgoing messages & phone calls to an international bank from the stolen device.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : -XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit card

I applied for CapitalOne QuickSilver credit card and I was browsing using this link XXXX XXXX XXXX The card is advertised as : Earn unlimited XXXX  % cash back on every purchase, every day. Plus, a {$200.00} Cash Bonus. 
New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within XXXX  months from account opening. 

The card arrives but I did not see any information regarding the {$200.00} bonus mentioned. I called and spoke to a CSR who informed me that is a different " level '' of card ( even though the card I have and the card on the webpage looks exactly the same ) and wasn't able to help. 

The call got escalated to a supervisor who informed me that the card is for " excellent credit only ) Even though in my Capital One portal it says that my credit is " excellent ''. '' I informed them that if I didn't qualify, they should've mentioned it during the application process and not wait until the card is approved before telling me that. They couldn't escalate any further and refused to help. 

I attached a picture of my card as well as my credit " level '' in the CapitalOne portal
Product: Debt collection

Good Morning- I have left numerous of messages at the XXXX XXXX XXXX XXXX no return call back. 

Per XXXX central billing ONLY the actual Management office can fix this error. 

I originally made a payment on this account to avoid collections, when I received the email of confirmation I called immediately and advised this was not my XXXX XXXX. 
I also let them know I will not make the final payment until this is corrected from XXXX XXXX XXXX - to the correct XXXX XXXX XXXX - - - To be sure I am not paying the wrong acct. 
This is to avoid any issue later saying XXXX XXXX XXXX was never paid. 
A representative told me this would be corrected immediately and nothing further is needed from me. 

Then a few months later someone from Central Billing called and requested payment - again on XXXX XXXX XXXX I again explained this is not my XXXX and I would not make a payment until corrected. 

Now I am being sent to collections for this not being corrected and they are saying it can not be corrected unless Billing corrects it, then Billing is saying nothing can be corrected until the office Manager at XXXX XXXX XXXX. corrects it. 
I have been calling and no one ever answers the phone or returns my voicemails from the Management Office at XXXX. 

I have filed a complaint with the Better Business Bureau because I feel this is being unfairly reported on my CREDIT. I have done everything possible to get this paid but no one is accepting THEIR error. 
This is negligent and irresponsible of the XXXX XXXX and the XXXX XXXX XXXX. 

Someone please call me to correct this as soon as possible.
Product: Credit reporting

On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all XXXX credit report agencies. It was indicated that it would take fifteen ( XXXX ) days to receive my reports. As of today, I have not received any reports or corresondence.
Product: Debt collection

Professional & Business Collections Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX have taken me to court in Indiana, for XXXX XXXX on XX/XX/XXXX originally filed XX/XX/XXXX and dismissed several times by Indiana for a wage garnishment for an illegally obtained medical bill which is a violation of HIPAA rights. They have never reached out to me providing me any signed documentation that I owe them. When I went to the original court appearance they tried to get me to sign legal documentations listing incorrect dates with no explanation ; stating that I would pay them. I refused and asked to go before the judge. which seemed to annoy them. They are conducting illegal business practices that I would like to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP Experian You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. XXXX has an Ok. XXXX  is not reporting anything incomplete XXXX  you are reporting a ok late XX/XX/XXXX XXXX you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC XXXX
Product: Debt collection

On XX/XX/2019, I spoke with a representative from CASHNET USA where I was informed there was an outstanding balance of {$360.00}. I informed the representative that I just started working again and asked whether I could split the outstanding balance. I was informed that I could. I agreed to make two payments - one on XX/XX/XXXX ( my first payday ), and the balance on XX/XX/XXXX. I also agreed to pay {$540.00} on XX/XX/XXXX. On XX/XX/2019, CASHNET USA sent me a confirmation email with incorrect information. ( See the message below which I cut and pasted. I will also forward the original message under separate cover. ) On Monday, XX/XX/XXXX I called CASHNET USA at about XXXX XXXX to say that their email had misleading facts and wrong amounts. The representative ( male ) stated he understood the error, he would bump the issue up to a manager/supervisor, and the manager/supervisor would be calling me back that evening. No one from CASHNET USA called me back. I called again on XX/XX/XXXX at about XXXX and spoke to a female representative who informed me that not only do I owe {$540.00}, but an additional {$180.00} along with {$360.00} were all to be withdrawn from my account on XX/XX/XXXX. I tried to impress upon the representative that I would need to get this matter corrected immediately especially since the withdrawal date would be the next day. The representative told me that the issue would be referred to a manager/supervisor and that person would be calling me back that day. Since I had not heard from anyone at CASHNET USA for several hours after my call, I called my bank and asked that an immediate HOLD be put on all payments from CASHNET USA. On XX/XX/XXXX the following amounts were withdrawn from my account ( I receive Social Security ) : {$540.00} + {$180.00} + {$360.00}. = {$1000.00}. I was also confused about the arbitrary amount of {$180.00} and what was that amount based on. How unconscionable was this act from CASHNET USA, not to mention how devastated I was on account of its actions? 

I would like CASHNET USA to ( 1 ) honour the initial payment arrangement, which is {$180.00} to be paid to them on XX/XX/XXXX and {$180.00} to be paid on XX/XX/XXXX. ( 2 ) Since all this money was incorrectly taken from my account, I could incur overdraft fees totalling {$140.00} and request CASHNET USA to accept the XX/XX/XXXX payment of {$400.00}. 

I have been in communication with CASHNET USA when I lost my job and I never shirked my responsibility towards these payments.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve discrepancies on my credit report by submitting certified letters and making numerous calls to TransUnion. Despite my efforts, they have repeatedly refused to reinvestigate certain items, citing that it is against the Fair Credit Reporting Act ( FCRA ) to re-investigate an issue that has already been previously disputed. 

I believe this is a misinterpretation of the FCRA, which requires credit reporting agencies like TransUnion to ensure that all information on credit reports is accurate and up-to-date. The FCRA mandates that if new information or evidence is provided, the credit reporting agency is obligated to investigate and correct any errors, regardless of whether the item was previously disputed. 

TransUnion 's refusal to reconsider my dispute appears to be a violation of my rights under the FCRA. I have provided sufficient documentation supporting my claim, yet they are standing firm on their decision, stating that re-investigation of previously disputed items is not required under the law. This stance is leaving me with unresolved errors on my credit report, and I feel that my right to have accurate information reflected is being denied.
Product: Mortgage

Selene Finance states I have an escrow shortage of {$28000.00}. I called twice to ask for proof. On XX/XX/23 XX/XX/23 To speak to a manager/supervisor and was told that the customer service person could help. That person could not help. 
I have my financial advisor to help and he couldnt get proof or speak to the correct person either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old charge-off by XXXX XXXX sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Mortgage

Wells Fargo Owes Me Money and an Apology from all the stress caused and I should be part of the class action. I Purchased my Home in XXXX and around XXXX Wells Fargo Purchased my Loan from XXXX XXXX and started changing terms ; I had till the XXXX to pay. I just dealt with it and never missed a payment. In XXXX I had to Refinance due to my divorce Decree in XXXX I had XXXX  years to remove co-owner /ex-husband off my home. We chose to do sooner then Later because of his XXXX  and due for another XXXX. I went though an Appraiser from Wells Fargo who was only in my home for XXXX minutes and undervalued my home and made comments. I did the leg work and walked into a random Realtors office and she did Comps and Found Wells Fargo 's Appraiser purposely undervalued my home and due to that I originally was not able to refinance. I took all my information and complaint to the Office in XXXX and they were finally able to help though it should not of been that way. I still have all the emails. In XXXX I was having issues and lost employment temp. I contacted WF and was paying my Mortgage Half/Half each month. Without Warning they kicked XXXX of the Payments back and put me into Foreclose. Even the Worker at the bank knew I made my payments. I tried to work with the Home Preservation Specialist and I was denied any modification or assistance and Foreclosure still Stood. I did not want to lose only home my daughter knew and came up with the funds to pay. The Day before It was due I came up with the last XXXX and went to the back XXXX minutes before they closed. The Manager informed me he already shut down his computer and I would have to come back in the XXXX. I had just started a new job and had to take time off the next day to pay the Foreclosure in Full. I did and the Money was wire at the Branch. Everything should have been back to Normally so I thought. The next week I came home to a Foreclosure Notice Posted on my door. With insult to injury after borrowing almost XXXX to pay money I know I paid and I was then charged legal fees after the fact. I live in fear every time I get a letter from wells Fargo or they don't post my mortgage on time and say it is late. I have called several times and get the runaround they are looking into it then they send a letter they are not in the wrong. Then they sold my mortgage in XXXX I wasn't Notified until end of XXXX and new Mortgage says I am a month behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX Il XXXX Re : XXXX : Dear [ XXXX ], I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated [ Date of Response ] did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : XXXX. The name and address of the original and current creditor ; XXXX. Verification of the debt amount you are attempting to collect ; XXXX. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to .Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
amount XXXX
Product: Vehicle loan or lease

My XXXX XXXX had an intermittent " won't start '' issue which did not trip a trouble code. I delt with it for a yr and RR possible causes. Eventually I decided that I had better buy a new car because I am old, sick. depressed and alone. XXXX advertised O % financing and I liked the XXXX XXXX so I went to buy one. I told the salesman that I did not want the extended warranty and when I closed they stuck papers in front of me to sign and told me they were for other things and they charged me 4 % interest and added the XXXX warranty. They would not take anything off and said they will adjust it at the end. Also, I used the wrong checking account ( I'm XXXX now and have XXXX and get confused ) and bounced a check. They charged me a late fee and I can't pay with my credit card so I have to send checks which cost me more and use stamps. My bank account was hacked and XXXX closed my account and I bounced another check and they charged for that too. XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed.
Product: Student loan

Navient is giving me conflicting information for needing to complete my IBR/not complete it, whether in forberance/or not, and not accepting the online IBR application that I've completed -- despite being directed to it to reinstate my IBR. 

I need the CFPB to sort this out. 
Screenshots below. 

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

This complaint submission is in regards to a false credit report by CREDIT BUREAU ASSOCIATES -NORTHEAST INC ( XXXX XXXX XXXX XXXX XXXX , MA XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives one particularly named XXXX XXXX who was extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me the fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after 30 days of notifying them, still no response. I specifically asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$790.00} ). Prior before sending the letter, the representative stated they have mailed me several notices to my home address. The actual letter came from the alleged original creditor which was sent to a random address I have never been associated with. The original balance on that letter states {$520.00}. CREDIT BUREAU ASSOCIATES -NORTHEAST INC stated I owed them {$790.00} with {$260.00} in collection fees. I have never made any agreement with them nor the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting CREDIT BUREAU ASSOCIATES -NORTHEAST INC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX   , XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. CREDIT BUREAU ASSOCIATES -NORTHEAST INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.