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

These are complaints with cash app/square account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX   XXXX taken from my account XXXX XXXX XXXX  refunded to the card for XXXX missing from my account Plus XXXX that was already there thats missing also This account has been closed for cash app and square since XX/XX/XXXX in the photos you can clearly see that all other transactions were declined I just want my money I have contacted my bank there nothing that is coming off my account at XXXX XXXX as of now because I froze the account but cash app nor XXXX will contact me back Below is photos of the statements Even authorized companies that payments were declined because this account has been closed since the beginning of XXXX and still no one has contacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$390.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a balance of {$390.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$25000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

It seems my credit file has been compromised once more. Upon reviewing my records, I found several items that do not belong to me. Under section 605b of the FCRA, you are legally obligated to remove any items identified as fraudulent due to identity theft. These disputed items are not mine, and I request their removal. 
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: Debt collection

On XX/XX/2022 I received XXXX letters in the mail about Case number XXXXOne letter was tampered with and the certified card was missing. The letter was the same both stating summons to garnish my check. On XX/XX/2022 my check was showing wage garnishment over XXXX XXXX of my wages. How could that happens after receiving the notice XXXX days before. I am left with no money to live and to maintain. The entire transaction is crazy and my job is on the line.
Product: Money transfer, virtual currency, or money service

I transferred money to a vender for virtual currency. However the person kept asking for money. Thus I realized it was a scam. The amounts were {$300.00} and {$200.00} because of transfer limits. I tried to cancel the transaction but realized there was no function to cancel. I called Paypal and was not able too reach anyone. So i disputed the transaction and listed the possible scam. I then contacted support about the dispute and informed them of the scam. Now it has been 3 weeks and Paypal gave the scammer the money stating that they found in favor of the scammer. I then contacted the vender in which i was told i had to pay them XXXX more dollars to get my currencies. I told them to take it out of the XXXX i sent them. I was told they would not do that. And they are keeping my money. Have a nice day. I contacted PayPal stating what happened because of their resolution. And have yet to hear back from them. I gave pictures of the conversation with the vender. The dates of transfer were on the XXXX th of XXXX but would not clear until XX/XX/XXXX. I disputed the transaction soon after the transfer. Maybe an hour. Since this was done late at night. The dispute might have been on the XXXX th around XXXX. The company PayPal has yet to offer any information aside from telling me they resolved the issue. Which means they gave the money to the scammer.
Product: Student loan

Based on all the news about the lawsuits against Navient, I 'd thought I 'd make a formal complaint that seems to be in line with the lawsuits. I 'm actually speaking on behalf of my wife, but I 've thought for years the way Navient collects and distributes my wife 's payments to her loans has been suspect. I believe they have falsely or deliberately delayed the payment we sent a day later in order to accrue an extra day 's worth of interest when I send two payments on the same day ( one payment being for what is owed via the IBR plan and additional payment to decrease the principal ), they never both hit the loan on the same day. I 'm sure there 's other issues I 'm missing too, but we have been trying to pay more than what the plan calls for to try to pay off the loan faster, and it never seems to make any dent in the total loan amount. This would most definitely be the case if Navient is indeed trying to swindle us and not credit our payments to them in timely and ethical matter.
Product: Mortgage

As of XXXX our mortgage company ( Nationstar Mortgage ) increased our monthly payment by {$130.00} citing an increase in flood insurance ( mandatory for our address ) and also our taxes increased. I was not aware of the increase, so I continued paying the normal {$2500.00} mortgage payment each month. We have over {$3000.00} in our escrow account, and I asked why it was n't taken out of that account, rather we got late fees and my husbands credit was docked two months in a row. They talked in circles and eventually said 'We can only reverse bad credit marks if Nationstar was at fault '. I 've since paid the $ XXXX we were behind and now we 're up to date. Though they 're reporting to credit bureas that we were behind 30+ days each month.
Product: Mortgage

This is my second complaint against Nationstar Mortgage LLC, once again I have submitted a loan modification application to Nationsatr on XXXX/XXXX/2016 by e-mail and certified mail they signed for on XXXX/XXXX/2016, since then it has been over five ( 5 ) days and no response from Nationstar instead I received a letter saying that my home is being sold at a auction on XXXX/XXXX/2016 at XXXX XXXX. 
Nationstar and its attorneys have and continued to violate the rules and right now I am being Dual-Tracked where I have a loan modification pending and my home is scheduled to be sold. At this time I need help with this matter as this have been an on going infraction of my civil rights under the XXXX XXXX XXXX XXXX XXXX and President Obama making homes affordable. 
Just to point out that Nationstar and its attorney continues to violate Regulation X and is getting away with it I need not only answers but I need to have Nationstar, s CEO XXXX XXXX prosecuted for fraud since owing to the fact that instead of helping struggling homeowners get a reasonable modification he is acting like a Slum Lord where he just wants to foreclose and make a gigantic profit and our Government is letting him get away with it. 
At this time I have complained to CFPB before and I have gotten nowhere I need XXXX XXXX to look into my complaint and do something about it I have enough proof to show that Nationstar is committing fraud which I can submit to CFPB or to the general public including members of Congress. 
Please see attached documents also I can be reached at XXXX to further discuss this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>
Product: Debt collection

Hello, This vehicle was taken in 2016 when I called the lender and they ended up selling my vehicle as well as reporting to the IRS as a lost. This account was supposed to be deleted but they have not done so. The vehicle was sold to me at an extremely high interest rate and I was a victim of predatory lending due to the fact that this vehicle lasted me 2 years due to my engine dying.

I was told last year, this account was going to be deleted and when I tried to get this deleted from my credit reports, it came back verified. The credit bureaus did not send me proof of the verification so I still have this on my credit report. This needs to be deleted please as I am trying to get my life together for my household. Please help me in this matter!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed items to be blocked and deleted company information from Equifax. 

Please delete the following items : 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: Credit reporting or other personal consumer reports

Please see the attached XXXX release form for the account reporting on my credit report with the name and account number XXXX XXXX XXXX XXXX. Remove this account from my credit report due to erroneous reporting from XXXX data breach. The XXXX breach claim was submitted months ago, but I will attach it along with the release form for your reference. Remove this account from my credit report with 7 business days.
Product: Debt collection

I got a mail letter by DEBSKI & XXXX stating that I must provide to them for the past 3 years the following : Bank statments/ Income Tax Return/ XXXX Property under my name/ Car under my name/ IRA fund/ XXXX. I do not know the reason why I should provide all of this Important and private documents to this company. 
DEBSKI & XXXX also ran a Credit Report under my name without my consent. Wich means that the have my SS # and all my personal information. I do not feel comfortable by knowing that DEBSKI & XXXX has all my personal and private information.
Product: Credit card or prepaid card

Despite my never once being 30-days late, my exorbitant interest rate has made paying this credit card in full completely impossible. 

I previously disputed the charge below as the first set of eyeglasses that I received were damaged. While the company did replace the damaged eyeglasses, they replaced them with a pair in which the bifocal prescription is defective. While I can not see out of these brand-new glasses and they are of no use to me because I can not see to read out of them, Chase has rebilled my initial credit from my dispute of the original damaged eyeglasses and Chase representatives have repeatedly refused to place a new dispute on the defective replacement pair. 

{$180.00} Transaction date XX/XX/XXXX Posted date XX/XX/XXXX Merchant info XXXX XXXX XXXX XXXX 
Description XXXX XXXX XXXX XXXX. 
Also known as XXXX XXXX Merchant type XXXX  Method Online, mail or phone Card number ( ... XXXX ) Category Health & wellness Worst of all, representatives of this bank have repeatedly promised authorized XXXX XXXX relief and to date, no such relief has been provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. 

Identity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within XXXX  days. 
Conduct a thorough investigation into the unauthorized charges.

Temporarily suspend any further collection activities related to these charges during the investigation.

Provide me with written updates on the progress of the investigation.

Provide a final written resolution of this dispute within XXXX days. 
Failure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Affidavit of Facts - Dispute of Inaccurate Information on My Credit Report To whom it may concern, I am writing to formally dispute inaccuracies on my Experian credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) and the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit addresses serious allegations that Experian has failed to conduct proper reinvestigations of disputed information, failed to delete inaccurate or unverified information, and failed to provide accurate, timely notices of such actions, among other violations. 

The specific accounts in question are : XXXX. XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) I assert that these accounts contain inaccurate, incomplete, or unverified information, and I am disputing them based on the following : Failure to properly conduct reinvestigations of disputed information. 
* Failure to delete inaccurate or unverified information in my credit file. 
* Failure to provide adequate written notice of the results of reinvestigations, as required by the FCRA. 
* Improper reinsertion of previously deleted information. 
* Failure to follow reasonable procedures to assure maximum possible accuracy of the credit information reported. 

Despite my previous disputes with Experian regarding these accounts, I have not received a satisfactory resolution or proper notification as required by law. As a result, I am requesting that you immediately : XXXX. Reinvestigate these accounts in accordance with the FCRA. 
XXXX. Remove any inaccurate, incomplete, or unverifiable information related to the above accounts from my credit report. 
XXXX. Provide me with written notice of the results of your reinvestigations. 
XXXX. Ensure that any previously deleted information that has been improperly reinserted is permanently removed. 

If Experian fails to take corrective action, l will be forced to pursue all available legal remedies, including filing complaints with the CFPB, and exploring additional legal action for violations of the FCRA. This may include seeking damages for the harm caused by the continued reporting of inaccurate information. 
Please respond to this dispute in a timely manner, in accordance with the FCRA. I expect written confirmation of the outcome of your reinvestigation within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX
Product: Debt collection

Without making an application this credit card came to my mailbox. When I tried to make a payment on my account no. XXXX XXXX XXXX XXXX, the representative that processed the transaction did not record all of the numbers to my account in order for the the payment to be made on time. This resulted in a late fee to be charged to my account. The minimum payment due was {$80.00} dollars. However because the payment was late, the total payment due is {$140.00}. This is {$80.00} plus a {$63.00} late fee I have become current with the account however a late fee is still charged to my account when I am not late. I was told by XXXX of the representatives that if I paid the late before the next billing cycle that starts on the 7th of each month, another late fee would not be incurred on my account. I have paid the late fee {$100.00}, and {$43.00} before the next billing cycle however on the company XXXX XXXX bank is charging me a minimum payment of XXXX or XXXX added to the minimum payment as if it is late. In trying to collect the late fee I was told by one of the representatives to expect to be called in the late hours of the evening. 

These transactions are verified to make sure the information is correct.
Product: Credit reporting or other personal consumer reports

I have called Equifax on several occasions to get this error corrected I was told several times it was being escalated to be fixed and nothing has been done and when I called on Tuesday I was told I had to verify my Idenity, which i was never told before I just submitted disputes to them which I attached proof of my idenity attaching my drivers license and a copy of a letter verifying my address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my consumer credit report prepared by your agency. This letter is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate disputes and ensure the accuracy of consumer reports. Also, the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 consumer, 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.

I have closed accounts that should be deleted off my credit report once paid. They have been on my account for years their statuses are inaccurate.
Product: Money transfer, virtual currency, or money service

I was contacted by a fraudulent XXXX page about investing in XXXX. I was told to set up a page with XXXX XXXX XXXX XXXX website and it would create my account and I would see profits in 24-48 hours. I was told to transfer the money via cash app to this individual and they would from there invest my money in the XXXX mining. I transferred XXXX. Once I could see the invested money, and it generating profit, I was told to purchase more on crypto.com and I then could see my money increasing, as I purchased another XXXX. The XXXX account had been hacked by a scammer, the cash app was a scammer, the XXXX mining page was a fraudulent mirrored page of another company. It was a scam and I lost XXXX.
Product: Mortgage

The whole purpose of the suit is due to wrongful foreclosure on XXXX XXXX, 2015. We have challenged Kondaur the proof of the matter, they refused to show up for Federal Court to prove themselves to be right in the First place. This was discussed on several occasions. They could not provide to us any evidence. Therefore, they did show up for Federal Court, nor did they respond to XXXX because Kondaur did not have any proof their only proof is to evaded in every way. The fact that Kondaur breach the loan modification and forbearance plan is evident enough. 
This case should not have escalated to this status. All Kondaur had to do was to continue the modification that was set forth by XXXX and continue to accept my payments {$1100.00}.. We disagree with the opinion of the court, we had requested a mediation and trial in person. Further documents will be filed as suggested.
Product: Credit card

The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.
Product: Debt collection

Receivables Management Services sent me a letter that I owed money and explaining that they were a debt collector. The letter did not provide details of the debt claimed. 
I called around XX/XX/XXXX to inquire about it. I explained that I was never contacted by the creditor. I went online to my account with the creditor and confirmed no debt was shown. 
I called the creditor and was confirmed there was no debt. 
RMS called me on XX/XX/XXXX about the debt and I explained that XXXX confirmed on XX/XX/XXXX that there was no debt. 
I received no further communication after this. 
Today, XX/XX/XXXX I talked to XXXX at RMS and her supervisor XXXX XXXX and they confirmed that the case has been closed and there is no debt to collect. However, they denied a written confirmation of this. 
If the original communication of a debt came from RMS I expect a letter from same sender explaining the status of the case, especially when the creditor never tried to claim a debt in the first place. 
After 15 minutes on the phone they still denied giving me a written confirmation for my records stating what they were saying " case closed, we no longer have a debt to collect ''.
Product: Credit reporting or other personal consumer reports

Per our last discussion, you openly admitted that on XX/XX/XXXX my account was charged off due to non-payment with a balance of {$1000.00}. This means that you have filed either both or one 1099-a & 1099-c as property abandonment to be compensated for your loss. This means that this account is now a certificate of indebtedness and considered income and CAN NOT LEGALLY be reported as debt or collected on. I have not received a copy of any 1099 's that were filed on my behalf as per the IRS regulations Publication 4681 ( 2023 ) including under Statements to Debtors. I would like a certified copy of the 1099 's filed on this account.

Per 15 U.S. Code 6802-6805, I have a right to opt out of any information being reported to credit agencies and you are supposed to send a notice providing me with the opportunity to opt-out, yet I have not now or ever received one. Also, in my previous complaint, I opted-out of having my information shared to the credit bureaus per the Privacy Act of 1974 '' and the account has not been removed from the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please, correct this information. Thank you, XXXX XXXX