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

On XX/XX/XXXX I sent the finance company a dispute letter of the XX/XX/XXXX charge in the amount of {$24000.00}. They replied with a letter dated XX/XX/XXXX that they had issued a provisional credit until they finish their research. Their next letter received dated XX/XX/XXXX, stated that they had issued a PERMANENT credit for the disputed amount ( {$24000.00} ) + interest and fees accrued. This should have brought my balance to {$0.00}. About a month later I received a statement showing the provisional credit of $ XXXX was credited on XX/XX/XXXX. It also shows the provisional credit was REVERSED on XX/XX/XXXX. This transaction occurred 1 day before the letter that stated that the provisional credit ( $ XXXX ) would be permanent. There is also a direct transaction credit from the Merchant of only {$20000.00}. This transaction wasn't authorized and such credit leaves the account with a balance of {$3000.00} + a finance charge of {$20.00} = {$3000.00}. I don't know why I owe this when the dispute was settled, and I didn't authorize this. The finance company explained to me that the merchant credited less and that I would have to talk to them. When I spoke with the merchant, they told me that " what was done is done. ''
Product: Debt collection

On XX/XX/XXXX I canceled my XXXX  insurance and switched to XXXX XXXX. XXXX sent me to collections for unpaid bill in the amount of {$150.00} despite numerous attempts to resolve this. 
XXXX continued to bill me despite proof of cancellation that I am attaching and sent me to collections. This is extortion. 

Here is a rundown of dates : XXXX - XXXX  XXXX insurance is effective and payment made ( proof attached ) XXXX Called XXXX to cancel my auto insurance and they said I would have to send in proof of cancelation. They said I would not be charged a bill for XX/XX/XXXX as long as I had proof of insurance before this which I did with XXXX XXXX ( XXXX ) XX/XX/XXXX - Sent in signed cancelation endorsement form to XXXX ( proof attached ). 
XX/XX/XXXX - Emailed XXXX to confirm cancelation ( proof attached ) XX/XX/XXXX - XXXX requesting they needed proof of replacement policy ( proof attached ) XXXX Sent in the signed endorsement to cancel XXXX . Called XXXX  XXXX agent and she said she will be calling XXXX with proof of new insurance ( proof attached ) XXXX XXXX said they never received my signed endorsement or the copy of new replacement policy. I emailed back that I had emailed the signed document on XX/XX/XXXX and my XXXX XXXX agent had confirmed my new policy with them. 
XX/XX/XXXX - Continued to get a bill from XXXX for {$460.00} despite cancelation ( proof attached ) XX/XX/XXXX - Continued to get a bill from XXXX for {$150.00} ( proof attached ) XXXX -Spoke to XXXX at XXXX customer service because I was still getting a bill. This was matter was resolved ( Proof of call attached ) XX/XX/XXXX - Received a collections notice in the amount of {$150.00} and this was also reported on my credit. Called and had collections removed from my bill. I'm not sure if I paid this because I was so sick and tired of dealing with XXXX or just sent in the documentation but the matter was thought to be resolved and was removed from my report within 30 days ( proof attached ) XX/XX/XXXX - had not heard anything from XXXX or collections in 2 years and out of the blue, I get a collections notice for the same XXXX account! ( proof attached )
Product: Credit card or prepaid card

On XX/XX/2019 I got a Netspend prepaid card I used the card one time was waiting for them to send my new card XX/XX/2019 I got the new card I activated the card they said I only had XXXX but XX/XX/2019 I had put XXXX on the card I have call them at lest 10 time trying to get the problem fixed but for some reason they dont have any of my stuff right my Netspend app I have on my phone is right but they keep saying Im giving them the wrong number but the number I opened this card with is the only number I have then they keep hanging up on me they have sent me the wrong information on my online site and they are not trying to work with me the card numbers arent matching up
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit with TransUnion for over 3 years. The information is still on there and I requested copies of how they came up with what is reported on my credit report. I am in the military and it is required that I maintain a security clearance. In order for me to obtain it a few years ago, I had to pay creditors that I did not owe. I am attaching copies of letters that were sent and a copy of credit reports. The only thing that TransUnion did was send me another report over and over. One of the XXXX XXXX accounts were deleted but they left the other one. Please help me in getting this information corrected. 

The companies are : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - According to credit report it will be deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - the other account was deleted but this one was left. 
XXXX XXXXXXXX According to credit report, it will be deleted XX/XX/XXXX Thank you in advance.
Product: Mortgage

OnXX/XX/XXXXI received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me onXX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXXBank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are facing the covid outbreak into the second year. I had done birthday shopping before the outbreak started. I heard that all payments and credit debt would not affect us while we are paying. My friend told me about your site. I don't know anything about you guys but my credit score has been going from XXXX closer and closer towards XXXX. Plus the interest fees are non stop. I have only chase bank credit cards. My job had me only working 1-3 days because of covid during the large scale XXXX XXXX. Not only have i been scared for my life, but my debt kept piling up and piling up and every time I get a stimulus, the whole thing pays my debt in only a small portion. I don't get to enjoy it like everybody I see partying or traveling. I do not feel like I am happy at all with life. Please help clear my mind. I don't know how to keep on surviving with debt. I don't want debt. I was on an excellent path of immediate payments. I even managed to pay the XXXX in college loans off. For a long time pre- covid, I had everything in control. Covid changed everything and it's not fair. I don't know what to do.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

I experienced a short-sale on my previous home in XXXX, XXXX. I had a first and second mortgage with Bank XXXX XXXX. At time of short sales, XXXX mortgages were fully reconveyed as the new owner took possessionXXXX marked XXXX mortages as " PAID AND CLOSED. '' However, some time in XXXX, Nationstar Mortgage began to report the XXXX mortage as open/past due! I did not even notice this until mid XXXX. Despite attempts to work with them, and sending them requested documents, they still report the loan to credit bureaus. This is really hurting me at this time. I have enclosed all documents I sent to them, and to XXXX who is participating, but they suggested I write to you. The documents include a record of FULL RECONVEYANCES on the property for XXXX mortgages. How do we get them to remove these records, and tell the credit bureaus THEY WERE COMPLETELY WRONG AND i HAVE BEEN " CLEAN '' SINCE XXXX XXXX?
Product: Money transfer, virtual currency, or money service

I make the my first complain about Gemini XX/XX/2021, about the scam problem complain XXXX First they frozen account. when you try to move or transfer the money out the account They answer from Gemini is possible another person try to use me account. My family have the same answer from Gemini!!! I ask to my Bank chargeback two week ago for the money .The Gemini closed my account 3 weeks ago, and everything was perfect! 

But today morning my big surprise, Gemini stolen my money from my Bank account again, Stolen is small word for that! CFPB authorize companys like that work in US That is illegal and shame, I need my money back urgent and please take action
Product: Credit card

there was a transaction from XXXX that was {$2000.00} over my credit limit instead of declining the transaction Capital One allow them to exceed my credit limit by {$2000.00}. XXXX, then later said that the transaction never went through however, the payment went through on capital ones in and I was charged interest on it. When I reached out to Capital One to have them remove the transaction or to reverse it I was told that they can not. I was stuck to pay for something that XXXX was stating were additional charges that I did not authorize them to run my card with. I am now being sued by Capital one. I tried to do payment arrangements but when I missed 1 payment the only option was to pay in full. I had no issues with paying before they processed this huge transaction. I asked for my statements to see the charge that brought my account so far over my limit and did not see anything to support what they charged.
Product: Credit reporting or other personal consumer reports

There were XXXX fraudulent bankruptcies on my report XXXX and XXXX have removed all three transactions union has removed XXXX  which is XXXX but they refuse to send me a debt validation letter in writing and I asked several times I also had XXXX  and XXXX  do the same thing but each bureau has removed them from my credit report except transunion and they know that its fraud DEBT VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT VALIDATION XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Last 4 SSN To Whom It May Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent TransUnion removed XXXX but not the other XXXX after several recordings I have of them saying they were fraudulent and going to be removed. 

XXXXXXXX XXXX XXXXXXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit XXXX XXXX XXXX XXXXXXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by XXXX and working on XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud3. Fair Debt Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX  by XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXXXXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.
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 procest 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 reporting or other personal consumer reports

I had an XXXX XXXX, XXXX XXXX and an XXXX XXXX, XXXX card and on the cards. It says that there's multiple months where there were thirty and sixty days late, however, I made the payments. And then I kept getting calls from XXXX XXXX. And they would tell me that I could only pay if I call them which was weird because I have up to that point paid online. And when I tried to actually call and talk to somebody about it. I'd be on the line for 3 hours. And I get ahold of one division and they send me to another division and the send me to another division. And I never got any resolution, and this happened multiple times. And then, without notice, canceled both of my cards. Been making all my payments online. Additionally, XXXX XXXX would not honor the XXXX so I actually had to follow complaint with a better business bureau and after I filed a complaint, they finally honored it. I even went as far as to pay off the XXXX XXXX in full approx $ XXXX. To this day I don't know why any of that happened the way it did. And now I'm stuck with delinquent marks On two closed account one which I paid off in its entirety on my own and. I would like to at least have those delinquent remarks taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as XXXX, Equifax and XXXX  all accounts listed in Identity Theft which are not mine.Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Product: Student loan

Wells Fargo has been contacting me to collect a payment for a private student loan I received when I attended XXXX XXXX University in XXXX XXXX, XXXX from XXXX to XXXX. I have discussed with debt collection reps that I am currently unemployed and can not make a payment at this time. I was able to defer my loan with in-school deferment while I attended University XXXX XXXX in XXXX to the end of XXXX for XXXX studies. But I am longer attending that school. I have applied to XXXX XXXX XXXX XXXX University and have been accepted for their XXXX XXXX XXXX XXXX Program for the XXXX XXXX. I will register for classes XXXX. I do not have any family members or friends who can help me make this payment or any payments for this loan. I have already asked family members to help me pay off my credit card debt and they are struggling to pay their own bills.
Product: Checking or savings account

On XX/XX/2020, more than a {$180.00} was debited from my account by Navy Federal. The charge was unlawful. Navy Federal also puts additional money on any account you have with them in order to collect funds from other accounts that were discharged in bankruptcy.

I have accounts for my children with Navy Federal and have just been informed on XX/XX/2020, that they also may have money withdrawn from their accounts for transactions unrelated to them even as minors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first XXXX  that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is a lending company that issued a loan for a motorized scooter to someone that was impersonating me. The loan was given to someone that had my SS # and had an old name before I was married, over 10 years ago and an old address that I have not lived at for over 14 years. It appears they didn't do a credit check or verify any information before lending this person $ XXXX. I have been trying to resolve for 2 months now and they told me yesterday that the I am still responsible for the loan. I filed a police report and re-filed my dispute. I do not understand how I can be on the hook for something they should have done. If they would have pulled credit they would see I have my credit frozen so when someone tries to get a credit card, loan w/ my ss # I am alerted and then can verify or decline the request.