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

I was overcharged XXXX dollars on a purchase at XXXX XXXX XXXX. Total amount is XXXX. My actual purchase was XXXX. I purchased a drink, snack, and a plastic bowl. As i explained to first hawaiian bank i misplaced the receipt. This happed XX/XX/2019 I contacted my credit card company and the merchant. Credit card company says they can not assist me without a receipt. The card company fhb can be reached at XXXX. The sent me a dispute resolution letter saying i have to pay for the charges
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal letter to XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXX XXXX. 
This failure to provide debt validation within the required 30-day period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to 2 different XXXX XXXX XXXX  Addresses ). 
Given that XXXX XXXX did not validate this debt within the legally required timeframe, I hereby demand that Experian immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX  Account Number : XXXX Reported Balance : {$11000.00} Balance
Product: Debt collection

Denefits has done 2 unauthorized debits on my debit card ending in XXXX. They typically request permission to do so and I have written proof of the requests to debit my card. However, they are not asking my permission and has caused me financial hardship Also, the card I put on the account is no longer active. I used another card for a one time transaction, they stored it without my permission and have debited it twice without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBSs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.
Product: Student loan

I have learned that loans are being taking out in my name my name is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax several times by mail and several times by phone about the public record showing on my report its the chapter-XXXX bankruptcy.I have asked how does Equifax verify Equifax first stated through the courts witch is not true then Equifax said through a third party called XXXX. So i went to the courthouse and spoke with the clerk she stated that the courthouse does not release information to third party companies such as the credit bureaus or XXXX then i called and wrote XXXX they stated that they get there information from XXXX know my rights and the FCRA rules/laws.Equifax is supposed to contact the actual furnisher witch would be the courthouse.This is false reporting and i want it removed from my credit report immediatly! Also the reporting date is incorrect its reporting XX/XX/2015 that is inaccurate information on my report witch calls for deletion.Another thing is my XXXX account along with other third party compaines are frozen so its no way equifax is veryfing through XXXX i will attach documents along with this for proof.
Product: Mortgage

Investment XXXX XXXX  XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX  XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX Clerk of Courts ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on title. XXXX XXXX attorneys pulled an official title report in which the chain of title shows the following : 1. Assignment of Mortgage - XXXX  : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXX XXXX Assignor, to NATIONSTAR MORTGAGE LLC D/B/A CHAMPION  MORTGAGE COMPANY, ASSIGNEE ). 
XXXX. Corporate Assignment of Mortgage - CFN : XXXX Book XXXX Page XXXX ( XX/XX/XXXX, from NATIONSTAR MORTGAGE LLC D/B/A CHAMPION MORTGAGE COMPANY, ASSIGNOR, to Secretary of Housing and Urban Development , Assignee ) .

XXXX. Deed - XXXX XXXX XXXX XXXX XXXX XXXX ( Deed shows inconsistencies and does not reflect the proper chain of title and recordings. 
XXXX. Notice of Default and Foreclosure Sale - XXXX XXXX Book XXXX Page XXXX - Conflicting Information - The Secretary of Housing and Urban Development will bid {$300000.00} - if the mortgage is indeed owed why did HUD bid if there was a debt owed? HUD does not own the loan, they only insured through HECM senior program ( reverse mortgage ) but HUD never truly owned the loan. 

XXXX XXXX XXXX XXXXXXXX, and Nationstar Mortgage XXXX Champion Mortgage Company does not have any record or proof that the mortgage was indeed paid off or not. XXXX XXXX XXXX, XXXX, and Nationstar Mortgage XXXX Champion Mortgage Company can not locate any data or factual evidence of the mortgage. This has caused XXXX XXXX a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligence of XXXX XXXX XXXX, XXXX, mortgagor ; and Nationstar Mortgage XXXX Champion Mortgage Company ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). 

XXXX XXXX XXXX XXXX, Foreclosure Commissioner used and forcefully abused their power to improperly foreclose on the subject property without providing proof or evidence through signed borrower forms from XXXX XXXX ( borrower ) and XXXX XXXX ( borrower ). The United States Secretary of Housing and Urban Development, collaborated with XXXX XXXX XXXX XXXX through non-judicial process in order to avoid litigation and to avoid from providing proof of ownership of the HECM ; when indeed XXXX XXXX XXXX, XXXX, mortgagor still retains ownership of the deed, mortgage and subject property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX contacted me XXXX of XXXX XXXX about credit alert. Appears that I have a invisible Apple Card that is delinquent {$6.00} and listed as in arrears. The account has a start date of XX/XX/XXXX, coincides with new XXXX. I use XXXX, since XXXX, and XXXX XXXX XXXX. The drop in my score was XXXX points, down to XXXX. Contacted XXXX and then Apple GS. 
I have no account number, there has never been an attempt by Apple GS in contacting me about the activity on this " GHOST '' account. 
Apple will contact Goldman Sachs and try to sort this out. Hopefully restore my credit rating back to where it should be. 
Is there anyway to assure me that my personal data, SSN or other info, circulating on the web?
Product: Credit card or prepaid card

In XXXX, 2018, I agreed for Wells Fargo Bank to close my debit visa card due to a fradulent transaction. I was issued a new debt visa card 1 week later. I did not give any companies my new debit visa card information. On XX/XX/2018, XXXX charged the old card for a reoccuring payment and the charge went through on my account although I did not supply the new card information. When I went to the XXXX account as well as the Wells Fargo account, they both reflected the number of the old debt visa card that was closed. When I called Wells Fargo, they said it was a XXXX issue due to it being an agreement with XXXX and the XXXX. When I called XXXX, they said that I needed to contact Wells Fargo because they were the ones who allowed the old card number to be charged to prevent an interruption in my XXXX service. In the past, if a debt visa card was cancelled/closed, the merchant would be unable to charge my account and I would have to update and give the new card information if I wanted to continue the service. I am gravely concerned about my protection against fraud if merchants can still receive payment on my checking account with use of a closed/cancelled debt XXXX card. Wells Fargo nor XXXX would give me an option to prevent this from happening. I have therefore cancelled my new debit XXXX card out of concern.
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 Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

RE : Receivables Management System ( XXXX XXXX XXXX XXXX VA # XXXX ) My name is XXXX XXXX XXXX I am XXXX-year-old XXXX woman on SSDI. As of XX/XX/XXXX I resided at XXXX XXXX XXXX. XXXX, VA XXXX ( tele ) XXXX XXXX XXXX ( 1 ) Complaint for Attempts to collect debt not owed. I was a designated user on the primer XXXX XXXX XXXX XXXX XXXX XXXX account : I had no knowledge of any debts owed or unpaid balances until it was posted to my credit report after Mr. XXXX. possible default?? ). However, Receivables Management Systems are currently assessing me interest and fees on a debt which I have not agreed to. 
( 2 ) I never received an original notice in XXXX from Receivables Management Systems, or any written notification about a debt owed. I was not afforded the opportunity to dispute a debt nor was I privy to any knowledge that I could, dispute the debt. My first notice was found on derogatory remarks on my credit report two years ago. 
( 3 ) Per XXXX Credit report XX/XX/XXXX, the actual date of Birth on collection account was not my own. The incorrect Birthday was XX/XX/XXXX. I have since corrected the wrong birthday in an XXXX   complaint. 
Per the Credit report the maximum, limit ( highest Balance ) on that account debt was {$340.00}. They have disfigured my credit report by stating I owe {$630.00}. Receivable Management Systems collector has used false, deceptive, or misleading representation in connection with the collection by falsely representation on my credit report. The character, amount, of their originators/debtor is in error. Further, as stated 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have not ever agreed to pay interest or fees to XXXX XXXX or Receivable Management Systems.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : Trans Union Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC Code 1681i ( 5 ) Treatment o inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item or the information is found to be inaccurate or incomplete or can not by verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on 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. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX. XXXX XXXX XXXX - The personal information is incorrect -please remove this from my credit report immediately Accounts : XXXX. ( XXXX XXXX  ) /XXXX  XXXX XXXX XXXX XXXX This account is being reported inaccurately.
Product: Mortgage

My name is XXXX XXXX I lost my job due to covid back in XXXX and have been working with XXXX XXXX XXXX to be put on a temporary payment plan. I was approved for a trial period starting XXXX, XXXX and XXXX of XXXX to pay XXXX. I made the first payment for XXXX. I called on XX/XX/XXXX to make my next payment and was advised i was removed from the trial period due to non-payment. I spoke with a supervisor whom advised me she would be sending an email to the XXXX XXXX department for them to reinstate me due to payment was received. She then called me back on XXXX and advised me the request was approved and that she could go ahead and take my XXXX payment. I asked her is she was showing a payment for XXXX scheduled to draft from my account if so i need to pay the difference of the XXXX minus the XXXX because that payment will cause my account to overdraft, she then advised me there was no payment showing pending we then made the payment. On XX/XX/XXXX XXXX draft from account and XXXX was returned due to insufficient funds i called back the day i saw the payment return and i reprocessed the payment. I called today on XXXX to pay my mortgage for XXXX and was advised i was again removed from the trial period due to a payment being returned i requested to speak with a supervisor the rep refused and advised me to apply for other assistance. I'm just trying to be put back on the trial period and continue making my payments.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

I have a consolidated loan which is currently in " repayment '' status with FedLoan Servicing. The consolidated loan consists of two loans which were consolidated in XX/XX/XXXX. Both loans began with zero payments made to each after they were consolidated. I joined FedLoan 's Public Service Loan Forgiveness program in XX/XX/XXXX.

With each bill I received, the qualifying payments for each loan in the consolidation were both the same, naturally. However, from XX/XX/XXXX to XX/XX/XXXX, a discrepancy in the number of qualifying payments ( I have attached copies of statements for both months ). In XX/XX/XXXX both loans in the consolidation showed as 19 payments for each. Then in XX/XX/XXXX, one showed as 16 payments while the other showed as 22 payments.

I contacted FedLoan as soon as I received the statement for XX/XX/XXXX and asked about this discrepancy. Not surprisingly, the customer service representative could not figure out the discrepancy either and put in a request to have it investigated. every 2 to 3 months I would call in to get a status on the investigation, only to be told that they are " still working on it. '' My last attempt at trying to get this resolved was XX/XX/XXXX. I was told again that they were " still working on it. '' I have attached a copy of this communication along with their response. After many attempts at trying to get this resolved over the past year and a half, I am reaching out to your organization for help. Please advise me on what can be done about this.

Your help is greatly appreciated!

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

US DEPT ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. This is a complaint regarding a debt collection law firm called cheadle and cheadle law. They have had my license revoked since 2011 in which XXXX XXXX sued me for the cost of another persons car as well as other things which added to the XXXX $ debt. XXXX XXXX turned the case over to cheadle and cheadle law in which revoked my license immediately with no notification. I have attempted reasonable payments but they refuse and expect me to come up with XXXX $ down that I can not afford in order to get my license back. I am an XXXX XXXX that has been forced to work at low paying jobs because of this I can barely afford my family as it is let alone a XXXX $ down payment.
Product: Student loan

Back in 2006 took out the first year of college loan in the amount of {$14000.00} second year took out loan for about {$15000.00}. This particular loan has been sold several times. 
I have paid for 144 ( 12 years ) back on this loan both together around $ XXXX/mo. = which equals {$34000.00} that has been paid back on loan.

Statement as of today I still owe {$13000.00} on one and XXXX on another. Called the current owner of the loan Navent requested original documentation of loan from 2006 and how payments have been applied. Waiting to get this information BEFORE I pay another dime to them. 
Refusing to pay them back ... I have already paid them.
Product: Credit reporting or other personal consumer reports

THE COMPANY XXXX XXXX XXXX CONTINUES TO INQUIRE INTO MY CREDIT FILE WITHOUT MY PERMISSION, UNAUTHORIZED ACCESSING MY CREDIT FILE CAUSING HARD INQUIRY. I BELIEVE THEY ARE STEALING MY PERSONAL INFORMATION FOR SELL. I HAVE PLACED NUMEROUS FRAUD ALERT ON MY CREDIT FILE, AND XXXX XXXX INQUIRES INTO MY CREDIT FILE EACH YEAR MY FRAUD ALERT EXPIRES.
Product: Checking or savings account

I have been a customer of wells fargo since XXXX. Since then there have been a number of transactions that they can not seem to justify. Pending and posted transactions that that do not add up to the total balance available once posted. As well as overdraft fees for payments that have already posted while available balance coverts posted transactions. Including multiple transfers to XXXX XXXX  2 most recently in the amount of XXXX each that were never credit to my XXXX XXXX once transferred but disappeared from my checking account. Wells Fargo seems to always have an excuse or justification for these things that do not make sense and leaving me with missing funds and no way for me to fight back.
Product: Credit reporting or other personal consumer reports

I recently paid off my XXXX credit card and because of paying off my debt, all three credit bureaus dropped my score. It should have dropped because I have balances on my credit cards. On XX/XX/year>, My XXXX XXXXXXXX statement generated a balance that helped raise my score back to XXXX. XXXX and XXXX immediately Updated my credit report but of course, Experian has not. They are aware of the change because they checked my usage Before recently dropping my score. For the past XXXX months, Experian has not updated my score. I have scored XXXX despite keeping my utilization under XXXX XXXX and paying my creditors in full every month. My score has steadily risen with the other bureaus. I find it odd that Experian was quick to report a negative item. Like paying your debt should be seen as negative. apparently credit bureaus think otherwise yet are slow to update or report positive actions. I am Happy that CPFB finally sued your XXXX!