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

I disputed a charge with XXXX for which the merchant rebutted which was accepted by Capital One and they recharged my account for {$110.00}. XXXX said I had not cancelled a subscription. This would not have been possible since I had never applied for a subscription and knew nothing about it until I saw the charges on my credit card bill. Capital One argues that they can not approve my dispute without evidence that I canceled the subscription. This is an absurdity. XXXX submitted a list that apparently Capital One accepts as evidence that I had received additional car washes. I was at XXXX only once! I issued a complaint with the FTC about XXXX, but this complaint is against Capital One for a making a faulty investigation.
Product: Student loan

I contacted the student loan servicer, Navient, several times over the phone in good faith to fully understand my income-driven repayment plan ( REPAYE ) and associated loan forgiveness. I spoke to at least three ( 3 ) different representatives, and each had varying answers to my questions, including basic information like start and end dates of my repayment plan. Finally, fed up with the ever changing information supplied by Navient, I asked them to email me answers to my questions. However, they declined to put anything of substance in writing. I am formally filing this complaint to make you aware that Navient is intentionally refusing to supply important and necessary information about my student loan, including forgiveness terms. I have nothing in writing to assure me that my loan will be forgiven at the end of the income-driven repayment term. I don't even have a straight answer on when the term started and when it is supposed to end. Navient is making it absolutely impossible for hard working individuals like myself to plan a healthy financial future. They are setting people up for failure.
Product: Checking or savings account

I checked my online account three times XX/XX/2022 my water bill payment wasnt processed yet so I was going to deposit the funds XX/XX/2022 in the morning. I checked my account at XXXX and the payment was processed and a overdraft fee charged. It showed XX/XX/2022. I believe regions processed the payment at XXXX XX/XX/2022 and charged a fee the same time. Giving me the consumer no opportunity to deposit cash to avoid the fee associated. I spoke with the assistant manager at the XXXX office in Florida and she said I could come in and she would review the account because regions can waive one fee a year. I went in and she tells me its a rolling calendar year. She has no access to override it. I have an account with XXXX and this never Happens ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) XXXX
Product: Debt collection

I do not recognize this debt and have no record of signing any contract or agreement with CAINE & WEINER. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that they validation of this debt, including : Proof that I have a contractual obligation to pay the debt. 
A copy of the original signed contract or agreement. 
Documentation showing that CAINE & WEINER has the legal right to collect this debt. 
Please consider this letter as a formal dispute of the debt and a request for validation.
Product: Credit card or prepaid card

Citi AA CARD WAS CLOSED without my consent, after talking to citi rep they said i requested to close account but i did not & they claim to receive a third party letter on my behalf to close account & the account no. on that letter do not match with my credit card with citi & now to reopen citi wants to do a hard pull on my credit which is not acceptable as citi made error in closing my account.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires us to delete any inaccurate accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit card

American Express sent me an offer that I would receive 5 % back on XXXX XXXX purchases, and added previously undisclosed limitations after the purchases were made.
Product: Credit reporting or other personal consumer reports

I have sent an update of information letter to all XXXX credit reporting bureaus on XX/XX/2023 to remove inaccurate information and still at this time all XXXX are reporting false information on me.
Product: Debt collection

NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX, WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO RESURGENT CAPITAL SERVICES LP XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / XXXX thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise. 

Thank you for your prompt attention to this matter. 

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transaction so she filed the dispute on the XXXX charge. I asked when I spoke to customer service about my incoming deposit on the XXXX and was assured that I would be able to get the deposit out. I also asked the assistant bank manager who told me that I would be able to get the deposit as well. On the morning of the XXXX, I called the bank to make sure that I would be able to get the deposit and was told that the original dispute by customer service was never done and the over {$1400.00} I had in my account at that time was taken and applied towards the negative balance. I was also told that the deposit that I was assured I could get was also taken and applied to the negative balance. I had to refile the dispute on the 7 transactions of fraud again since it was never done to start with. The last lady I spoke to said she talked with another department to " try '' to expedite a refund of the over {$1800.00} deposit but it would take 24-48 hours before I would know anything. This isn't the first time I have had to change my debit card because of fraud. I have to change it ever 3-6 months because of their laxed security. They have put my family in a financial bind and we are at risk of losing everything because of this. I spent XXXX hours on the phone with the bank and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply with XXXX XXXX XXXX
Product: Checking or savings account

During the week of XXXX, XXXX, I received a phone call on our land-line ( XXXX ) for my husband. He was at work and I said " Could I help? '' XXXX said there was fraud on my Bank accts. He called me once every day to check in with me for three days. I BELIEVED HIM. Later in the week, I told him that {$120000.00} was transferred from our personal savings into our business checking acct. without our authorization. 

When I went to the Bank on XXXX  the XXXX, the Banker immediately put all our accts on hold as well as on-line banking. We then were out of town for 3 days. 

On XXXX, XX/XX/2023 I went in and talked to our Banker. He checked thoroughly and didn't see any problems. He took the holds off and re-opened our on-line banking. I trusted him that everything was okay to do this. 

Then on Friday, XX/XX/2023 my husband was in the bank to do some withholding from another account. The manager and banker informed him that approx. {$100000.00} was taken from our business checking account by fraud, and we had a negative balance. After investigating, the info ( they said ) it all happened on my computer without my knowledge I don't know how and I don't know anything about their investigation. We need help!!!! We just can't take their word for it.

The thieves used their team mobile phone to transfer the $ to their bank account which has been transferred and not retraceable.

My husband is currently working with the head honchos on the phone with the Bank in another state where the headquarters are located. They don't return his calls, when they say they will call back within 48 hours.

What do we do??? I can scan some items if needed, Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I discovered that part of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to verify certain items. It is not allowed to report these items as unconfirmed information within the legally allowed time range without providing any supporting documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

Goldman Sachs I am writing regarding my account with your company, which has been charged off and closed. Based on my understanding, once a debt is charged off and written off for tax purposes, the legal obligation to pay is removed. Therefore, I am requesting written confirmation of the charge-off status and verification that no further collection efforts will be made on this account. 

Additionally, I have concerns regarding the account balance. My original credit limit was {$500.00}, yet the balance reportedly reached {$1500.00}. I request a detailed breakdown of how this amount was calculated, including any fees, interest, and charges applied beyond my original credit limit. 
Please provide a written response addressing these matters within 30 days of receiving this letter. If the account has been sold to a third-party collector, kindly provide the details of the entity that now holds the account. 

I appreciate your prompt attention to this matter. If any further action is required on my part, please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.
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 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 of funds.
Product: Debt collection

I sent a certified mail of debt validation letter ( XXXX ) to the address listed on the XXXX XXXX app and it was returned. Company failed to provide all information needed to validate debt. I did not authorize my personal information to be sold to a collection agency.
Product: Debt collection

The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, XXXX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me. 

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; Account name : XXXX XXXX XXXX Account number : XXXX Status : Account charged off. {$18.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Status : Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer right has been violated according to XXXX us code XXXX... inaccurate information is listed on my report which should be deleted immediately.
Product: Debt collection

The company calls me repeatedly from similar phone numbers. If I answer, the call is immediately disconnected by their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon intense inspection of my credit file I found a total of SEVENTY-ONE ( 71 ) errors and therefore SEVENTY-ONE ( 71 ) violations Experian made against me. Proof of these errors/violations has been attached to this CFPB Complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX XXXX XXXX I am distressed that Experian had included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 

Experians failure to positively verify these accounts HAS HURT MY ABILITY TO OBTAIN CREDIT AND I AM DISTRESSED. Under the FCRA, unverifiable accounts MUST be removed and if you are unable to provide me a copy of verifiable proof, you MUST remove the accounts listed below : I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT XXXX. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXXXXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 7. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT
Product: Debt collection

I have to 2 credit card accounts opened on my credit file fraudulently I have been goin back and fourth with XXXX  for 9 moths the other credit bureaus XXXX and XXXX removed the fraudulent files ... XXXX keeps staying its accurate but when I contacted the original lenders they cant even prove my identity. The accounts was opened online they stated and didnt have much of my accurate info so thats why its fraudulent opened accounts ... Please this has been dragging my credit score up and down thru the mud its already bad we are in a pandemic please help me
Product: Checking or savings account

On XX/XX/2023, I wrote a personal check for {$1300.00} made payable to XXXX as payment on my credit card account. I mailed said check via USPS, along with the payment coupon, in the enveloped furnished by XXXX. On or about XX/XX/2023, the {$1300.00} was debited from my account, but it was not applied to my XXXX credit card account. 

Upon investigation, I discovered that JP Morgan Chase had somehow intercepted and deposited my {$1300.00}. I DO NOT NOW, NOR HAVE I EVER HAD AN ACCOUNT WITH JP MORGAN CHASE. 

I contacted XXXX, but they refuse to assist claiming they are unable to contact another bank. I filed a report with my local police department ( XXXX XXXX, Ohio ), but they are doing nothing to assist in the recovery of my {$1300.00} from JP Morgan Chase. I attempted to contact JP Morgan Chase, but they refuse to talk to me because again, I DO NOT NOW, NOR HAVE I EVER HAD AN ACCOUNT WITH JP MORGAN CHASE. 

My XXXX XXXX, XXXX XXXX XXXX ' ( XXXX  ) has been in contact and according to them, JP Morgan Chase has supposedly/allegedly started a claim ( Ref # : XXXX ), but they appear to be in no hurry to return my funds and has told the representative from XXXX  not to contact them for 45-days. 

THIS IS UNACCEPTABLE. I am a Veteran and Retired Federal employee. I have limited financial resources, and I am currently out {$2600.00} ( the XXXX bill still had to be paid ). This is a significant hardship. I do not understand how JP Morgan chase came in possession of my check because it was not mailed to them, nor was it made payable to them. As far as I am concerned, JP Morgan Chase has engaged in fraud and theft. 

How can the deposit funds not payable to them? This is fraud and theft, and they appear to be in no hurry to refund my {$1300.00}. This is a significant financial hardship and if my funds are not recovered soon, it will affect me negatively. Again, I'm retired and have limited income. 

Any assistance you are able to provide is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A COPY!!! or A DUPLICATE PLEASE READ There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 



XXXX- Acct # XXXX XXXX XXXX XXXX XXXX ADDRESSES THAT ARE NOT MINE!! 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Product: Debt collection

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX XXXX on my credit report. DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Question : how can a delinquency occurred XX/XX/XXXX yet the account was opened XX/XX/XXXX. The delinquency happened before the account was ever opened? How do you have a delinquency before there was ever an account????? I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account. They have change information on this account 8 times rather than deleting/removing the inaccurate item. 
NOTE XXXX different companies with the same account number # XXXX How can this be accurate and complete??????????? pursuant to FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : {$5200.00}