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

I bought tickets for a flight to XXXX on XX/XX/2019, to XXXX for departure date of XX/XX/2019. When I received the ticket and invoice to my email address, the name on the ticket did not match the name I had entered. I called the booking agency to figure out why my name was not on the ticket and how I could get a ticket for my name. They stated that any changes to the ticket require a {$120.00} fee. I refused to pay the fee as it was not my problem that they had made a mistake on their end. They would not refund me or change my ticket without an additional fee. I then filed a chargeback with my credit card company, Citibank, under " services/goods not received ''. I sent over all the required documentation to my credit card agency and received a letter stating that they had closed the case and I would have to pay the charge since they did not receive the documentation asked for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX, Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i discovered an account with XXXX XXXX XXXX listed on my credit report with a balance of {$1300.00}. This account is inaccurate and does not belong to me. I immediately contacted XXXX XXXX XXXX to dispute this erroneous collection. Despite my efforts, including submitting a formal dispute and providing supporting documentation, the company has failed to remove the incorrect information. This negative entry is unjustly impacting my credit score
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, which appears on my credit report. I do not recognize this address, nor have I ever resided there.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the item are reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXXXXXX XXXX Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Mortgage

A text was given XX/XX/year> at XXXX to someone who I no longer associate with and have not spoken to in over 10 months of all my information about a new loan, with potential rates and options. I did not give this phone number out and the message was addressed to myself but the wrong phone number was sent this information. I never received a message from this company, and never worked with them, and was never given this information prior. I have since tried calling the individual who sent this information, but was left on voicemail, still waiting a callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to a XXXX XXXX. She said I signed a document to have online statement. Again for 3rd time writing pnc nothing has changed when I told them I am a very busy man. I have over 1000 properties in real estate. I hired my mom to stay at home with my XXXX grandma and to pay my bills which I went to pnc have a worker at pnc that will testify I went in to change address and get statements in mail like I did for XXXX and other cards that didnt mess up and not change my address along with that they know I changed my address and keep sending the letters to address that isnt mine so Im asking since I havent received notice. Im asking that the negative item be removed because of them sending info to wrong address didnt change my address and didnt change my asking to statements. 

Pnc is completely wrong for this and it is their fault. And again I have a worker to help consumer finance get the truth about this horrible bank. Messed my credit up because workers cant get their job done.
Product: Student loan

When I started college, I was single mom, with XXXX kids.I was in low income single head in a household.The student loan kept adding up.Even I was working all the time so not get student loan.The yearly interest was flying rapidly.I 'm trying to catch with the student loan.Navient had called me for loan forgiveness since I worked full time sub-teacher.When I talked to Navient they change what they said, they want me to pay $ 560 monthly.They added and pile the loan on my credit report.With yearly interest 14.9 %. I spent hours and hours talking to them with no success.I told them I need an income plan for the payment long time ago.They called me am qualify for loan cancelation and I called back nothing had done.They had called me more than ten times am qualify for govenment forgiven program, I called back and nothing had done.I 'm so sadden and confused, I felt am in prison on my student loan problem with no seems to end or go nowhere.Am still in low income trying to help my XXXX kids in their life.Am in Housing Authority program.I lived in the same home for 11 years, always I felt my home just my prison with no freedom.Navient had ruin my credit history and made my credit score very negative and look bad.I want them to remove those piled student loan with very high interest to be removed from my credit report.
Product: Debt collection

XXXX XXXX in XXXX erroneously billed me for {$100.00} after I dropped their internet service. XXXX XXXX admitted to the error, and cleared the amount from my XXXX account. However, XXXX still sent my account to a collection agency, Credit Protection Association, which continues to fraudulently harass me asking me to pay this amount, which I never owed.
Product: Credit reporting

XXXX XXXX XXXX has agreed to remove any marks on credit reports for debts sold since 2007. XXXX has not removed this account information from my credit report. 

" For all credit-card debts sold since XXXX 2007, court records show, the bank will remove any marks on consumers ' credit report ''
Product: Mortgage

For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected. 
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information regarding my credit report. 
Chapter XXXX Bankruptcy XXXX XXXXXXXX XXXX and wrong addresses on my credit report. 
the credit bureau has not responded to my letter and i have since sent another asking them to comply and respond to my first letter which has been well over 45 days.
Product: Debt collection

I constantly receive calls and messages from a company called Portfolio Recovery claiming that I owe someone Called XXXX. I have told them repeated times over the course of a decade that I have no idea who they are and have never had an account with XXXX. They have been harassing me for years and it is way past time for the harassment to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint is in regard to the mishandling of Zelle with disputed and how they failed to accurately keep my account safe. In the light of the recent CFPB lawsuit which highlights the significant issues the platform. I have been using Zelle for years and while I have reported discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They only let me know that I wouldnt be able to recover any of my funds and that it wasnt a problem they could help me with. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also have 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Under the Fair Credit Billing Act, 15 U.S.C. 1666, I have the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ 1681b ( f XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately. 

XXXX. XXXX XXXX XXXX - XX/XX/year> This inquiry was not authorized - I did not provide written consent for you to include this account on my credit report. Please delete it immediately.
Product: Debt collection

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off I have tried numerous times to have this situation resolved with no resolutions. 
CREDIT COLL XXXX.
Product: Money transfer, virtual currency, or money service

I have been using PayPal for almost XXXX years. I am very used to sending and receiving money with it and also seeing fees for any additional services such as faster than usual transfers of money. I recently started a Business account with PayPal and with my first transaction was hit with a very large fee ( almost {$600.00} out of a {$16000.00} transaction ) for literally no additional service outside of the wallet function that is free in the non-business account and no warning that I was going to be hit with such a fee. If I had been shown a warning that I would be charged for that function - as they do with other transactions - I would not have used the service, which must be why they bury the fee schedule.
Product: Mortgage

To whom it may concern, We bought a townhouse in XX/XX/XXXX with a mortgage from XXXX. After closing, XXXX transferred us to Mr. Cooper ( Nationstar Mortgage ). 

The issue here is that Mr. Cooper suddenly increased our monthly payment by {$300.00} in XX/XX/XXXX saying we have a shortage in our Escrow account, and we found that {$1500.00} has been charged in XX/XX/XXXX for home insurance from a different company than our existing home insurance company, XXXX. However, based on our final closing loan statement, we bought home insurance from XXXX and prepaid 15 months premium ( 12 months premium at closing, and 3 months premium to our Escrow account ). Representatives of Mr. Cooper said because they didn't get our home insurance information from XXXX, XXXX, and/or us when we were transferred to Mr. Cooper, they arbitrarily put home insurance on behalf of us without our permission ( or even notice ) to our Escrow account, which cost tripled than our existing XXXX  policy. We haven't received any notice/request/question from Mr. Cooper about our home insurance. 

Having troubled waiting and being ignored by the representatives of Mr. Cooper, we finally made it to have long and inefficient discussions with them, and they said they will try to cancel the redundant home insurance policy and refund the premium. 

First of all, we truly regret that XXXX transferred us to a " reputable '' mortgage company like Mr. Cooper, doing this absurd thing. We've been trying to reach them for two weeks with more than 8 calls and 3 emails. 5 out of 8 calls were not received after a 30-min wait each and 2 out of 8 calls were just suddenly hung up by the representative of Mr. Cooper in a very uncourteous way. 

Second of all, how could this happen earthly? Did XXXX drop our home insurance information when they transferred us to Mr. Cooper? Is this possible for financial institutions like XXXX and Mr. Cooper? 

Lastly, after all these troubles, Mr. Cooper is still saying we have to check again next week to see whether the fix has been made correctly. Still, nothing has been changed in our account on their website. Also, nobody says sorry to us so far.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, Cash App suffered technical issues that prevented me from accessing my Cash App account and making direct deposits. After supposedly fixing the problem, I was still unable to access my account. I contacted technical support at XXXX ( XXXX ) XXXX, a technical support representative advised me to upgrade the app on my phone to the latest version. According to the technical support representative, I had an older model XXXX and that was the reason I was having issues accessing my account. I was instructed to upgrade to a newer model XXXX, which I subsequently purchased. After purchasing a brand new, very recent XXXX model, I was still unable to access my account. 

For 4 days, I spoke to nine Cash App support representatives over the phone. Not one Cash App support representative was able to help access my account. Multiple Cash App support representatives guided me, over the phone and through the chat function within the app, every troubleshooting step to regain access to my account failed. Not one worked including opening a new Cash App account. The Cash App support representatives said that they would transfer the funds from my old account to this new account. 

In the end Cash App was unable to transfer the funds, claiming it was due to security reasons. I have reached out to Cash App multiple times over the phone and chat function. I have given Cash App support representatives all the information they have requested to confirm my identity and to view my balance and all activities pertaining to my account, but Cash App still refuses to give me access to my funds and my account. I requested to escalate my case to a manager or supervisor multiple times. Cash App support representatives advised that a manager would contact me via email. Ultimately, I have received multiple emails stating Cash App can not help me recover my funds. 

I want Cash App to give me the {$2000.00} balance in my account plus {$680.00} for the XXXX I was told to buy..
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute of items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must emphasize the importance of this matter to me. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further by filing a complaint with the Federal Trade Commission. It is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.
Product: Debt collection

ISSUE # 1 XXXX is billing me for services NOT received. 
My service was disconnected XX/XX/2020. 
I switched service in order to work from home, due to the coronavirus, XX/XX/2020. 
XXXX has not credited my account for the XX/XX/2020 payment of {$250.00}, even though the check was cashed ( Check # XXXX, cancelled XX/XX/2020 ). 
XXXX XXXX records show service through XX/XX/2020. 
I have communicated this dispute in writing to XXXX on 4 occasions. 
XXXX has sent this debt to collections and it is on my credit report. 

ISSUE # XXXX XXXX has credited my other account {$140.00} XX/XX/2020 and sent me a XXXX card for the same amount. 
On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. 
I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.