23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX 2023 I tried to buy a drink and get XXXX dollars XXXX at XXXX using my XXXX direct Debit card. The debit card is provided by XXXX through the company Payfare for earnings and debit usage. The XXXX took my entire purchase of {$37.00} off my balance and didn't give me anything. The XXXX XXXX named XXXX made sure that XXXX didn't have the money and tried to talk to XXXX on the phone to explain and they hung up on her. 

I've been trying nearly everyday to get help and they keep hanging up on me. I'm homeless, and XXXX is an anti-American scam used to persecute poor and disabled people. XXXX XXXX to me, XXXX XXXX to be held under water .... Then stolen from in early XXXX. XXXX years now. I've never had disability assistance for a severe XXXX that I've asked everyone for help with. So, homeless I have to eat bullets at the rate of {$37.00} dollars a pop or more... 

Not to mention last XXXX jobs I attained stole from me before making it to the end of the first pay period. You all drown XXXX people 's. Worst of all, I was XXXX by child abuse from doctors and society .....
Product: Credit card or prepaid card

I called to Barclays apple card to make a onefull payment and end monthly payments I want pay all since last 4 years ago but they said no to me they denied it. Im still paying me minimum monthly payment that it is all for interest i will never end to pay XXXX became in XXXX when i called them they was very un respectful with me they told Sir man fella also they use you have a trans voice man I feel denigrating every time I call them when i got the card i was paid a insuranse cuota saying if me lost my job they paying monthly minimum but they denied it too. 
they have m 5 years charging to my bank of American saving account minimum payment with out my permission i had to pay XXXX dlls but they charge my 99.99 % of montly mayoent to interest and I still having the XXXX to pay in my Barclays card. The account was closed with out concert my card was loccked but not my payments since 5 years ago they told me cause security reason they said they can trust in a women with a man voice they said that cause they sure i have man voice I never miss a payment they always taking the money from the women they said having a man voice bank account since the last 5 years in that moment when they receive the payment they doesnt think im a man rigth? 

Im denigrate Im insulted they broken my right they still my time and my money i need help to stop this
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX XXXX XXXXXXXX. The account in question is referenced as XXXX on my credit report. 

According to my records, this account was sold by XXXX  XXXX XXXX to a debt collection agency by the name of XXXX XXXX XXXX. Despite this transfer, XXXX  XXXX XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX  XXXX XXXX is incorrect because the debt was sold to another entity.
Product: Mortgage

I HAD A LOAN MODIFICATION H.A.M.P. DONE AND NATIONSTAR STOLE MY HUSBAND EXEMPTION FUNDS FROM XXXX, THAT I USED FOR WIRE TRANSFERS XXXX XXXX OR XXXX.
Product: Credit reporting or other personal consumer reports

A dispute was submitted last month to the credit bureaus regarding the account XXXX XXXX XXXX  XXXX, which is being inaccurately reported under my name. I am formally notifying you that this is not my account. My personal information has been used without my consent in connection with fraudulent activity, and I am demanding that an investigation be conducted in accordance with 18 U.S.C. 1028A, which makes it a federal crime to knowingly use, transfer, or possess someone else 's identification to commit a felony. XXXX XXXX XXXXXXXX is currently reporting XXXX as the original creditor ; however, I have never held an account with this company nor do I even know what XXXX  is. This information was included in my prior dispute, which Ive reattached for your reference. You were also informed that my identity was previously stolen and that a police report was filed with XXXX XXXX, resulting in the IRS requiring me to use an Identity Protection PIN for tax purposes moving forward. If additional confirmation is needed, you may contact the XXXX Police Department. I am under no legal obligation to prove that an unauthorized account is not mine the burden of proof lies with the furnisher to validate the debt. While your investigation is ongoing, I am demanding the immediate deletion of this account from my credit report, as it is not my debt. I have also attached a copy of my FTC Identity Theft Report to support this request.
Product: Money transfer, virtual currency, or money service

Hello PayPal team, my account can not be linked to bank and withdraw money, please help me
Product: Mortgage

After the bankruptcy discharge the bank that I have the mortgage at, Mr. Cooper, stated that they never received my money. I have a statement from the Office of the Chapter XXXX Trustee XXXX XXXX. XXXX, saying that the money was deposited. However, my mortgage bank Mr. Cooper says they dont have the money. 
I had called Mr. Cooper multiple times and they were not able to locate the money. I also, had my bankruptcy attorney contacted them. Unfortunately, after a year of trying I am in default, no one can locate the money I paid, no one has any answers for me. I am afraid of eviction any time. My statement shows that I still owe them money but already I paid $ XXXX, and no one knows where the money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX XXXX XXXX This is not mine 2. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX This is not mine XXXX. Identity Theft BK OF AMER XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to Transunion, XXXX and XXXX repeatedly and they show complete disregard for the law. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureaus show no respect for the laws. They need to be held accountable. Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.
Product: Debt collection

This debt don't belongs to me.It was a product of identity theft and I demand that it be block and or deleted from my consumer report. 15 U.S.CODE 1681c-2 Block of information resulting from identity. 
This is my second complaint with this company [ XXXX XXXX ] about the same issue. 
XXXX # XXXX. 
XXXX {$9000.00} This is a fraudulent Account made by someone other then me.
Product: Checking or savings account

very dissatisfied with how the bank handled unauthorized charges. They claim to issue provisional credit and then place provision on the provisional while they 'investigate ' as though the guilty party will admit to price gouging. They act as though they are throwing crumbs and you better be happy or else when the misappropriation is not due to negligence or offsite forcing me into overdraft despite a history record of not going over on purchases made. in short, with no prior deception, I can not be trusted to tell the truth while the merchant is operating with impunity. One such case is withholding to investigate a charge made when more than XXXX miles away with purchases done the same day to prove it. What more evidence is there to have than hard facts? My XXXX status did nothing because they were told ALL is XXXX benefits and protected for well over an hour no amount of reason made me whole. It's just another way of making money like the wait for clearance of checks. It's reckless with the record rise of inflation resulting from the pandemic. Merchants pull cons like overcharging before, during and after yet given the benefit of doubt while the victim gets XXXX XXXX XXXX, every XXXX matters. I can't work overtime like regular people and I'm tired of the bias that banks often engage in like it's their money taken, not yours. Unacceptable conduct through no fault of my own is demeaning and counter-productive if the only beneficiary is the offender themselves. Interestingly, it is also why unscrupulous businesses do the act in the first place. Or the 'who would they believe " rhetorical question.
Product: Debt collection

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete.

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies. 

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies.

To assist in your investigation, I am requesting the following : 1. A complete payment history, including all payments made, missed, and the corresponding dates.

2. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off.

3. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within 30 days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report.

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the Gramm-Leach-Bliley Act, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Product: Credit card or prepaid card

I have been trying assiduously to close/cancel a Chase credit card issued through XXXX ( or XXXX XXXX, ending in XXXX ) since early in the year, before covid. I have tried again, in XXXX, with the same result. Their phone system does not offer an option to cancel the card or to speak to a human being. Their online system routes anyone seeking customer assistance to a blog where customers are supposed to post how they solved their problem for the aid of other customers - but it does not get a response from a Chase representative. 

I want to cancel the card. I wanted to cancel the card before the annual fee was due, on XXXX. Since this was not possible, I payed the fee of {$85.00} to prevent damage to my credit score. I believe I have a positive balance on the card. I would like the {$85.00} fee refunded and the balance remitted to me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Product: Payday loan

I have gotten 2 collection calls from the NP group saying that I took out payday loans. I do n't remember getting payday loans. They said it was sent to a XXXX account and then I closed it to avoid paying the loan back. It took forever to get any paperwork from them they never told me it was an attempt to collect a debt. I paid them for one of the loans and luckily XXXX is taking care of it. Everything I call it does n't matter when number I call from or call to I get the same guy named XXXX. I feel like this is a scam and the government needs to investigate this company. The paperwork they had they said they would only email they do n't use the mail since it 's to slow and they want to close out the file they never told me the company the loan came from or what website I went to for the loan just that they got the file from XXXX. I found a number for them and it just keeps saying that they have. great offer from XXXX
Product: Mortgage

On XX/XX/XXXX, I took a XXXX draw on my heloc via online banking. The money never showed in my checking account, so I thought perhaps there was a waiting period. The credit union recently updated the heloc portion of their online banking. The next day the draw was reversed. 

On XX/XX/XXXX, I reattempted to draw XXXX from my heloc. I was hopeful this time that it would soon reflect into my checking account as it now reflected as money owed in my heloc. The money never showed in my checking account On XX/XX/XXXX, I went to the credit union to speak with someone about the issue. The teller told me that I forgot to put the number 4 at the end of my member number to signify the money needed to go into my checking account. Upon learning this Information, I logged in to the online banking application and was able to instantly transfer XXXX to my checking account ( I no longer needed a XXXX draw ). I asked the teller about the draw from the XXXX that needed to be reversed. She told me she would put in a ticket and follow up with me. 

It has now been well over two weeks and shes been unable to resolve the issue. In her message dated XX/XX/XXXX, she told me it could take a while for the issue to be researched by the team that deals with mortgage issues. Meanwhile, interest is accruing and my new payment is based off of the XXXX draw that they can neither account for or tell me when it will be reversed. I feel it is u reasonable for this issue to be going on for three weeks now.
Product: Credit card or prepaid card

I kindly request that you promptly update my account with the correct and accurate information.
Product: Credit reporting or other personal consumer reports

I have contacted MId land Creditors I was told since t5he balance has been paid in full that they will request that the trade lines will be removed from all reporting agencies
Product: Checking or savings account

On XX/XX/XXXX, along with everyone else, I was notified that my funds in Juno were frozen. Since then, I have not been able to access my funds and have become a victim of the blame game between Juno, XXXX, and XXXX.
Product: Debt collection

I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as XXXX XXXX XXXX continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX XXXX XXXX XXXX XXXX was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the XXXX XXXX XXXX directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''
Product: Money transfer, virtual currency, or money service

Blockfi https : //blockfi.com/ has stated that they have significant exposure to XXXX crash and therefore they do not allow me to retrieve the coins I have in their storage. 

I am the ligitimate owner of said coins that are supposed to be in cold storage, therefore such funds can't be legally used to satisfy creditors if bankruptcy comes to Blockfi. I want my money back. It is my money.
Product: Credit reporting

After a XXXX XXXX in XXXX, I was given a medical aid to use at home from XXXX XXXX XXXX. They were to bill my XXXX XXXX XXXX XXXX and I would pay the balance. They delayed the Insurance billing and I informed XXXX XXXX that I would pay after the Insurance XXXX was issued. XXXX sent my file prematurely to a Collections Company which reported a {$47.00} Collection Record on Experian and XXXX. In XXXX, XXXX I received notice of my Insurance Billing and an updated billing from XXXX which indicated my Insurance Company paid their share and I paid my balance which totaled {$9.00} in XXXX, XXXX. In XXXX, XXXX I submitted a Refinance Application for my home and discovered a Collection Record on my Experian and XXXX from XXXX for the original amount of {$47.00}. This should never have been sent to Collections and my account has been paid " on time '' with XXXX XXXX in conjunction with my Insurance Company payment. My Mortgage Lender tells me that this item has decreased my Mortgage Credit Score by at least XXXX points and I will be forced to pay a higher Interest Rate and Loan Service Fee unless I have this erroneous Collection Record removed from Experian and XXXX. XXXX is not reporting the Collection and my XXXX Mortgage Credit Score is XXXX, while my Experian and XXXX Mortgage Credit Scores are both in the high XXXX 's with this particular Collection Account as the only Negative Item reported. I have all the billing and payment information to show the transactions as I described and I need this erroneous and Collection Record removed from Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

NCSPlus Incorporated - This collection agency is representing XXXX XXXX, who we do not have a written or signed agreement with to provide any form of service. We asked XXXX XXXX to provide us with documentation of a written commitment to their company for the money owed and received nothing. Now ... this collection agency continued reporting to credit bureau and are ruining my credit score, which we completely dispute as fraudulent charges. The company should make sure charges are valid with the companies they work for before they try to collect on them, 2 ridiculous charges are in my credit score ruining like collection : 1.XXXX  XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX 2. XXXX XXXX XXXX Opened XX/XX/XXXX - {$13000.00} Original creditor : XXXX XXXX No one in my family performed a XXXX or something else to charge me the ridiculous amount of XXXX XXXX dollars, anyway I always have a medical insurance on XXXX by XXXX XXXX XXXX and I have proofs, this collector agency has a record of fraud charges with no valid proofs
Product: Consumer Loan

BEING XXXX BY CASH CALL ON A INSTALLMENT LOAN ... //
Product: Credit reporting or other personal consumer reports

After a thorough review of my updated credit report, I have discovered that your company is reporting inaccurate and incomplete information that is adversely affecting my creditworthiness.