23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This company claims that I owe a balance to them, yet they do not have a complete repayment history, Promisory Note or sufficient origination documentation to support the claim. The payment history they can produce reflects the introductory interest only payments well into the full repayment period. I have tried over the past two years to resolve the problem. I have repeatedly requested the balance be reevaluated and told them that if there was a small remaining balance, I would gladly pay it. Each time I speak with a representative or specialist, they have little to no record of past communication, written or verbal. They continue to report negative information on my credit, and every time I try to dispute the debt reflected on their core system, I am told that I am responsible for providing documentation supporting that I don't owe this debt and that they are not required to keep any documentation older than one year. At one point I provided a claims specialist named XXXX with several statements showing that the loan was in the repayment period for a time when their records showed interest only. Those statements proved that I was paying more than double what their system records reflected. After that, Navient stopped reporting the balance to the credit companies. I thought the matter was over until the reporting started again and the company didn't have records of me working with XXXX. XXXX could no longer be reached on her " direct line '' and Navient reps said no documents were received. 
It is next to impossible for the consumer to compile deposit account records to show over a decade of repayment history and prove they no longer owe a debt. Shouldn't the burden be on the owner/servicer to provide documentation in order to accurately calculate a loan balance or prove that any debt is owed? I paid my debt timely and in good faith for the term of my loan. 
For consideration ... when my student loans were consolidated with XXXX XXXX, they were duplicated on their system and ultimately on my credit report. The error was discovered when I applied for a home loan, and was successfully disputed with the credit companies. The balance Navient is claiming is so large that I'm concerned the loan they are trying to collect on was a duplicate electronic record.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late fee was added when I was paying off my loan but unfortunately I wasn't informed. After leaving the bank thinking that I paid the loan off, the late fee remained and I never paid it assuming it was their error. Before I had to fix the situation, the bank placed a charge off to my credit. After complaining about it for 2 years, they are unwilling to fix it. It is now affecting my attempts of refinancing my primary home mortgage. This {$20.00} late fee is costing me tens to XXXX XXXX of dollars. I've filed a dispute with every credit union and BB & T bank.
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. Thea action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to 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 and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was infeasible. The CFPBs 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDXXXXXXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently went through my credit report and noticed several accounts that seem fraudulent and were added without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus, TransUnion, XXXX, & XXXX  are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Product: Money transfer, virtual currency, or money service

Unauthorized Charges... Totaling XXXX dollars. Cashapp is denying the claim.
Product: Debt collection

After looking at a copy of my credit report I realized that NFCU has been reporting negative information on my report. Inaccurate information being reported about 3 credit card accounts. accounts that i have been in communications with NFCU about to validate. I have sent NFCU several correspondence including full payments of all accounts. my securities were kept and still efforts to collect unowed debts continued. first correspondence thru XXXX certified mail. XXXX dated XXXX XXXX correspondence XXXX certified mail with return receipt. XXXX dated XXXX containing securities and affidavit of truths that were never rebutted. as you know to acquiesce is to agree, therefore my affidavit stands as truth. My ultimate goal is to deal with clean hands always. I also sent letters to the billing department which should have stopped all collection efforts while it was investigated and NFCU chose to violate their own contract and violate my consumer rights according to the fdcpa and the FCRA. I did all I could and I have exhausted my options. My intention is to have NFCU cease all communication and delete the 3 credit card accounts. unless they can prove validation with wet ink signature that bounded me to repay. If not, please delete and stop all collection efforts, and stop reporting this frivolous claim that is hindering me from obtaining credit. account # XXXX account # XXXX account # XXXX furthermore these accounts are charge off accounts although, they were fully zero 'd out with the security payment/ remittance. NFCU kept my securities and are demanding to extort me. I haven't received no XXXX from them for the charge off accounts. let 's work this out amicably and delete these accounts unless you have a contract to prove otherwise. I have put you on notice according to 15 usc 1692c cease all communication and collection and delete this off my report.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Im a victim of my personal information being breach with these credit bureaus. Theres inaccurate information in my credit report and need this information to be removed.
Product: Mortgage

Loancare, a XXXX  Company. NMLS # XXXX is my Mortgage company i had found out that my PMI was only supposed to be for 2 years or until my mortgage amount drops to 80 % Loan to Property value. I tried to contact that and give them letters in writing since XXXX XXXX until XX/XX/2019. They denied my request every time saying that i have to pay PMI for 11 years. It sounds improper or ILLEGAL to me. I am being charged XXXX $ for PMI per month which is very high and ridiculous. 

PLEASE HELP ME- I am STRUGGLING!!
Product: Debt collection

There is 1 alleged debt under my name and credit report with Credence Resource Management. Since the first alleged debt was bought by Credence Resource Management. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate erroneous and Unverified inquiries in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX is reporting a negative account on my credit file from XXXX XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts for this company Hunter Warfield to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact Hunter Warfield. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
Product: Debt collection

Portfolio Recovery in prior years and since XX/XX/2022 and now recently XX/XX/XXXX. Portfolio Recovery have been calling me every other day and so often calling sometimes 3 times a day and sometimes as frequent as twice a day. So they call from so many different numbers and even has tried calling from my hometown area code in hopes that i will answer because it's a local number. Luckily I have a smart caller ID on my cell phone. So what I do and have been doing is blocking every number they call from. It's really getting annoying and harassing. They have bought this debt from XXXX Bank and have changed and updated there connect with me. This debt was closed by XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing
Product: Checking or savings account

Wells fargo closed my new account right after it had been opened on XX/XX/2015. Why did they make me drive back and forth to the bank? If they were going to just pull this dirty thing on me and get me embarrassed when I tried to purchase something. Wells fargo said it in writing it was because I harassed XXXX XXXX, they can never explain how I harassed her because they can't because she harassed me. MY first account was open for 1 year with no issues. XXXX XXXX should be banned from banking for how my private information along with my sons was compromised and it wasn't any misunderstanding! Why did they even open the new checking account if they were just going to close it? I was wronged by XXXX XXXX and wells fargo. All they want to tell me is that they have a right to close it. But I had the original one open the first year without them exercising their right to close my account. Banks have way too much freedom to do people wrong. It was all a setup to get rid of me. XXXX XXXX was not at the bank on XX/XX/2015 but just happen to be at the bank on the last day I was finishing up opening my new account. It seems they are still covering up for XXXX and XXXX XXXX for the criminal things they have done against me along with the other female employees at the XXXX XXXX location branch. I am still being denied justice!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX  continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the XXXX  account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Product: Debt collection

Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.
Product: Credit card

XX/XX/year> : Amex closed credit credit and removed the option to make payments normally via i phone web application and or via online web services, even though these options were previously available to pay. 

Asked for a supervisor to address why the payment options no longer available - received no clear answer as to why previous payment options online or via web browser were no longer available. Amex blocking customers from making payments via mobile app, and also online. Only offering 1 limited way to make a payment via phone, and had illegally revoked other payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my report that are not mine. Victim of ID Theft XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from QUALITY ASSET RECOVERY and XXXX  XXXX XXXX SYSTEM.The results of these investigations stated that the accounts were verified as accurate. I want either or both companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. 
Acct # XXXX I am not disputing or asking for verification, so I DO NOT want to see a copy of a bill or an invoice stating what is owed. I know my rights under the FCRA and the FDCPA and I am willing to seek further legal action if necessary.
Product: Credit reporting or other personal consumer reports

I requested Experian to verify my identity and process my formal dispute regarding inaccurate negative information on my credit report. I provided all necessary documentation, including my Social Security Number, drivers license, and a recent utility bill, to confirm my identity. Despite this, Experian has rejected my disputes twice, citing an inability to confirm my identity without providing a valid reason. The first request was made on XX/XX/XXXX and the second request was made on XX/XX/XXXX. They have failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to conduct a proper investigation into the disputed information within the required 30-day timeframe.
Product: Debt collection

This company is called CKS financial XXXX XXXX  XXXX. Reference number is XXXX. They say I have an account XXXX XXXX NA unpaid for the amount of {$910.00}. I have neber opened any bank account or credit line with XXXX XXXX  ever. Its not even on my credit report. They call repeatedly and never leave a message from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I live in Va and submitted a letter via email on XX/XX/XXXX withdrawing ACH authorizations on my Checking account. I call after XX/XX/XXXX and on XX/XX/XXXX to esatablish a payment plan. I was not aware payments would be deducted twice a month. XXXX XXXX would not work out a payment plan with smaller payments.