23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.
Product: Mortgage

I recently reached out to Wells Fargo, my bank for refinancing my loan. My current loan is with Wells Fargo. After indicating that I wanted to pull money from my equity to pay outstanding credit card accounts ( totaling $ XXXX ) to raise my credit score from XXXX to a higher number and reducing my outgoing expenditure, the loan officer assured me that with my income, this should be no problem. Did the appraisal, property was appraised at $ XXXX. Current loan is $ XXXX. They told me to contact all creditors and close the accounts so I can qualify for the line of credit as well as the refinance. Once I did all that, my credit score dropped by XXXX points standing at around XXXX. Now, they have denied my loan saying I do not have sufficient income to cover the cost. They should have checked all the supporting documents prior to approval process. The gross error was on their behalf. Now my credit score is very low to even apply for any loan due to closure of the credit cards, paid for appraisal that I can probably not get back. Please help. I can provide you with all communication, letters, documents indicating my loan was pre-approved. Thank you!
Product: Checking or savings account

Chase arbitrarily decided Im responsible for the fraudulent reversal claim on my checking that the fraudster made on my checking account. The fraudsters reversal claims unauthorized were, my monthly payments of purchased money orders debited from XXXX, utilities payment, all monthly payment debited Creditors, and my joint account with my daughters their monthly payment to IRS.These transactions in the amount approximately {$9000.00}, that Chase Bank is withholding my pension directed deposit, to pay back monthly. thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

Greetings, On XX/XX/2018, I initiated a transfer of USD XXXX via Western Union to my sister ( XXXX XXXX XXXX XXXX XXXX ) in XXXX, XXXX ( XXXX XXXX ). She could not collect that money because she was denied by the cashier without any further explanation. 
Of note, there was another transfer made by another family member to the same receiver XXXX XXXX XXXX XXXX XXXX ) to be picked up that same day ( XXXX XXXX ). She effectively collected that one in XXXX on XX/XX/2018, at XXXX local time. 
Given that the transaction # XXXX XXXX was denied, I reached out to Western Union for a refund, which they declined, claiming that it was paid to the receiver. I opened an incident report for clarification. Upon investigation, Western Union claimed that the money was collected in XXXX, a city about 150 miles away from XXXX on JXX/XX/2018, at XXXX XXXX EST ( i.e XXXX local time ). 
I reached out to Western Union again and I provided all the required documentation for the investigation. I remember speaking with XXXX ( fraud department ) who, upon review of the documents, agreed that it is unlikely that the money was collected by the receiver. She promised to escalate the case to the higher authority within Western Union. The last time I spoke with her, she recommended that I file a claim with the police. 
In summary 1. Transfer # XXXX XXXX : declined 2. Transfer # XXXX XXXX : collected on XX/XX/2018, in at XXXX in XXXX, XXXX 3. Request for a refund on the declined transaction is rejected by Western Union 4. Western Union claims that Transfer # XX/XX/XXXX XXXX was collected on XX/XX/2018, at XXXX in XXXX, XXXX Major discrepancy : The same person could not have collected two transfers within 14 min in two different cities that are at least 150 miles apart ( comparable to completing two transactions PHYSICALLY in XXXX and XXXX within 14 minutes ). This is humanly impossible even if traveling by air. Besides, the transportation infrastructures in XXXX are not among the best in the world. 

I really need your help with this matter. USD XXXX ( plus fees ) is too much money for me to lose. Western Union needs to refund my money if they can not explain to whom it was paid to. It was definitely not to the receiver I requested according to their terms and conditions of service. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I Am Writing To Formally Express My Concerns Regarding Zelle 's 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. The Informed Me That Recovering Lost Funds Was Impossible And That Tracking These Transactions Was Unfeasible. The CFPB 's 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 am unaware of this debt. I did not have an opportunity to dispute this debt. If you believe you gave me proper notification, please send me the certified mail receipt with my signature stating that I received this notification.
Product: Credit card or prepaid card

Good morning, I have attempted to close all my TD credit cards ( XXXX, and XXXX ) but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Product: Credit reporting or other personal consumer reports

AVA/XXXX XXXX XXXX XXXX This company is also reporting inaccurate information because the true name of this company is AVA FINANCE INC not XXXX AVA/XXXX  ) In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : XXXX XXXX Reference Number XXXX
Product: Debt collection

XXXX  doesnt belong to me, I dont have a contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX Experian XXXX XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.
Product: Credit reporting or other personal consumer reports

I disputed an account with XXXX XXXX on XX/XX/year> company and credit reporting agency, Experian, they stated the account was verified as accurate on XX/XX/year> and would remain on the credit report. Experian did not provide the requested validation. I submitted a second dispute for the same account on XX/XX/year> and Experian again stated on XX/XX/year> that the account was accurate and would remain without providing any validation information. I submitted a third dispute for the same account on XX/XX/year> and Experian stated the account was verified as accurate on XX/XX/year> and would remain on the credit report without providing any validation information.
Product: Credit reporting or other personal consumer reports

Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from Zion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXXXXXX XXXX XXXX XXXX  this is incorrect and is not my debt. 
Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. 
The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.
Product: Credit card or prepaid card

Thank you in advance for your time and expertise in negotiating correct resolution of my dispute with Citi Bank. Date of transaction XX/XX/2019. Date of dispute XX/XX/2019. Amount of dispute {$4100.00}. 

I hired XXXX XXXX, XXXX XXXX XXXX, to create a comprehensive social media marketing campaing launching my new bed product. The social media marketing campaign was to be completed in 30 days following my initial payment of {$4100.00}. 

The services and product I paid for was a complete e-commerce   website included a minimum of 5 tabs plus ability to process credit card purchases ; A XXXX business page with ads ; a XXXX page ; a XXXX page ; and a XXXX page. Each of these sites were to connect with XXXX ad words  and phrases to market my new bed product via social media. 

I spent 10 hours completing the onboarding questionnaires requested by XXXX XXXX, XXXX XXXX XXXX to allow for the team to create this in depth social media marketing campaing for my new start up company. My communication in these questionnaires detailed my company and the bed product in such detail that they could easily complete the social media campaign build. 

At the 30 day mark I had not received one completed site. Each of the partial sites had incorrect company and product name and no content had been built. The website provided was a simple 'template example ' and not a usable company website for my business. 

I wrote a letter to Citi Bank credit card company filing my dispute on XX/XX/XXXX. After 2 weeks I called to follow up on my dispute and was told they had no record of my dispute. The Citi Bank credit card representative took my verbal dispute at that time. 

I also filed a complaint against XXXX XXXX, XXXX XXXX XXXX to the FTC at this time. I am considered a protected aged class per the FTC on this particular type of fraud due to the nature of taking advantage of an aged person typically unfamilar with social media aspects. 

Citi Bank assured me they would do a detailed and thorough examination of my complaint " disputing payment for services not provided ''. I closed out my credit card account due to this fraud for security purposes. The following day XXXX XXXX, XXXX XXXX XXXX called me to tell me they were declined on another charge they processed that same day. I explained that I had cancelled the card until which time I receive the product that I paid for : {$4100.00} to create a comprehensive social media marketing campaign launching my new bed product. The XXXX XXXX, XXXX XXXX XXXX representative said they didn't have any information from me to create these site. 

Citi Bank has denied my dispute for " payment for services not rendered in the amount of {$4100.00} '' simply because I communicated with XXXX XXXX, XXXX XXXX XXXX. 

Thank you in advance for your time and expertise in negotiating correct resolution of my dispute with Citi Bank. Date of transaction XX/XX/2019. Date of dispute XX/XX/2019. Amount of dispute {$4100.00}. 

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

I purchased a vehicle from XXXX XXXX XXXX in XXXX of XXXX  with a cashiers check from my bank Chase. After six days with the vehicle it started having issues so I promptly returned it. I was mailed a cashiers check from XXXX in the exact amount I put down on the vehicle and deposited it into my Chase checking account.

About two weeks later I went to Chase to make a cash withdraw and my card was not working so I schedule a meeting with a banker and was told that my account was closed for fraud. I asked multiple times why and what I could do and this bank had no answer. I proceeded to travel to at least five different Chase banks over the next two weeks, and received a different response each time. One bank said it was fraud and could not tell me anything else, one bank said it was because I needed a letter from my employer, but most of them did not tell me anything. I eventually walked into a Chase Bank in XXXX and decided to cause a scene, because at that point I was told so many different things and had not had access to my only bank account for almost two months. I only survived because my work provided me with meals and I borrowed money from a friend to put gas in my car. As usual the banker said they could not do anything and my account was closed for fraud, I started yelling and cursing at him and the bank manager came over. I pleaded my case to him through tears and he sat down and said he would spend the day getting this figured out with me. After about two hours of deliberation between his corporate office and XXXX, I got my bank account and my money back. At one point Chase 's corporate office stated that I would have to bring an employee from the dealership to their bank to verify my story. I was not able to pay any bills during this two month period and my credit score dropped XXXX points to the XXXX. I have not been able to get a car loan, persona loan, or even move since then. I have had to rely on making cash payments for everything. I deserve to have my credit score brought back to where it was before Chase ruined my life. When I entered the Chase Bank in XXXX I had planned to take my life if I was told the same thing again. For the first time in my life I had over {$10000.00} in my bank account and Chase decided to ruin me. I have called Chase 's corporate office about this dozens of times since then and they simply do no nothing. I had tried contacting lawyers but nobody wants to go against Chase. It just occurred to me this morning to trying contact government agencies. I will be sending this same message to the Federal Trade Commission and the Office of the Comptroller of the Currency. 
Thank you for taking the time to read my story.
Product: Student loan

Dear CFPB, I have graduated from XXXX University back in XX/XX/XXXX with a student loan in the total amount of {$33000.00}. My monthly payments have started in XX/XX/XXXX in the amount ~ {$190.00} per month. This monthly payment amount was suggested to me by the lander and that is exactly what I have been paying for the last 10 years. 
Recently I have conducted an analysis of my loan to see where do I stand with my student loan balance, per Navient 's loan history, as XX/XX/XXXX, I have paid {$14000.00} so far toward the loan or in other words {$14000.00} is the total amount of payments that I have made in the last 10 years. However, I have noticed that my current balance is still at {$34000.00}. So I have decided to contact my lander, Navient, and get a clarification on this matter and hoping this is just a mistake that could be easily fixed. So I picked up the phone immediately and called Navient customer service, and to make long story short, I have been told that, if I continue making these payments FOR THE REST OF MY LIFE, I WILL NEVER PAY OFF THIS LOAN. 
What am I complaining about and what do I need as resolution to this HUGE issue : 1. I would like CFPB to publish this on consumerfinance.gov 2. I would like your help to make Navient apply my {$14000.00} towards my loan principle and not them telling me that all my payments went toward interest since this is how federal loans work Why my request should be fulfilled : 1. This loan payment term was never explained to me. And let me be VERY clear about what do I mean by clear. Back in XX/XX/XXXX, my lander did n't explain to me that if I only make $ XXXX month toward my student loan, I will never pay off my loan and it would stay the same for the rest of my life 2. I have been a great borrow, and I have made my payments in a timely manner for the last 10 years 3. I have worked hard for this money that I have paid so far and it is not fair nor right to tell me today that all of it went into interest Sincerely yours, XXXX
Product: Debt collection

Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through Medicaid. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX billing department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. LOANME IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are currently reporting incorrect negative information on my tradeline. They are all reporting that an account on my TRADELINES is charged off with multiple late payments. The account is XXXX XXXX. I was notified that the status of my account was charged off when in fact the account has been paid in full and was paid current. This account has not been late and is not charged off. Attached is proof that the account was paid on time and paid off.