23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I began payments on my XXXX student loan. I made monthly payments to XXXX until my loan was sold to XXXX in XXXX. I then paid them monthly until XXXX stopped payments. I continued to make payments when I could and my loan was sold to Mohela a few months ago. I still made payments to Mohela and when the loan started up again I looked to see how much I had left to pay. My heart sank. I now owed over $ XXXX. How did my loan grow? Before XXXX it was in the low $ XXXX range. I contacted Mohela and asked them this question. They could not answer. I requested a record of every payment that I have EVER made as they should have received those when they bought my loan. I tried to contact XXXX but I no longer have an account with them and could not speak to them without one. It has been almost two months and Mohela still has not provided me with an explanation or record. I would like Mohela to bee looked into because I believe that they made a mistake along the lines. They were either charging a gross amount of interest during XXXX, which was not supposed to occur, or they messed up the amount owed. I believe that others are also having this issue and that this company needs to be looked into.
Product: Checking or savings account

I have opened a business account with chase. I understand that funds needed to be generated. I wasn't able to put funds into the account until my business started. chase have closed my business account without no explanation i have called asked to speak to managers they have not been professional about contacting me about this matter, so i just lost in the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On a recent trip out of state, I lost my cell phone with the cell phone number that is used for the 2 step verification process to access my on-line Wells Fargo accounts . The website insists on using the lost cell phone number to send the 2 step verification code needed to access my Wells Fargo account and does not offer another option like using my email address NOR SPEAKING ON A PHONE WITH A BANKER, and does not provide any other option ( like my email address ) to send the verification code to. I called Wells Fargo and informed them of the problem and gave them the replacement cell phone phone number. " Takes 3 days to verify the new cell phone number '' I was told. 3, business days, not counting weekends. Today is the 3rd business day and I called Wells Fargo Customer Service. " Verification of the new cell phone number has not yet occurred '' I was told. They are talking to me on a cell phone, the number of which I previously provided, I can provide them any and all account numbers, etc., SO WHY CAN'T THE BANKER I'M TALKING TO BE ABLE TO GIVE ME ACCESS TO MY WELLS FARGO ON-LINE ACCOUNTS? I even have to say, " My voice is my password, please verify me '' to even get to a banker to talk to!!! " It's the process '', I'm told. Well, their " process '' XXXX!!!
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX Account XXXX. XXXX is showing as a charge-off but this account is not mine and has to be removed. According to the 15 U.S.C 1681 law there shouldn't be any inaccurate and unauthorized information on my credit report. This is a defamation of character and all unauthorized accounts should be deleted immediately.
Product: Debt collection

I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The company received a Notice and Demand to Validate Debt Claim on XX/XX/2020,  according to the tracking info on the Notice. As of XX/XX/2020, no response has been received and the company is well over the 30 days alotted in the Notice and Demand to Validate the Debt. A Fiduciary Appointment was mailed and received by the company on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, unauthorized charges began appearing on my Cash App account, escalating significantly through XX/XX/year>. Total fraudulent charges amount to {$3500.00}. Here 's the sequence of events : Pattern of Unauthorized Charges : XX/XX/year> ( {$46.00} ) : Small test charges appeared ( XXXX, XXXX XXXX ) Unauthorized food delivery charges XX/XX/year> ( {$840.00} ) : Multiple ride-sharing charges ( XXXX, XXXX ) XXXX subscriptions Retail purchases ( XXXX, XXXX ) Large charge to " XXXX XXXX XXXX '' ( {$240.00} ) XX/XX/year> ( {$2600.00} ) : Most significant fraud activity XX/XX/XXXX : Multiple Apple charges totaling {$100.00} XX/XX/XXXX : Over XXXX unauthorized " XXXX '' transactions in a single day ( ~ {$900.00} ) XXXX subscriptions Large retail purchase at XXXX Rack XXXX {$500.00} ) Security Measures & Reporting : Device was secured with PIN No sharing of credentials Maintained possession of device Promptly reported unauthorized charges Changed card number immediately upon discovery Cash App Response : Submitted formal dispute with highlighted fraudulent transactions Provided detailed documentation Cash App denied the claim without proper investigation No explanation provided for denial No provisional credit issued Fraud Patterns : Started with small test charges Escalated to larger amounts Multiple rapid-succession transactions Mixture of merchant types Clearly outside normal spending pattern Impact : {$3500.00} financial loss No access to disputed funds Significant time spent documenting and disputing Additional expenses securing accounts Request for Resolution : Full reimbursement of unauthorized charges Investigation into fraud pattern Review of denial decision Implementation of better fraud detection All charges are documented with statements, and the fraud pattern is clear and well-established. Normal spending patterns and merchant types are distinctly different from the fraudulent charges.
Product: Credit reporting or other personal consumer reports

There are XXXX child support accounts reporting late payments to my report which I have never been late always made payments but Experian is still reporting inaccurate information and will not provide documentation or proof of any late payments for accounts XXXX and XXXX and a paid off account is still reporting as charged off self lender/ lead bank has charged off on my report and the account is paid in full Experian is continuing to report inaccurate information late payments and charges offs on accounts thats never been late or proven to be late please remove these late payments and charged off accounts on my credit report immediately and please provide proof of a investigation into these matter the accounts are child support XXXX and child support account XXXX and self lender/lead bank account paid XXXX but still showing charge off month after month I confused how a paid account can still report negative info
Product: Credit reporting

My lease with The XXXX apartments was terminated in bankruptcy including the debt. The XXXX Apartments was sold to XXXX XXXX Apartments. The debt was then transferred to Rent Recovery Debt collections and placed on my credit report. I 've disputed the debt with XXXX And XXXX but with no luck. The dispute was opened a little over 2 months ago with no reply from XXXX. And XXXX simply adding a comment on the account that the collector could not locate me. Since the original debt was discharged I dont think they should be allowed to report it on my credit report and I 'd like to have it removed. XXXX also changes my entire report on a monthly basis changing my name from XXXX XXXX XXXX to XXXX XXXX and with each change a dozen accounts disappear then reappear a month later when they change the name again. This drastically changes my credit score.
Product: Credit reporting or other personal consumer reports

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Wells Fargo Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank you!
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 customer financial protection act ( CFFA ) 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 regulations E. these actions have caused significant inconvenience & financial loss and I seek appropriate redress for these violations!
Product: Debt collection

I took a check and go loan out several years ago and was not able to repay. Around XXXX - XXXX I got to a point in my life where I was able to repay it. 

Fast forward to today. My mother received a call from someone claiming to be from XXXX XXXX Ohio courts, according to my mom, and asking for my information stating they are trying to serve me. She refused and forwarded me their info. I called in a panic believing they were with the courthouse. I do not live in that county. 

I called the phone number my mother gave me XXXX, and spoke with a different rep who advised me I had a debt from check and go for an unspecified amount, they would not specify the date, but said it was years ago. I advise I already paid this last year. They said they were trying to serve me to sue me in court over 3 allegations of unpaid debts. They wouldnt give me a real company name, the name I received was National. I assume they used this name to confuse people into thinking they are a government entity. They kept hanging up on me when I told them it was already paid and they will have to take me to court. I will be calling back tomorrow to get an address. I verified on my latest credit report I have a collection that was paid around XXXX of XXXX. 

There has been no contact by mail no notification of debt owed prior to this conversation. They jumped the gun and threatened with suing me without correct process of sending me some notification of attempt to collect debt. As well they have no business telling me mother theyre trying to serve me. They are trying to scare not only me but my family.
Product: Debt or credit management

Yes, I have sign up for a 5 day free trial google XXXXXXXX XXXX but it seems like I was actually being charged for XXXX dollars... I have noticed this on the second day and immediately cancel all subscription and try to get into with google and i was told that i would take up to 48 hours to get an answer from them. and they decided to reject my refund. This is bad on their end advertise the 5 day free trail .... I want the world to see this and beware of how XXXX/google is doing a false advertisement and a scam.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Product: Credit reporting or other personal consumer reports

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by XXXX, XXXX, and TransUnion. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law. 

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hi Team : Its XXXX XXXX Here. PayPal closed my account for no reason and will not help me with getting it back up and going. I updated my all the correct documents/bank statements. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for couple of weeks. I am here to file a report as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email on paypal account is ( XXXX ) and i do freelancing online to pay my university fees. Now its difficult for me to manage my life. Please help me into this. I shall be really thankful to you.
Product: Debt collection

Attempts to collect medical debt giving confusing information & being returned documents that do not prove that the debt is mine ( ie they mailed me a copy of my Kansas drivers licence which does not prove that the debt is mine. One of the bills they sent says I owe them {$51.00}, another says {$0.00} under " final notice '', yet a third bill says {$140.00} i think before you go around saying i owe you money you need to make up your mind as to which amount it is after 2 requests for verification of the debt clearly indicates confusion on the part of the debt collection agency from the party they are trying to collect from.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to American Credit Acceptance which was received on XX/XX/XXXXat XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recall establishing an account with American Credit Acceptance. American Credit Acceptance has not provided any means of documentation period. No chain of command, application, or contract, containing my signature has been provided on behalf of American Credit Acceptance which is a requirement in the court of law. American Credit Acceptance continues to violate the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Debt collection

I have tried multiple times with credit bureaus and consumer to get this fixed they are reporting false information I paid this in full selltlrment that they offered. This should not be reported charge off and that I owe some on this debt can you please get them to fix this on my credit it is hurting me having a reinstated charge off it is not right I did my part now they need to fix it thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are both reporting a bankruptcy on my credit report and they have put in the date of furnishing as the US bankruptcy court of the northern district of Florida which is false. I have attached a letter from the US bankruptcy court of the northern district of Florida verified, and stating that they do not furnish information over to the credit bureaus or any credit monitoring service, nor do they verify and validate any info concerning bankruptcies XXXX XXXX and Experian are both listing this info on my credit report and have yet to remove it.
Product: Credit reporting or other personal consumer reports

I would like to Dispute Bankruptcy 15U.S.C.1681A ( 2 ) B that is reporting on my transunion and XXXX credit reports i am sending supporting documents that I am also Disputing wit other agencies and corporation .Transunion and XXXX is misreporting debt /reaging debt due to staus of limitation 15.u.s.c.1681..unlawful changes in deliquency dates under FCRA ..i was never notified or aware that this would be on my credit report 15U.S.C.1681B and would like a removal of Bankruptcy off my credit report..I am asking for a reinvestigation
Product: Credit card

Some body used my JC Penney Master Card without my authorization on XX/XX/2016- reference # XXXX, amount {$0.00} XX/XX/2016 - reference # XXXX ) ) XXXX, Amount {$6.00} I want to know who abused my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX upstart financial ran a unauthorized hard credit check, they did without my permission and told me I signed the authorization which I did not
Product: Credit card or prepaid card

Back in XXXX of XXXX the bank had a program that decreases your interest rate so you can pay down your balance on your credit card so I signed on not knowing later the bank will close your card without you knowing so when I found out XXXX XXXX of XXXX that they had closed the credit card In XXXX of XXXX due to a bank evaluation of account in which I dont know they did that after having the credit card for 3yrs and 11 months without a explanation. I was paying the amount that was so plus a little extra and now the credit card is close they still charging me late fees and interest on a close account and taken from my checking account in which I had ask them not too. How can they charge late fees and interest on a closed account that not a fair deal for a Consumer I need help do to that this banking institution is taking advantage of me. Its still showing on my online bank it a open account which is a not correct
Product: Debt collection

The debt is an old insurance policy from XXXX  that was charged off and I guess bought by CCS. I paid the debt off in full to XXXX. However CCS is still reporting monthly that the account is an collection.