23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I checked my credit report and noticed that a collection had been added to my account. I had received no prior correspondence from this company which us required by law under the Fair Credit Reporting Act. Since I had not received any information on the account prior to it being added to my credit report, on XX/XX/2021 I mailed a letter requesting information that validates this debt. I received a letter dated XX/XX/2021, without this information stating they could not further investigate this information unless I sent in a copy of my ID and a police report. Not sure why a police report would be required since I did not state this account was due to fraud. Regardless, I sent another letter on XX/XX/2021 requesting a detailed ledger of the balance due since the charged off amount and the balance due was such a huge difference. As of XX/XX/2021 I still had not received that information, so I decided to call and ask for this information. On XX/XX/2021, this information was sent by email along with a request for my signature. After receiving this information, I replied to the email and let them know that an interest rate is not in my contract, therefore they can not charge me that. I also inquired about what the {$200.00} in fess were that was simply listed as Cost/Fees. On XX/XX/2021, I received a call from someone from the company to go over the fess. She attempted to fast talk me and said that the interest rate was in Section 3 and the other cost and fees where in Section 9. I asked her to slow down and went back to Section 3 and informed her that Sales Tax is not the same as Interest Rate. This company is using the Sales tax rate of 8.25 % and charging me interest on this account and reporting it to the credit bureaus every month. This was not removed from my account. I then moved on to the other cost/fees which she stated was for attorney cost and that they are a law firm so they can charge that cost. She also stated they have not gone to court because of COVID. I was attempting to work with this company, but they amount I was being charged was excessive and I felt they were attempting to take advantage. I hung up the phone and said I would be calling back as I wanted a chance to go over Section 9 in my contract. Section 9 states that they are able to charge attorney fees once and attorney has been retained that is not a employee of the company. After reading this I contacted the company again and asked for the attorneys name that had been retained for my collection. The same person that I spoke with before stated no attorney has been hired due to COVID. I then asked how they can charge me for an attorney that has not been hired. She then proceeded to yell over me and said wait on litigation then. I have attempted to work this out with the company, but they are attempting to get over by committing fraud. This company is NOT a law firm only a debt collector. They are committing fraud and creating scare tactics by lying about being a law firm.
Product: Prepaid card

I paid for an American Express Pre-paid Gift cards on or about XXXX 2021, in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of {$8.00} on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a {$75.00} Gift Card that only had {$8.00} on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE {$75.00} PREPAID CARD CAME IN WITH A {$8.00} BALANCE. AMEX claims that " The Card was used for a purchase totaling {$67.00} at XXXX # XXXX located at XXXX XXXX XXXX XXXX. '' However, this is not true! Number 1, nobody in my family and I have ever eaten at XXXX. In addition, the charge from the XXXX was already on the card BEFORE I ever received it.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I posted a Brand New Unlocked XXXX XXXX XXXX XXXX for sale on XX/XX/2022. I was asking {$1000.00}. On XX/XX/XXXX I received a offer from a buyer for {$800.00} cash. I said I would accept that. We set up the time and place to meet. Then a few minutes before we are meeting he sends me a message saying he couldn't make it but his wife was meeting me. Upon arriving I was then informed he wasn't able to pay me in cash but venmo only. He asked his wife to verify the XXXX  number and I also sent him a screenshot of the XXXX which he verified and then proceeded to send me the payment. Two days later he tried saying that the phone was locked etc. Then he even had a " XXXX employee '' get on the phone with me. The supposed employee had the EXACT SAME ACCENT as both him and his wife which is obviously very suspicious so I hung up and called XXXX myself. XXXX confirmed that the phone was unlocked and they also confirmed that someone was actively using the phone as well. This customer filed a dispute with venmo and even though I submitted all documentation they requested they refunded the scammed and then froze my account. So now the scammed turned around and sold the phone to someone else. There is a transaction on his account AFTER winning the dispute where he sold the phone. I'm a XXXX mom trying to survive in this messed up world. This is literally going to destroy me and my daughter. He got a brand new phone that's worth {$1200.00} and he got his money back!!! He verified the phone before paying me. He scammed me. Why is he allowed to keep the phone? And the money? Venmo is facilitating this person so he is able to scam me. That's fraud! Where's my seller protection?
Product: Debt collection

Around XX/XX/XXXX I moved into a new place and needed internet service. I chose XXXX as my provider. The technician came and set everything up, however, I immediately started having problems with the internet - it was going in and out every few minutes. I contacted XXXX, they couldn't fix the problem over the phone, so they sent another technician. The technician couldn't find any problems, so he recommended I raise my internet speed and that would fix the problem. I called XXXX   and increased my internet speed, which would also increase my future bills. XXXX   customer service rep told me to give it some time and that it should work. After giving it a week or so, I realized that internet service was not better, the internet connection was still in and out every few minutes. Since I am required to have internet for work and XXXX could not help me, I decided to switch providers. I was assured this would not be an issue, since new customers have a one month to try XXXX free of charge and switch to another provider. When I called XXXX to cancel my service, I specifically asked if i owed them anything and was assured that there would be no bill/no charge, since I was cancelling within a month. I was also told to ignore any bills that might come in for a month I had the service, that they were already generated before I cancelled the service. I did receive on bill that but ignored it as instructed. To my surprise, XXXX reported this amount to a collection agency. I called collection agency, explained what was going on and they were going to look into it. I do not believe I received any further information from them. 
This is a small amount to argue about, however it is not okay to fool customers telling them they have a month to try their service with no penalty, especially since I wanted XXXX but they could not figure out why my internet was breaking. It is not okay to be told nothing was owed and then charge entire month of service which I couldn't even use. This is the reason why I have not paid this collection amount, as I am sure there are other customers out there who are/were in the same situation and who were taken advantage of. This is why I am disputing and reporting the problem here. Thank you. 
Date of service : around XX/XX/XXXX Date reported : XX/XX/XXXX Amount : {$120.00}
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. XXXX this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Checking or savings account

On the day of XX/XX/XXXX i used the atm at a XXXX XXXX XXXXXXXX XXXX XXXX ATM. I currently bank with chime bank. During the transaction, which was a withdrawal for {$400.00}, first it took the atm about 5 min to even release my atm card, then i asked the XXXX employee is its something wrong with the atm he said he dont know cus he doesnt use it, then once it finally came out i waited an additional 15 tro 20 min trying to see why my money didnt come out. The manager at the time at the XXXX  gave me XXXX XXXX XXXX phone number then they instructed me to do a dispute with my bank because they couldnt do anything about it because I didnt bank with them. I did my first dispute on the XXXX and since then it has been denied 4 times. The information they sent me clearly stated from XXXX XXXX XXXX that they never received the credit for my transaction and showed it was an atm error but still chime is deciding to deny my claim and say no error was made. The last time i appealed it i spoke with a manager that did it and after looking at the documents he himself even was confused on to why my claim is getting denied. I tried to do a police claim so they can run cameras and the non emergency police was XXXXXXXX XXXX me saying that Ive already gotten the money probably and thats why my claim is being denied. Poor excuse for a public servant and i will also do a complaint with the XXXX pd for the behavior of their officicers. In this day and age {$400.00} is a lot of money and i will not a stop until i get whats mine and at this point I deserve more for all the time and effort put into simple doing your job instead instead of stealing from a loyal customer.
Product: Student loan

First had federal loans with Sally Mae then they were purchased by Navient. As of XX/XX/2019 they had me respond yes to postpone repayments. I have not received if they have them or a different lender. On XX/XX/XXXX was informed they were at collections and more than what I knew before. Also derogatory marks on my credit would be nice to be removed. I always am honest and take care of them on time when contacted.
Product: Mortgage

I am a XXXX-year-old retired XXXX XXXX that has been fighting a serious XXXX XXXX diagnosis and serious XXXX medical issues like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I just can XXXX XXXX, these medical conditions left me financially ruined. My income is less than {$2000.00} including my {$1100.00} pension, {$140.00} social security and {$450.00} in TSA that will ends at the end of 2019. 

I have been attempting to communicate with all my creditors including CHASE to advise them of my situation, even I called Chase mortgage assistance and ask for any financial hardship programs that they may be able to offer me to help me keep a roof over my head. After losing my husband, I have no immediate family and live alone. I have tried to reach out to CHASE for assistance, but they were not able to offer any type of assistance, and I just received a notice advising me of their intention to foreclose and leave me homeless. This is astonishing to me ; I am fighting for my life and now Chase is trying to take my home from underneath me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate correction of inaccurate information on my credit report. The incorrect variation address XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NJ XXXX, and the employer listed as XXXX XXXX XXXX XXXX must be removed or updated. My correct employer is XXXX XXXX XXXX, and my accurate address can be verified using the two proofs of address provided, such as my utility bill. Please update my credit report to reflect only accurate and verified information. Once these changes are made, provide written confirmation from TransUnion, along with an updated copy of my credit report. Ensuring the accuracy of my credit report is critical, and I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Debt collection

This account is not mines the address where this account was opened I have never lived there.
Product: Checking or savings account

opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.
Product: Debt collection

To Whom It May Concern, In XXXX of this year, I received a letter from National Recoveries. A company I have never heard of until I recently researched to find they are a fraudulent collection agency. I responded to this letter stating I owed nothing on a false debt they were trying to collect. When you call the number it rings then disconnects. When the dept of education investigated my complaint and found the fraud, deception and predatory lending that occurred to me back in 2009, both of my cases were closed stating I owed NO DEBT. Both the schools not only kept money owed to me, they along with the dept of housing   literally put me on the street for 7 yrs. Both schools knew all along I never qualified for any loans for I never had the education to start the schools to begin with let alone how they continued to lie to me causing me lose my home causing me to be unable to even do school work or have the right equipment to do the school work. 

A few weeks ago I received a letter and a copy of a loan document ( one of which I already had ) that I did not ask for stating I owed the debt. Which tells me they did not do their job to see I did not owe the debt they were trying to collect. Yet their harassment has continued and enough is enough. I am tired of being taken advantage of by the US Govt. The US Govt allowed my acreage to be taken illegally then allowed TWO schools to take advantage and defraud the Govt and myself for trying to better my self after everything that was taken from me. The schools knew all along the fraud and deception they were illegally doing. THAT IS WHY BOTH OF MY CASES WITH THE SCHOOLS WERE CLOSED WITH NO MONEY OWED.
Product: Debt collection

I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
Product: Student loan

Mohela is providing conflicting information regarding interest accrual during forced forbearance. In XX/XX/year> they sent me a letter advising no interest would be accrued during forbearance, in XX/XX/year> they sent me a letter saying interest still accrues during forbearance. Which if these is true? 

This forbearance is being forced upon me by the government and the loan servicer the government uses is providing conflicting information. Contacting Mohela is impossible and they are non-responsive to any inquiries.
Product: Mortgage

As of XX/XX/XXXX I fell behind on payments due to loss of employment and since then I have continued to call the lender and tried to qualify for a modification. The lender has always made it difficult as every time I call their is a new employee giving me different information of what documents to submit. Also their is no way for me to talk to an underwriter directly to better understand their request. I have also requested help from NHID to help me file to qualify for the modification, however just this past month XX/XX/XXXX the lender kept requesting a 4506T form and they kept mailing the old version of XX/XX/XXXX, but never told me the form was outdated and I needed to download the new one from the IRS page. I feel this has been the route of my horrible experience of wrong information given to me and now they want to sell my house.
Product: Credit reporting or other personal consumer reports

I got a report on my XXXX XXXX XXXX account that my score decreased because there was an inquiry and account was tried to be obtained and opened. When I tried to contact the company, the phone is disconnected. They sent me an email with an address I had about 10 years ago. The email had no way of responding to them, and only asked for me to provide my personal information to them via fax. This has messed up and lowered my credit score and I want this immediately removed from my credit report. I never made this inquiry and feel this company is a scam, or someone is trying to do something with my information. The inquiry hit my credit report yesterday on XX/XX/2024 and I got an email from the company today, XX/XX/2024 requesting my personal information. I spoke to a TransUnion representative and was told how to go about this. The phone number they gave me for the company is disconnected.
Product: Credit reporting or other personal consumer reports

A loan of {$9300.00} from XXXX XXXX Oportun appeared on my XXXX Alert. contacted XXXX and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with OPORTUN WITH MATCHING RECORDS FROM THE XXXX REPORT. please contact at XXXX for further follow ups.