23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Multiple Debt Validation attempts were made to Affirm Inc in regards to the following accounts : XXXX XXXX XXXX XXXX Affirm Inc has been notified via dispute of identity theft and explained that the merchandise bought and sent to the address provided to them was never an address of mines nor the vehicle was ever owned by myself and have yet to legally validate the debt. If Affirm did a proper and thorough investigation then the evidence would clearly show this is a case of identity fraud. The reporting on my consumer report are illegally hurting my consumer account. 

These account reports are Violations of the Fair Credit Reporting Act, Violations of the Fair Collections Practices Act, and Defamation of Character.
Product: Debt collection

National Credit Systems is reporting a collection accounts on my credit report acct # XXXX. I was told that I allegedly owe a debt to XXXX apartments. When you XXXX the XXXX apartments or the address they have listed on my credit report with this property no information about this apartment comes up I also asked this company to provide me with the contract that they have between The XXXX apartments and they refused to provide me with the information requested. I believe this alleged debt to be fraudulent
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged overdraft fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I obtained a reverse mortgage from XXXX XXXX in XXXX XXXX. 
The mortgage was assigned to Livewell Financial ( 'Livewell ' ). In XX/XX/XXXX, I entered into an agreement with the City of XXXX, PA to pay my real estate taxes in equal monthly payments in accordance with the City 's real estate installment payment plan available to senior citizens. After I had paid over {$1000.00} in real estate taxes in accordance with my agreement with the City, Livewell refused to recognize the validity of my agreement with the City of XXXX, paid the balance owed, and demanded that I reimburse Livewell or be declared in default. I reimbursed Livewell for the taxes for XX/XX/XXXX, but Livewell rejected my payment, and declared that I was in default of the terms of the mortgage agreement. In XXXX, real estate taxes are not due until XXXX XXXX of the year taxes are due. 
If taxes are paid early, taxpayers receive a discount on the total due. 
After rejecting my reimbursement of the taxes paid for XX/XX/XXXX, In XXXX XXXX, Livewell paid my real estate taxes, one month before the taxes were due, in order to take advantage of the discount offered by the City, then in XXXX XXXX Livewell filed a mortgage foreclosure action against me, claiming that Ihad defaulted under the terms of the mortgage. 
Livewell repeated the same practice in XXXX - Livewell again paid the taxes one month in advance of the due date and again declared that I was in default under the terms of the mortgage. In an effort to avoid foreclosure, I obtained legal counsel and we have been attempting to work out a repayment plan with Livewell. To date, Livewell has refused to negotiate in good faith to settle this lawsuit. Livewell has rejected no less than XXXX repayment plans I have submitted over the past year, without making a reasonable repayment plan according to my income. I am a XXXX receiving social security and income from a part time job of approximately XXXX per month. 
My sister, XXXX, who is XXXX years old, lives with me, contributes to the household expenses and maintenance. She has an equitable interest in our home, she is my next of kin and under Pennsylvania law, my only heir. Livewell 's unethical, predatory practices have not only placed me in jeopardy of losing my home, it has jeopardized my sister 's right to inherit the property if I were to predecease her. I am requesting that the CFPB intervene to protect seniors such as myself and my sister from the predatory practices of Livewell Financial and other mortgage lenders and servicers like Livewell.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Michigan Account Number : XXXX Account Number : XXXX 15 usc 192c ( c ) That law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XX/XX/year> - XXXX Application XXXX XXXX XXXX sated : Foreclosure or Repossession ( error ) Length of time accounts have been established ( my accounts are over a year old ) same day reapplied Application XXXX XXXX XXXX stated : Insufficient equity and/or down payment ( error ) Foreclosure or Repossession ( error ) TD Auto Finance XX/XX/year> Unable to verify application ( error ) Record of repossession or deliquency
Product: Credit card or prepaid card

XXXX XXXX was to refund me XXXX for an item I returned. They sent numerous emails saying refund was pending, then they never refunded the monies. 

I disputed the charge, sent evidence to Citibank that item was returned, refund was supposed to be processed but never was. Citibank ignored the evidence and kept my money.
Product: Debt collection

Lewis, McDonnell and Associates, since last dispute of debt has had someone call my phone everyday from a blocked ID 15 U.S. Code 1692d ( 6 ). I answered yesterday as they kept calling back to back at an. After answering a XXXX XXXX from a company called " XXXX XXXX '' not on the internet at all, said he wanted to deliver something to my address. I asked them how they got my phone number and address and they stated from Lewis, McDonnell and Associates. First I did not give permission for anyone to have my personal information per 15 USC 1692b. I called the phone number given by XXXX and was connected to with XXXX from Lewis, McDonnell and Associates@XXXX The called turned to threatening from XXXX as he stated he would see me in court 15 U.S. Code 1692d ( 2 ). This statement was given after I asked him to send me validation of my debt. He stated he will not send me anything. 
A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. The CFPB 's Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Credit reporting, credit repair services, 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. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without 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 seven years.

15 U.S.C. 1681c-2 ( A ) ( 1 ) 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

Contract was cancelled due to the original creditor selling this debt to Jefferson Capital Systems , LLC. I have no contract or no legally binding documents with my signature agreeing to this debt with Jefferson Capital Systems , LLC.
Product: Mortgage

I, XXXX XXXX have applied for mortgage assistance with Select Portfolio Servicing XXXX Inc. on two occasions. Our loan is maturing on XXXX XXXX and we are unable to pay the lump sum in full. A loan modification for the balance was requested. 

My husband and I had been battling severe illnesses since XXXX. XXXX had XXXX for XXXX XXXX and was out of work. After he returned to work XX/XX/XXXX XXXX caused a lack of work and our finances were strained over the next year. 

I had a total XXXX XXXX XXXX in XXXX that became XXXX  and caused injuries to my XXXX, XXXX and cXXXX XXXX. The XXXX injury lead to XXXX XXXXXXXX XXXX. XXXX lost wages during my illness while assisting me. 

Payments were late at times.But during the past three years we still kept the mortgage out of default/foreclosure by putting all we had into keeping our home. 

As of XX/XX/XXXX XXXX and I separated and he moved out of the home. I submitted legal separation documents as well.I have even asked Select Portfolio Servicing for a modification based on the current occupants. I live in the home with my brother who contributes to the household expenses. 

The first decision was that we were current on the loan so the modification was denied. However the maturity date still needed to be addressed. The second response from the relationship manager was that we were denied because of a delinquency. I was told that there are no retention options. This servicing company and investor seem to be determined to foreclose on my only home because it is worth much more than what is owed on it. They have not shown any interest in assisting homeowners. 

I have the ability to keep up with a modification and have sent proof of my income as well as my brothers signed contributions statement. 

If there is any assistance you can render to help me save my home from what seems to be a predatory lender would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit card

In XXXX, i went to XXXX with three others. We had pre-arranged transportation, which on the return did not show up so we asked the hotel doorman to call a taxi. He asked would it be credit or cash. We said credit. In driver tried to swipe my American Express several times and said it was not working. Something about reception in that area. I have him my XXXX card. Same thing. So we gave him cash between {$25.00} and {$45.00}. We were worried about missing an early morning flight back to the US. 
While at the airport I got a call from Amex saying they noticed suspicious activity on the my card. I explained what happened and told him not to pay that we had given cash. He said once it posted I could dispute and that we will take care of you, XXXX XXXXXXXX. I see you're a 20-year card holder. Well when it posted, I disputed and they said I was responsible for what turned out to be a $ {$450.00} credit card charge. Their proof was a receipt signed with an " XXXX  ''. I have a XXXX XXXX XXXX and working writer. Why would I sign with an XXXX Additionally, the XXXX XXXX. charged more than {$500.00} to my XXXX  card, which I also disputed and which a person in the dispute center told me " well you did give him your card, and you did get a ride to the airport ''. Amazing. I did not know the charges were made until it posted. Neither Amex or XXXX have backed me up and say I'm responsible for the full amount. I have been robbed three times. Once by the XXXX XXXX XXXX and now by American Express and XXXX. Everyone should beware of using either card. They do not support customers. I have never disputed a charge so why now? Obviously, I was victim of fraud overcharged. How can I be charged over {$1000.00} on two different cards on the same taxi ride. That doesn't make sense. Now Amex wants a receipt. Perhaps they will accept an XXXX  from me, though I doubt it. Watch these card companies.
Product: Debt collection

I paid off a debt with National Credit Systems. They repeatedly have refused to send me a confirmation of payment. I called and spoke with a representative whom told me I would be able to receive it the following day. I then called back, and the representative and supervisor were extremely rude and would not allow me to receive my email.
Product: Checking or savings account

My bank, Wells Fargo, notified me by email on XX/XX/2021 that they had detected unusual activity on my debit card. On XX/XX/2021, when I read the email I checked my account online and found that there were three unauthorized charges, one of which Wells Fargo had already reversed. 

I filed a fraud claim on XX/XX/2021 for the charges that I did not make. The first charge was made XX/XX/2021 for the amount of {$160.00}. The second charge was made on XX/XX/2021 for {$240.00}. There was a 3rd charge that was reversed. It was readily acknowledged that the other charge was fraud. According to bank records, all three charges had the same thing in common- they were for an exorbitant amount of gas within a two day period at XXXX stores. 

I received notice by mail on XX/XX/2021 that my claim was denied. I called the number provided to ask for the reasons for the decision and how to appeal. I was told by three different people on three different phone calls, once on XX/XX/2021, and twice on XX/XX/2021, that I could not appeal the decision. They also said it would take a ridiculous 30 days to receive an explanation letter. 

The denial letter states in part that their decision was made based on my banking history, however according to my banking information, the charges were made for large amounts of gasoline at XXXX stores within a two day period. One charge was made in XXXX, Washington. 
If they did go back through my banking history, they would have seen that I have never purchased that much gas at any one time, that I do not go to XXXX, and I have not patronized XXXX. These points alone should be enough to indicate fraudulent activity. Also, my other purchase history for the dates in question shows that I was not even in the areas these fraudulent charges were made. XXXX is a two hour drive and XXXX a four hour drive. I was at or near my residence both times. I do have witnesses to that effect. 

The denial letter also said that because the debit card was in my possession and my pin number was used, that they determined I, or someone with my permission, used the card. I maintain that it was not me and I did not authorize anyone to make any purchases. 

I believe that Wells Fargo has not acted in good faith, especially considering they say that I can not appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received new credit reports from XXXX, XXXX and Transunion. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB Experian is supposed to assure maximum possible accuracy. This account is not accurate accordingly to the Fair Credit Reporting Act. Please Immediately & Permanently Remove this Account for Violating 15 USC 1681EB. 

Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$820.00} past due as of XX/XX/year>. 
Status updated XXXX XXXX Balance {$820.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$820.00} Highest balance - Terms 1 Months On record until XX/XX/year> XXXX
Product: Credit card

I have a XXXX Credit score and a stable income of {$500000.00} and my credit card application with American Express was denied based on discrimination, ( there is no other reason ) I have a superb credit score and excellent income and I make 100 % of my payments on time, I never missed any credit card payments ever with all my other XXXX credit cards, I have reason to believe that I was denied credit by American Express based on discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/202 202
Product: Credit card or prepaid card

I am lodging this complaint against Barclay 's Bank of Delaware, XXXX XXXX, XXXX, XXXX, and company CEO XXXX XXXX XXXX XXXX On XX/XX/2022 a charge of {$90.00} was made to my Juniper Credit Card by a merchant under the name of XXXX, a bowling alley/lounge in XXXX XXXX XXXXXXXX XXXX NY. I have never done business with this merchant, and I was not in the New York area when the charge was incurred. I reported the charge as fraudulent and asked to have it removed. I received a letter from Barclay 's dated XX/XX/2022 indicating that the charge would be investigated and removed within two billing cycles if found to be fraudulent. After two billing cycles had passed, I contacted Barclay 's again by phone and asked why the charge had not been removed. They responded by claiming that the charge was based on a card imprint, proving in their view that it was legitimate. My card had not been out of my possession, and any imprint would have had to have been made using a counterfeit card. I made this point to them, but they still refused to remove the charge, insisting that it was valid.
Product: Credit card

XXXX was unable to secure my account due to identity theft. XXXX XXXX admitted they failed their own procedures. XXXX XXXX closed my account. I was forced to accept discounted Gift cards for XXXX points. XXXX XXXX attempted to reopen my account 24 hours later, but would not trade my points back.
Product: Credit reporting or other personal consumer reports

My student loan accounts with XXXX are currently in forbearance, but XXXX has incorrectly reported them as 90 days late to the credit bureaus My loans were placed in forbearance on and I have not been required to make payments during this period. Therefore, no payments should be reported as late. 

This incorrect reporting has significantly damaged my credit score, leading to difficulty obtaining credit I have contacted XXXX via phone to request a correction. However, despite my efforts, they have failed to update my account status with the credit bureaus.
Product: Student loan

I submitted XXXX waivers for prior employment that qualified during the waiver period on XX/XX/XXXX. The first waiver was processed. The second waiver, that was uploaded in the same file CONTINUES to be ignored. I called in XXXX and asked and the customer service representative said the form was correct and the XXXX qualifies. I worked full time, I made loan payments, I submitted the correct form. The identical form I submitted for a different employer on XX/XX/XXXX was processed and credited. The identical form that I uploaded in the same scan for Legal Aid of East Tennessee that took up the first two pages of the XX/XX/XXXX scan was processed and credited. She asked that I give them time to process the form. Nothing changed. 

I called in XXXX of XXXX. Same exact story. My form was correct, the employer qualified, please be patient as they processed the form. I type this on XX/XX/XXXX and STILL I am not credited for those payments. I am now an hour into a call with Mohela on Friday. This is utterly absurd. I should not have to spend this long calling and calling and calling. Waiting on hold with their insipid and poor quality hold music over and over and over. They get paid to process this - PROCESS IT.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I initiated a transfer of {$1500.00} from one bank account ( Bank 1- XXXX XXXX  ) to  another ( Bank 2-Wells Fargo ). I received an email from Bank 2 confirming the transfer. 


On XX/XX/2019, I received an email that Bank 2 had closed my account. I called and asked their customer service why it was closed and I was told it was closed by a system error and that my attempted transfer would " bounce back '' to my Bank 1 account within two business days. 


Well, it didn't. 
Bank 1 's statement lists the {$1500.00} withdraw by Bank 2. Since my account with Bank 2 was closed before the transfer hit, it does not show any record of the {$1500.00}. 


I filed a claim with Bank 1, and they told me there is nothing they can do because I authorized the transfer. I filed a claim with Bank 2, and they told me there was no error on their part. 


Note : I transferred the money via XXXX, the in-app transfer service. I verified the account numbers, so I did not accidentally send this money to someone else 's account. I have all the documents acquired thus far. I tried to contact XXXX and they told me that if I used XXXX in my bank 's mobile app ( which I did ) and need service, I have to contract my bank ( which I already tried ).