23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX was contacted by XXXX XXXX XXXX using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from Synchrony bank. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. XXXX XXXX harassed me for XXXX min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of XXXX and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and XXXX XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/2018 Balance {$4200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows my XXXX XXXX credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with Equifax XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When XXXX XXXX is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my XXXX XXXX credit care as active.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I did not make. 

Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to expose the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my transunion credit report
Product: Credit card or prepaid card

To whom it may concern : Last XX/XX/XXXX. I book on line with a round trip ticket for the month of XX/XX/XXXX.  With XXXX XXXX XXXX New York Phone # XXXX. And they took the amount of {$2200.00} transaction # XXXX in my American Express Credit Card Ending XXXX. On the following day XX/XX/XXXX, I call the XXXX Customer Service to cancel my booking, because of financial budget? The customer service, dont want to cooperate to give me a full refund of my money back in my American Express Credit Card. And they want to charge me a {$600.00} cancellation fee? I said I am not agree to pay for that " SCAM '' of {$600.00} cancellation fee no matter what. That's only a one day booking and I call for a cancellation right away? I call the American Express Credit Card customer service XXXX, on that day to disputed this issue? And I spokes to customer service, don't let this XXXX XXXX XXXX to take even a single XXXX in my Credit Card. Block all the transaction coming from them? On XX/XX/XXXX This Amex Credit Card, Let the XXXX took another {$300.00} in my Amex Credit Card, despite of my noticed to the customer service to block all the transaction from this XXXX and block them to get access in my credit card account? I disputed this additional {$300.00} to customer service, I am not going to pay that amount of additional {$300.00} its your fault? And they apologized me about it? The Amex customer service are willing to cooperate in the first place? They told me, don't worry about that. We're going to help you to resolve that " SCAM '' issue? And now when I check my Billing Statement for the month of XX/XX/XXXX. They didn't help me to resolve my issue to refund the amount of {$2200.00} transaction # XXXX and the additional {$300.00} transaction # XXXX instead this Amex Credit Card, refund me only the amount of {$1000.00} I call the customer service to disputed this issue. They told me, I have to pay that amount {$1500.00} because isn't refundable anymore? What a big " SCAM '' I spokes this Amex customer service. I am not going to pay that a lot of money no matter what? What a big " SCAM '' I trust you to help me, to refund that money back in my credit card account? Now you want me to pay this {$1500.00} that I never been used? What a big " SCAM '' It sound like this Amex Credit Card is collaborating with XXXX with this big " SCAM '' They told me if I didn't pay this " SCAM '' amount of {$1500.00} Im going to pay a lot of interest and destroy my good credit that I taking care for so long? I always pay this Amex Credit Card most of the time ahead. You can check my payment history with them? And now this Amex Credit Card betray me for this a lot of money. Please help me to resolve this big " SCAM '' issue? If they don't stop this crook people, they keep doing this big " SCAM ''? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX Cell # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX, Account name XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2017, I turned in the keys to my apartment after my roommate and I were placed under an eviction status and my roommate moved out without my knowledge. On the XXXX of XXXX, the balance left for the apartment was not only increased by over {$3000.00} but it was sent to collections before I had a chance to settle it. On the XXXX of XXXX, I received the final bill by email. I then proceeded to email management, I called and even showed up in person but they continued to avoid me. The bottom of the bill states you have 30 days from the final notice to settle the debt. Now the collection agency that has the debt has increased it by {$640.00}. When I try to contact the collection agency, I end up getting the voicemail. Also, I have never received a written letter from the company. The original debt amount was {$7300.00} and it is now {$7900.00}. The collector is Hunter Warfield.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX 2018, I called XXXX to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to XXXX  asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my XXXX  credit report it states Lexis Nexus as the company. XXXX has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an XXXX   rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chapXXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
Product: Checking or savings account

( check processed twice ) Check # XXXX dated XX/XX/XXXX for {$300.00} that was previously processed and paid out XX/XX/XXXX was withdrawn from my checking account again on XX/XX/XXXX. The act caused the account to go negative and three {$36.00} overdraft fees were charged to the account. I notified my local branch, customer service and filed a dispute/claim as soon as I identified the issue ( XX/XX/XXXX & XX/XX/XXXX ). 

The check image ( front/back ) shows it was processed in XXXX. The same transaction shows up in both my XXXX and XXXX bank statements. 

The bank acknowledges that the check cleared years ago, and again this year which is an odd scenario. While I thought the issue was being resolved, to my surprise my bank has not even started an investigation into the matter. 

A few days ago I received an affidavit of fraud form from the bank requiring a sign and notarized statement ; unfortunately, neither of the scenarios detailed on the form match what took place. Although, the bank agrees the check was processed twice which appears to be a bank error the issue has yet to be resolved. 

The account is my primary checking account, not being able to access it has disrupted my everyday activities ( i.e. bill payments, direct deposit, etc ). 

I have all evidence detailing the error : XXXX bank statement, transaction detail, check image ( front and back )
Product: Debt collection

Debt collector has been notified numerous times of their debt collection practices. XXXX has been neligent with conduct prohibited by the law. XXXX has used deceptive forms to collect allege obligation.
Product: Mortgage

I have a mortgage with Flagstar Bank, I have had this loan with them for three years now and I have never been late on a payment. I use the system of payment that they recommend to their consumers online, and in XX/XX/XXXX their system had an error. I made my payment through their online system on XXXX/XXXX/2015 and the payment in their system showed me it went through. I had funds in my bank account there was no problem processing the payment on my end. But their system had an error and did n't process the payment correctly, or that is what I was told. Their system shows the payment as being returned on XX/XX/XXXX and that is when I got a phone call from them stating that I was now over XXXX days late for my mortgage payment. I asked how that could be, I had made the payment and I knew I had funds available for it. He told me of the error and took a immediate payment over the phone from me to correct it. He told me he could n't speak to me about the XXXX day late mark they put on my credit, that I would have to send in a fax and just wait for a response. I am very frustrated with this! We have an excellent credit history, and have never had a XXXX day late payment even on a credit card much less a mortgage!! Any help would be much appreciated, I feel like if I made my payment through their system and their system had an error, it should not reflect negatively on me for doing it their way.
Product: Debt collection

Santander Consumer USA Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. ( Which I did receive ) 2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.
Product: Debt collection

This is a lease that was terminated 7 years ago but they keep re inserting a new debt to keep it current
Product: Student loan

I've been struggling to pay this loan back because of a change in mine and my wife 's income! I've made payments the last several months to avoid " Charge Off '' and called to the company again today because I received another letter that was delivered to my house on Saturday XX/XX/XXXX. The letter was dated the XX/XX/XXXX and was delivered the XX/XX/XXXX. It arrived XXXX XXXX. Normally these letters arrive in the mail and have a more timely window before demanding payment. I informed the company over the phone that I was not able to make the payment of {$95.00} this month. My wife and I are in a rent agreement with our landlord to pay {$500.00} a month and my wife does not get paid until Thursday. As of the end of the month I would not have the funds available to cover the loan payment because of needing to cover my rent! I informed the company of this important matter and was then forwarded to payment assistance. For the past few months they have been telling me that I could be forwarded to payment assistance to a get a lower payment plan but there is a never a solution to extend a period of grace for me to make this payment. I missed a few months of payments 4 to be exact due to leaving my job and starting my own business. I have told the company of this matter several times and that I've had a cut in my mine and my wife 's income by about half. The company has not tried to make a negotiation with me to help lower my monthly payments. Most companies are willing to help you out and allow you to make lower monthly payments and I know this because I'm working with other companies I have debt with and normally even if your several months past due and have missed payments they work with you. This company does not have any kind of assistance. I have tried working with them to make a plan but all that they demand is the amount due before the loan would charge off. I've expressed my desire to leave the company all together and do banking with other companies. A financial hardship is difficult to overcome and when you are in the midst of it and have fallen behind the least you expect is that these corporate companies can work with you. I have attached screen shots of my phone showing last months payment, my current bank account balance, my recent letter from Wells Fargo, my rent payment from last month that shows I pay rent the end of the month and the amount in which I pay. I have said to them on the phone that I could not make the payment because of having to pay the rent expense. They refused to work with me or allow me to post date a payment because of the duration that the account is passed due.
Product: Mortgage

Hurricane Harvey flooded our home, one year and two weeks ago. Our flood insurance sent repair money to XXXX XXXX, which has now been transferred to XXXX XXXX. It has been a continuous struggle to get our money from XXXX XXXX to pay for the repairs. They have delayed funds by : publishing a non-working address for document submission, refusing to let me speak with supervisors, checks mysteriously lost in the mail, promising XXXX delivery but using regular mail, overlooking uploaded documents, documenting but not acting on problem resolutions, refusing/failing to return phone calls, failing to notify me of additional required documents, overlooking requests for paylment, and last but not least, blocking my IP address so I can no longer use the website to access and manage my claim.
Product: Debt collection

AmSher - Debt Collection XXXX/Charter - Original Biller I disputed the debt and filled out their dispute form on XXXX XXXX. I received no response from my filing and was contacted again onXX/XX/XXXX from a representative telling me I needed to pay the debt. When I asked about the outcome of my dispute, the man became irate and would not tell me the outcome. He put me on hold and ended up hanging up on me. I emailed the manager and asked for that individual to not call me again. I never heard back from that group but the debt has since been transferred to another agency ( Im still disputing ).
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. These are the following accounts need to be removed : XXXX - Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

The company XXXX called me and informed me that I had to return the equipment that was installed on top of the house. I stated to them that the company came and installed it and I am XXXX and I will not be able to climb atop house. I did not put it up there and I do not believe I should be responsible for taking it down. No where in my agreement did it say that. They continued to tell me that I needed to contact someone to come and remove it or they could send someone out from a fee. I disagreed and I continue to stand firmly on the statement. Their company came and installed it.