23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

Upon Gradutiong from XXXX XXXX XXXX University I had signed up with a program called " The Student Loan Relief Department '' and was under the impression that all of my loans would be consolidated by joining : in which I was 1st asked to make a payment of {$240.00} by XXXX/XXXX/2016, but in which was taken out of XXXX XXXX Account on XXXX/XXXX/2016 in which I did in a signed document in which I received several " fail to sender notifications '' & that it was signed incorrectly. and a later payment of {$240.00} as well all totaling up to XXXX. Afterwards I contacted my bank as stated and they tryed looking into where the {$240.00}. During the process in between the wait time of the 1st payment until now, I heard negative things about doing so, thus I contacted FAFSA, Navient and several Federal Govenment Aid programs asking about the whole process in which I was looking to get completed. Shortly after doing so I 'd realized that things just did n't quite match up and had serval hard times contacting the company & speaking with an Agent/Representative, at times I was able to do so, but not as often as I 'd like to secure become 100 % comfortable with my decision. It never seemed to be enough though, so I recently tryed backing out of the program or at least stop the process for a brief period of time until I could gather myself and get all of the information needed upon doing my research until that point, in which as stated I 'd done so ; sadly though I was told that program did n't offer a refund in regard to all the research they 'd supposedly do n't in locating my info to further the process. Overall thus is has occurred to this current date XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and noticed that Knight Adjustment Bureaus is reporting a debts on my credit file that I no longer owe or have a balance. Knight adjustment bureau is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting Knight Adj bureau to remove this debt off my credit file Knight Adj Bureau Account # XXXX - XXXX XXXX. XXXX Accounts # XXXX - XXXX
Product: Credit card or prepaid card

I purchased an item from XXXX  XXXX XXXX on XX/XX/XXXX. They had my card on file. On XX/XX/XXXX, XXXX, and XXXX they charged me for {$1500.00} each charge, totalling {$4500.00} without my permission. I reached out to XXXX XXXX, at XXXX  XXXX XXXX and he claimed that it was a mistaken charge and that he would issue a refund. I waited a couple weeks but never saw a refund, so I reached out to my bank, Chase, and asked them to begin a credit card chargeback. They credited my account for the total amount while they investigated. They reached out for more evidence on the dispute, I provided them with all of the contact from the merchant, including him admitting that it was a mistaken charge, that he had tried to issue a refund, and that there was no invoice or record of me asking for the charges to be made. 

Somehow, Chase ruled in the merchants favor and I was told that I would need to physically mail Chase to reopen the chargeback, or they could transfer it to their fraud department. I asked them if they thought that was the right way to move forward and they said sure, and transferred the dispute to the fraud department. Fast forward another month and the fraud department has also ruled in the merchant 's favor, even though he claims he has never fought the disputes and even told his CC processor, XXXX, that he did not want to argue the charges. I need my bank to protect me when someone just runs my credit card without my permission. That is literally one of the only reasons they exist and I will absolutely cease to do business with them if this is how they handle their disputes when someone was literally stolen from.
Product: Checking or savings account

We filed a fraud case in 2018, for two checks that were stolen from the post office. The amounts were altered from {$420.00} and {$690.00} to {$5000.00} each. The thieves presented the checks to two other banks. A total of {$10000.00} was taken from the church account and to this day we have not been made whole. The thieves have pleaded guilty and been sentenced, according to the Justice Department. We have gone to the bank, a number of times. They continue to tell us to call fraud support. This has been a never ending nightmare. The fraud department has not helped us at all. We have called and emailed. We end up talking with a different person, who tells us someone will contact us. We are at a lost for words and our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a call from national recovery agency. The debt collector was rude. I told him that if I were to pay this debt, that I will contact the actual company. He told me this was going to be sent to my credit and I have to pay them. I then ended the call and then he floods my text messages with texts from The company as soon as the call was ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX & A XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this request in hopes of receiving assistance in reconsidering a XXXX late payment reported in XX/XX/year> on my account with XXXX  CARD. 

Unfortunately, this delay was a result of unexpected health issues ( XXXX ) that will temporarily impact my ability to make payment on time. However, my payment history reflects a strong commitment to my financial obligations, and this event was an isolated situation that does not represent my usual behavior. 
I am asking XXXX CARD for a request for a goodwill adjustment, based on my situation and demonstrating my responsible history.
Product: Student loan

I previously have a private student loan with  Discover   Financial Services i n the amount of {$49000.00}. I also have a private loan with  XXXX  which is about the same amount along with the federal loan in excess of {$30000.00}. I incurred these loans during my 5 years in college between the years   XX/XX/XXXX -   XX/XX/XXXX . Six m onths after graduation All lenders began to request monthly payments. The combined amount was over $ 1000 monthly . Discover requesting  {$480.00} a month. Unfortunately, this was a hardship. I spoke with  XXXX  along with my mother who cosigned the loan and I was able to come to be enrolled in a program that affords me lower payments. T hen I called Discover to  see if I could get the same kind of arrangement once I explained my hardship. I was told on numerous occasions that there was nothing that they could do to assist me. Disappointed I just sent all the lenders what I could afford. I just received a letter that my loan wit h Discover has b een sent to a collecttion agency  XXXX   XXXX . I called them to explain my plight and see if they could assist with lower payments. I was told that I would have to pay {$9800.00} as an initial deposit and then {$1100.00} a month for 36 months then they would lower the payments.   If I had that I would n't need there assistance. Its a no win with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX Bank for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
Product: Checking or savings account

This is a follow-up complaint on a previously filed on XX/XX/XXXX ( XXXX ). At that time I reported I was being disturbed by phone calls from PNC attempting to collect debt. The complaint was logged and I was assured in writing by PNC that my phone number would be taken off the call list. I have JUST ( XX/XX/2019 around XXXX Eastern Time ) received ANOTHER phone call from PNC. It is clear to me that PNC does not care about the people it does business with, let alone the US government. I DEMAND that my number be IMMEDIATELY taken off the call list. Should I receive another phone call from the PNC bank, I will be consulting other legal avenues available.
Product: Money transfer, virtual currency, or money service

I tried to log into my MoneyGram account : XXXX and was unable. I initiated a chat with a customer service representative and was told that my account was suspended due to suspicious fraud activity. I ask for it to be resolved but they refused. I then asked them to provide details about the fraud my account was flagged for and they refused to provide that information. I need you to get my account back up. I support a preacher in the XXXX  and this is the only way I can send money to him. My SSN ends in XXXX. My DOB is XX/XX/1954. You can reach me at ( XXXX ) XXXX XXXX EST. -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

The MoneyGram issue is : Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX TRANSUNION XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE MICHIGAN XXXX UNIVERSITY for the amount of {$8300.00} also account thats not mine! XXXX refuse to remove this account from my credit file XXXX XXXX & XXXX for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX
Product: Debt collection

I had a bill that was put in collections under XXXX XXXX without my knowledge. I was only aware about it because I saw it on my credit report. I spoke to someone at Credit Management who said I had to pay it and than dispute it ( which I already did months ago ) and it would be taken off all my credit reports. I paid it months ago and its still showing on my credit report. Can you please assist and help with this? I was falsely told this and now its still showing up in my credit score.
Product: Credit card or prepaid card

In XX/XX/XXXX, I got a new credit card from First National Bank of Omaha ( FNBO ). They issued me a new credit card with a limit of {$13000.00}. The credit card is a cash back credit card which I use for my daily purchases and pay of in full at the end of every statement period. In other words, my usage is entirely ordinary for the type of product and is the type of usage encouraged by the product. On XX/XX/XXXX, after 8 months of perfect payments to FNBO and all other creditors ( all my payment history is perfect to the beginning of my credit history ), I received a letter from First National Bank of Omaha informing me that they were lowering my credit limit to {$6100.00}. They provided three reasons for lowering my credit limit : Length of time since opening, utilization of existing credit line, and current balance as a % of recent balances. At the time determined my original credit limit, the length of time since opening was known to them since it was a new account. Having a large balance as a % of recent balances is entirely expected and ordinary for a new account, since there was no previous balance to compare against nor is there any data on usage to indicate what peak usage for a customer might look like. Therefore both of these reasons were known and ordinary. What is the purpose of lowering a credit limit due to utilization of an existing credit line, or more importantly, what is the purpose of issuing a credit line that will be withdrawn if it is utilized. At the time FNBO issued my original credit line they knew, or should have known, that under no circumstances of normal usage would they honor that credit line. Therefore the credit limit that was disclosed when the card was opened was false and deceptive in a manner that induced me to use their credit card, whether that was intentional or not. FNBO never intended to extend the credit terms they offered.
Product: Credit card

II have submitted several claims in regard to several lost XXXX XXXX XXXX XXXX. The Claim numbers are as follows : XXXX XXXX XXXX XXXX I have repeated attempted to XXXX XXXX ( XXXX ) in regards to the claim. I have left multiple messages and have not received any callback. All of the items in these claims are of New condition purchased on XXXX. The above claims were denied for the following reasons : " No coverage is provided for a covered purchase which is/are : 4. one-of-a-kind items including antique, artwork, furs, or previously owned and used items ( except when refurbished by the original manufacturer ). '' None of these claims have any items that are one-of-a-kind, are not antique ( According to 19 CFR 10.53 - antiques are items of at least 100 years old ), are not artwork, furs, and are not previously owned. I am not sure why I am being denied, and any attempt at discussing the denial has been met with no response from the company.
Product: Credit card

This account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

XXXX XXXX
Product: Debt collection

A debt validation letter was sent to the company INSTALOAN/XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times every reporting discrepancies my financial institution, and they fail to investigate my claim adequately they informed me that recovering loss funds was impossible, and that tracking this transaction was unfeasible the CFPBs finding indicate that he has not only neglected to protect consumers, but also allow repeater finishers to exploit the system, leaving us vulnerable to XXXX. This is lack of accountability and transparency, and unacceptable and raise the serious concerns about consumer safety.
Product: Debt collection

I sent Midland a dispute letter regarding the above account that you sent me a settlement letter for. In my letter I advised you that this was a dispute notice & that I have never had an account with your company-Midland Credit Management or your XXXX Bank. I also advised you that I never applied or had a XXXX XXXX card. 

On XXXX/XXXX/XXXX, I received a response letter from XXXX XXXX, XXXX XXXX. The letter was undated & it failed to acknowledge any receipt of my dispute letter that was sent and received certified mail thru XXXX # XXXX XXXX XXXX XXXX XXXX. However, instead XXXX XXXX 's letter only stated XXXX 's new policy that was effective : XXXX XXXX, XXXX. At the bottom of XXXX XXXX 's letter, he then went on to state, This account XXXX still be reported on your credit as unpaid. I am not too sure if my simple letter was mis-comprehended, so I have re-sent a copy of it again with another dispute letter. In regards to XXXX 's statement, this can not still be reported on my credit when I have never had, opened, or obtained this account with XXXX XXXX XXXX XXXX. At any rate, even though XXXX 's response time limit expired & failed to be a DEBT validation, he should have sent me a debt validation. However, I know it is impossible Midland can furnish a DEBT VALIDATION because I have never applied for a XXXX XXXX credit card with XXXX XXXX! As a result, I am re-contacted the FTC, and I will continue to dispute this until it is handled CORRECTLY!! How is XXXX XXXX a XXXX at Midland Credit and he is not wise enough to acknowledge disputes or send debt validations in response to a dispute, sending me a general letter after I have sent XXXX a certified dispute will not be accepted. I have mailed CFPB a copy of his letter along with a copy of my original dispute letter to demonstrate his ignorance in the FDCPA & FTC.
Product: Debt collection

Keep trying to collect on a debt that is not mine. Threatening that to call them back is in my best interest. I do not owe this debt, it is not mine. Filing complaint with XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Real Time Resolutions is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with XXXX  XXXX XXXX. I have never had an account with XXXX  XXXX XXXX  and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.
Product: Mortgage

Hello, XXXX : New Day XXXX is scamming folks into using their services ( at a minimum ) I am a proud XXXX XXXX military member. As such I was recently deceived by a letter from a XXXX XXXX XXXX XXXX XXXX. The return address and much of the company marketing upon opening of the letter very clearly identifies myself as a veteran and authorizes a large sum of money with a mock check totaling up to {$60000.00}, signed by XXXX XXXX XXXX XXXX ... a civilian who's military background has absolutely zero to do with a mortgage company. This extremely unscrupulous and deceptive leverage of his former pay grade is a disservice to veterans ( fact ) and the legacy our warriors throughout the history of this great Nation have fought to preserve ( my opinion. ) Unsurprisingly the phone number within the document did not reach this XXXX yr old XXXX and the return address is not his residence. The same address is clearly marked by a XXXX XXXX XXXX headquarters on the business ' website. 

I may not be a XXXX XXXX but I know right from wrong and this is obviously wrong. Tighten up " XXXX. '' Honestly, forgo your own legacy XXXX XXXX and XXXX XXXX. Tell your lies to your own family and loved ones, don't send this garbage in the mail to mine. Take your hat off of the hook you put it on because it isn't worth a XXXX. 

Another red flag is activation codes on everything that can be used as a complaint vector.