23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Disputed the following charges with NAV Prime Card on XX/XX/2023 and XX/XX/2023 and NAV said that provisional credits for the full amount of the charges was to be posted by XX/XX/2023. Contacted NAV on XX/XX/2023 and they now have no timetable to post the provisional credits. 

XX/XX/2023 Disputed XXXX XXXX XXXX  charge in the amount of {$89.00}. Paid for annual fee but never received products or services. Immediately cancelled service same day for full refund. 

XX/XX/2023 : Disputed XXXX  XXXX  in the amount of {$99.00}. Paid for annual fee but never received product or services. Immediately cancelled service same day for full refund.
Product: Credit reporting or other personal consumer reports

These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its absolutely shocking to find that there are incorrect accounts on my credit report today, and I have no clue why this happened. I regularly check my report, but suddenly, there were these discrepancies that didnt make sense. I even refreshed the page, hoping it was a glitch, but the errors stayed. I need these documents checked carefully so that I wont have to worry about facing this kind of stress ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of violations ; In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is a private label servicing situation where XXXX is doing the servicing 'work ' but it 's being branded as FirstKey .... 

Short Sale Package was submitted XXXX/XXXX/16. We have not received any communication whatsoever from the negotiator. We can not get a straight answer from anyone in the company. Every phone call we are told a different story. We were told on XX/XX/XXXX that the file was marked complete and moved to a negotiator - XXXX XXXX. Now today, XX/XX/XXXX, we were told it was only sent to the negotiator for 'initial review ' on XX/XX/XXXX and not deemed 'complete ' until XX/XX/XXXX, therefore the 30 day time-frames start over again from XX/XX/XXXX. They are playing games with the '30-day ' timeframe guidelines and they are lying to us on every call we make to them. They are refusing to call us back. When we call them they are very rude and dismissive. It is very apparent to me that they are trying to cover up for the negotiator not working the file since it was submitted XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

On XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, paid off the existing loan on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. OCWEN Account Number XXXX. OCWEN has since has refused to file a reconveyance deed showing the loan has been paid off in full. I have talked with them, telling them the law states they have 60 days to do so. They said they did not have to because they had sent a letter to me stating that the loan was paid off. Because this loan still shows active, it is causing me a problem on future refinancing. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX date : XXXX XXXX, XXXXXXXXXXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I proceeded to add {$400.00} to my Revolut account via a debit card. After doing so I proceeded to close my account associated with my debit card. The reason for loading the funds was to drain my account so I could close it. I also promptly destroyed the debit card for security concerns. After closing the account where the funds originated, I no longer have online access which means I can not retrieve any documentation. 

On XX/XX/XXXX I proceeded to attempt to withdraw the money to my main bank account ( XXXX XXXX ) in order to pay some credit card bills. The withdrawal was sent back to Revolut. I logged back into Revolut and attempted a payment and that was denied as well. 

My account is currently locked as Revolut is seeking a picture of my now destroyed debit card. Obviously I can not provide this. I have explained this several times. I am happy to provide means of proof of my identity. I have offered to simply just let me pull the money out and they can close my account ( it's only {$400.00} ). I have even offered to have the funds sent back to original destination and I would have to deal with retrieving the funds from the original bank, which I am sure won't be easy. All of these offers have been declined and they are still asking for a picture of my destroyed debit card. I destroy financial information by burning it. I can not get that back. 

As it stands my funds are essentially locked forever as I can't unburn a debit card. This is unacceptable. There has to be another means of retrieving my funds but they are refusing to work with me on an alternative.
Product: Credit reporting or other personal consumer reports

Experian is. Reporting inaccurate and false information on my credit report failed to provide. Means. Of and accurate validation for information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Cashapp has been giving me unauthorized transactions that I did not do and when I make a claim they dont respond.
Product: Debt collection

Dear, CFBP officer. 
I reported and disputed about this Identity theft roughly 3 months a go regarding TRANSWORLD SYSTEM INCXXXX XXXX XXXX  XXXX PA XXXX they claimed I owe them {$2300.00} for service that never exist. I never knew this company and does not exist in Ca. please CFBP help me. this company really ruin my credit score. I did report and dispute to XXXX credit company too, but they still has not remove it yet. I really don't know what to do anymore. should I hire an Attorney to file a lawsuit against this company? I will be really appreciate if you can tell XXXXXXXX XXXX XXXX to remove this company from my credit report and restore my credit score back. Thank You CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with Equifax, XXXX and XXXX and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit reports, it has been well over XXXX days and i have not received any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Inc. Customer Data Security Breach Litigation ; Case XXXX Violations Include : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681 ( b ) ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ).

As a victim of identity theft linked to the widely publicized Equifax Data Breach ( XXXX XXXX. XXXX ), I am formally invoking my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. These laws are explicitly designed to protect consumers from the unauthorized use of their personal information and ensure the accuracy and integrity of credit reporting practices. Equifax negligence and continued retention of credit, finances, and personal well-being. I have demanded the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to XXXX XXXX, Equifax, and XXXX, and informed each, that the accounts listed do not belong to me. 
Equifax received materials, the accounts were deleted and proof of the deletion was confirmed. However, the accounts were reinserted back on my credit files and yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and still sending stall letters, which is frivolous. 
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 XXXXXX/XX/year> This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report numerous times. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. I have been disputing these particular unauthorized accounts for months, and your refusal to delete or block these fraudulent entries constitutes a blatant violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Equifax to block and delete any fraudulent information upon receipt of a valid identity theft report.
Product: Debt collection

I am being pursued for Rent for a place they apparently have in my name that I was not a leasee or tenant of at the time and dates they are claiming.
Product: Debt collection

When attempting to obtain a mortgage loan, my lender notified me of an outstanding balance with XXXX/XXXX  in the amount of {$720.00} I contacted the lender on XX/XX/XXXX in an attempt to pay off the balance. They said that they were not able to take the balance from me because the balance/debt had been sold to UDH ( see below ). For all resolution, I needed to contact them, pay the balance and then UDH would send them a release letter, and then update my credit report accordingly. 

I contacted United Debt Holdings ( UDH ) at the number provided by XXXX XXXX ( XXXX ) XXXX. The recorded message on that line was that the business had closed. I searched through the internet and found that the business closed on XX/XX/XXXX. I also found several complaints on the Better Business Bureau and on the XXXX XXXX XXXX ( https : XXXX ). I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX and was informed on XX/XX/XXXX that they attempted to contact the business, and also found that it was closed and offered no recourse for resolving the discrepancy. I have attached a copy of the response from the XXXX XXXX XXXX to this complaint. 

Based on the other complaints that are published for this company, I believe that it would have been difficult to clear anything with them. I had intentions of taking care of the debt, but have no one to contact. The other critically important pieces of this is that I was not contacted by UDH or XXXX  that the debt was sold to another agency in an attempt to clear the balance. I had not opportunity to clear it with UDH even before they went out of business. 

I believe that it should also be noted that I am currently a customer of this company, and am in excellent standing with them, and have not had any issues with this originator of the debt on my current debt. Additionally, I believe that it should be considered that they issued an additional line of credit to me, along with credit increases since XX/XX/XXXX because of my standing with them.
Product: Student loan

After working in a qualifying school for 5 years, I applied for student loan forgiveness last XXXX. Granite State Management and Resources is denying full loan forgiveness of {$17000.00} stating that I XXXX  in " an XXXX XXXX '' and will only approve {$5000.00} of loan forgiveness. Two of my coworkers received the full loan forgiveness amount. We XXXX  in the same subject in the same XXXX XXXX building, they simply had different lenders. GSM & R should not be able to interpret the loan forgiveness program differently and deny me while others in the same situation are being given full forgiveness. 

Following the denial I contacted the ombudsman group, XXXX, NH DOE and the Banking Division of NH with no resolution.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Former XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXX XXXX Employers : Collection/Charge Off : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery has reported a deogatory account to my credit report that has also been reported by XXXX XXXX. I have asked both agencies for proof of debt and neither could provide.
Product: Vehicle loan or lease

This is from XXXX XXXX in regards to CapitalOne Auto Finance Loan Account # XXXX : 1 ) CapitalOne has been Billing the loyal paying consumer 16.55 % APR since XXXX with out any loan readjustments and this account is not in adherence to XXXX XXXX industry standards, interest rates, trends and paradigm shifts such as Block Chain Technologies 2 ) Although  the initial sales order shows 72 payments. But, Capital One online statements show and insist on 75 payments of {$500.00} misleading the consumer 3 ) The vehicle should have never been sold to the consumer because it does not complete the definition of a business transaction because it has lacked quality in manufacturing 4 ) The vehicle should have been tested by the financier for quality standards. because, The vehicle has had various recalls. specifically with the Engine of this XXXX XXXX XXXX model leading to quality problems and risk of engine failure, risk of accidents and major risk of loss to the consumer 5 ) CapitalOne tends to show all Predatory Lending Practices in this account scenario 6 ) The vehicle vehicle amount financed was XXXX and total amount paid to financier is XXXX. But, has lost significant value due to continued Manufacturing Defects and Lack of Field Failure rate and Quality Metrics from the manufacturer. 
7 ) This matter was notified to Capital One. But, had no outcomes and the consumer is being robbed again and again and again
Product: Credit card

I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Bank of America issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Bank of America that has left me ineligible for future sign-up bonuses from XXXX.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 
The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I anticipate receiving your response within this specified time-frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX