23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

CASE # XXXX My account number is XXXX XXXX XXXX XXXX ( this account was closed and I was issued a new card ) My English is terrible, and would therefore try my best. 

on approx XXXX or XXXX I was charged {$12000.00} and I called in few month later explaining that I never received the merchandise " I DID NOT DISPUTE IT AS FRAUD '' I was nicely given a refund and all was good. 

Then approx XXXX the refund was reversed and I got a letter stating that it's because I gave the merchant access to my card. 
" OF COURSE I GAVE THEM ACCESS, HOW ELSE WOULD THEY BE ABLE TO CHARGE ME, THE FACT THAT THEY DID NOT DELIVER IS WHAT BANK OF AMERICA SAID THEY WILL COVER ME '' So I was given a list of paperwork to email or mail in and then I was given a fax number where to faxes, I faxed in all requested documents. I then received a direct phone number and I direct representative to deal with. However, every time I called and they played games with me and they told me that has to be escalated and this is not acceptable in anyway I have proof from every angle which I will not release on this's first attempt to resolve it periods shows Bank of America come back with excuses which is they're deceptive lies and corruption I will prove to them all my resources I have. Including and mainly the merchant admitting to me that he refunded it but did not have phones in his account on the refund and therefore it did not go through and in fact he even apologizes to me for filing through. In the meantime I was promised I will not have to pay interest until he finishes on the investigation that didn't a hold true for several months the last three months I didn't pay a lot of money for something I did not receive and I dated a lot of interest and I beg of the consumer financial protection bureau to help me get all my money back. I will attach to this complain the letter which I send to Bank of America I will also attach Bank of America 's letter lying to me and telling me they can not revise the revised phone of course I gave them access to my account. And it's so stupid because every time you do a purchase you give access to XXXX but I have protection that if I don't receive what I paid for a Bank of America you'll take responsibility.
Product: Debt collection

I have no knowledge of this debt. The debt is not mine, and I would like it to be removed as its reporting to the credit bureaus and negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, The 3 Credit Reporting Agencies, XXXX, Experian and XXXX have violated my rights. On XX/XX/XXXX they all received instructions to perform a thorough investigation in which they did not. They had more than 30 days to perform the investigation and did not provide results or deletions. 

Tracking Numbers for Investigation requests are as follows : USPS XXXX # : XXXX Experian Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX USPS XXXX # : XXXX XXXX Received XX/XX/XXXX U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 States a consumer reporting agency can not furnish an account without my written instructions.

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

My rights have been violated numerous times as evidence shows and I demand these accounts be deleted from my credit report. I have provided the accounts attached with 2 different credit reports and below as follows. 

Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : OPEN XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX XXXX XXXX Paid Account/Late Payments : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX {$1000.00} not mine XXXX {$180.00} not mine XXXX {$50.00} not mine XXXX {$820.00} not mine
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Reporting inaccurate information in my credit report. 
For the Auto Loan they are reporting to XXXXXXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To Equifax they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to Equifax date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.
Product: Debt collection

I have sent certified letters requesting validation and have gotten no response from this company. Account has been on my credit report for a long time with no validation nor response from company
Product: Mortgage

We direct your attention to the evidence presented at trial in 2019, a letter from Ocwen Loan Servicer, your predecessor, as a response to the defendants complaint to the Consumer Financial Protection Bureau and accepted as evidence by the court, which stated that XXXX XXXX XXXX XXXX XXXX ( XXXX ) is not and never has been the owner of defendants Mortgage and Note. 

Your company has no legal Standing in this matter, yet you have continued to send deceptive demand letters for payment despite numerous attempts by defendants to stop you. 

We are again requesting that you stop sending these letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documentation to prove XXXX XXXXXXXX XXXX used my credit report fraudulently. They input my address as an old one. When I use to live in Arizona. I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. Thank You very much for your help with this matter. XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 Bank ( XXXX ) XXXX See an error? Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Consumer Loan

From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off.
Product: Credit reporting or other personal consumer reports

Hello thereI have noticied an unauthorized inquiry on my credit report that I would like removed. It is the Inquiry from XXXX XXXX. According to the FCRA unverified and unauthorized items must be removed. Thank you so much.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to follow up on my ongoing case with Navient regarding my school misconduct student loan discharge application. While I appreciate the assistance provided by the CFPB that led to my application being acknowledged and marked as pending in my Navient account, I have yet to receive an official response from Navient regarding the approval of my discharge application. 

Moreover, XXXX of my private loans is currently marked as " suspended, '' and I recently received correspondence indicating that my loans will be serviced by XXXX starting in XXXX. Despite these developments, my primary concern remains the need for a full refund of all payments made on these predatory loans. 

My loans amounts have been updated to XXXX balance which is a step in the right direction however these loans were based on aggressive and deceptive practices and warrant a full refund. 

Background : I was enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was forced to close due to numerous violations, including aggressive and deceptive recruitment practices. The financial aid representative, XXXX XXXX, used predatory lending tactics to coerce me and my father, XXXX XXXX XXXX, into taking out these loans. These tactics included pressuring immediate enrollment decisions, misleading information about the educational services and employability of graduates, and obtaining our contact information through deceptive means. 

Given the aggressive and deceptive nature of the recruitment and lending practices employed, these loans are predatory and fall under the purview of the Department of Education 's regulations against such practices. 

XXXX XXXX XXXX XXXX : I have already successfully received a borrower defense loan discharge for my federal loans, including processed refunds. This outcome further validates the predatory and unlawful nature of the practices employed by The XXXX XXXX, and underscores the need for similar action regarding my private loans serviced by Navient. 

Request for Refund : In addition to the discharge of the outstanding loan balances, I am requesting a full refund of all payments made to Navient on these predatory private loans. The XXXX XXXX and the documented predatory lending practices used by XXXX XXXX XXXX justify this request. It is imperative that Navient acknowledges the harm caused by these predatory practices and refunds the payments to rectify the situation fully. 

I urge the CFPB to assist in ensuring that Navient not only processes my loan discharge application promptly but also issues a full refund for all payments made on these predatory loans. I have provided substantial evidence to support my case, and I am confident that the predatory nature of these loans warrants this action. 

Thank you for your continued support in addressing this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is trying to collect money from me that I dont owe. I open up a business account I was told I had 7 days to return the phone if I decided to close the account the only thing I would be charged would be a restock of {$5000.00} for the phone. After thoroughly thinking I decided to return the phone and end the contract within the timeframe they gave me..I was charged the {$50.00} restock fee. I thought everything was over. I started getting letters that I owed over {$300.00}. I was shocked because I never made a phone call on the phone.I called and the representative told me where he saw that I returned the phone in the timeframe allowed and saw my {$5000.00} restock fee. I was even told they would have never accepted the {$50.00} restock fee if I didnt return the phone and cancel the contract within the timeframe. I was happy to her that. The representative said he will notate and I shouldnt get anymore letters concerning this. Well now I have a letter from a collection agency stating I owe XXXX XXXX XXXX {$300.00}.
Product: Debt collection

I signed a 1 year lease in  XXXX  with   XXXX   XXXX   XXXX  , shortly after the apartment were purchased by   XXXX   XXXX   XXXX   in Georgia. I remained until   XXXX   XXXX   when my lease expired and I submitted paperwork that I would not be renewing the lease. I moved and had no issues until a few months after I received a call stating that I had been sent to collections ( I received no communication from the apartment complex itself ) for the carpet being destroyed, oven not being cleaned and trash left in the apartment, with none of this being accurate. I recently checked my credit report and noticed that this had been posted, I contacted the agency,  Rent Recovery Services  and asked them to send me proof of debt which I received via email. A few things jumped out at me right away, especially since I knew their claims were false. The move in move out inspection agreement though signed off on the move in portion dated  XX/XX/XXXX , theres no sign off or documentation of the state of the apartment for the move out, which I did in   XXXX  . Also, theres no stipulations about being required to purchase replacement carpets especially after residing there for 3 years. There is absolutely no proof of their claims either by the move out agreement or pictures taken and would like all collections attempts to be stopped and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment and my account is not past due but Bank of America notified XXXX that I am. 

BANK OF AMERICA NA # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Balance ; Date Updated ; Past Due ; Rating. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$31000.00} DateUpdated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX High Balance : {$36000.00} Credit Limit : {$57000.00} Past Due : > $ XXXX Pay Status : >Account 60 Days Past Due Date< Terms : {$330.00} per month, paid Monthly >Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX
Product: Student loan

I received my loan statement XX/XX/XXXX, my principle balance was {$720.00}. On XX/XX/XXXX I made a payment of {$250.00}, {$240.00} went to my principle balance. I checked my account again on XX/XX/XXXX and my current balance was {$820.00} and accruing interest charges base off that amount. I notified UAS/XXXX XXXX of the mistake on XX/XX/XXXX to which they replied they were waiting on an account specialist to advise them on what to do, I requested documentation of the additional charges on my account. On XX/XX/XXXX they emailed me a copy of the loan details that did not indicate any fees or charges that justified the increase in the current balance. I restated the issue and asked for documents supporting this increase and asked they review my statement from XX/XX/XXXX and compare the current balance available with the principle balance on my statement ( {$720.00} ) and the payment ( {$250.00} ) applied to the account on XX/XX/XXXX. On the XXXX I checked my account again and the principle balance was {$730.00}, I emailed requesting an explanation and restating that the amount was still incorrect. I issued another payment of {$250.00} on the XXXX, an additional {$240.00} was applied to the principle balance. Today, XX/XX/XXXX, I got an email from UAS stating they had made a slight adjustment to my account and claimed " the rollback/roll forward and missing accrued interest recalculation from XX/XX/XXXX is what caused the balance to change. ". My current balance as of XXXX CST was adjusted to {$570.00} which is still the incorrect amount. I have emailed them multiple times today informing them that the new balance only takes into account {$250.00} of the {$500.00} I have paid this month on my loan. They claim the current amount of {$570.00} is the correct amount due. I informed them that based off my principle balance and my payments that is incorrect because {$720.00} subtracted by {$480.00} does not equate to {$570.00}.
Product: Vehicle loan or lease

Ive tried multiple times to change email on file but can not which is leading to impacts on my credit.
Product: Mortgage

My mortgage was sold to a new servicer without my knowledge in XX/XX/2023. I was made aware of this in XXXX. I contacted the company to set up my account and start automatic payments. I was told this would happen. I made a lump sum payment at that time to bring my account current. There was no credit consequences at this time. I was placed on paperless billing. 

I never received a bill of any type and assumed my payments were being made via automatic withdrawals. I then received a snail mail bill for 2 months ( XXXX and XXXX ) worth of payments at the beginning of XXXX. I immediately got online to make the payment. I then called the company to confront them about why they didnt send me an email bill for the XXXX payment if I was not on the auto pay and why my account was not placed on auto pay as I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DPT EDXXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} , DPT EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, DISCOVER HOME LOANS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I deposited a u s treasury department check into my bank of america ATM.on tuesday XXXX XXXX. Bank of America placed a 7 day. Hold on my US Treasury deposit and printed on the receipt that funds would be available by today. XXXX XXXX XXXX by XXXX. My money has not been released to me. And when I called, they told me. I had to wait another 24 to 48 hours and I should keep checking my account.
Product: Debt collection

XXXX XXXXXXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I co-signed for my daughter a car, which had full coverage insurance and Gap insurance to cover whatever the insurance didn't cover. In XX/XX/XXXX my daughter had a car accident the car was totaled. She contacted the insurance company they paid what they needed to pay and she contacted Gap insurance they sent KIA their money but KIA is Saying we owe them XXXX. When I ask KIA to send me in writing how do we owe money and what for I never recieved anything. On my credit report it's showning that I have a charge off/collecting. I really need this off my credit, I pay all of my bills and on time.