23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attemptsXXXX, and Solomon & Solomon continue to verify this debt without proper validation. Solomon & Solomon has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account is in dispute, they continue to reflect non payment monthly on my repute. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.
Product: Credit reporting or other personal consumer reports

I opened an account with BOA when my daughter was a minor. She is the sole user of her account. The end of last year my daughter was a victim of theft. She was contacted by a group of people on social media, Pretending to offer her a job only to get her information and steal from her. I will attach a police report that we made explaining the whole situation. This is still an ongoing investigation, and just the beginning of this year the people have been tracked down. Like I said this is still an on going investigation. My daughter did go to BOA and set a payment arrangement to pay off the debt that in reality shouldnt even be hers she is a victim. She went in to XXXX spoke to the fraude department and XXXX still reported this. This is completely unfair and their report should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : " Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ''.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

did reached out to TRANSUNION ON XXXX XXXX ABOUT A DISCREPANCY AFFECTING MY CREDIT WORTHEE NESS BEACUSE OF ERRORS BEING REPORTED ON MY CONSUMER FILE. WHICH SHOWS THAT TRANSUNION DID NOT MEET FCRA REQUIREMENTS AS IT IS REQUIRED TO DO ACCORDING TO FCRA TO INSURE MAXIMUM ACCURACY, MAXIMUM VERIFICATION AND MAXIMUM COMPLETENESS OF MY CONSUMER FILE. TRANSUNION WILLFULLY DISREGARDS FCRA COMPLIANCE. CFPB YOUR HELP IS GREATLY APPRECIATED TO HELP RESOLVE THIS MATTER ONCE AND FOR ALL.
Product: Checking or savings account

On XX/XX/year>, there was a hold placed on my account in the amount of {$140.00} for incidental holds from XXXX XXXX. Ive contacted cashapp several times and provided all information requested including the entity telephone number. They have stated they throughly investigated but refuses to release the hold of {$140.00}. Ive provided a receipt, email from XXXX XXXX  and a letter stating that the {$140.00} was released on XX/XX/year> which came directly from the merchant. Cashapp refuses to release my funds and has continued to hold my money stating they thoroughly investigated my claims. Ive requested copies of their disclosures as well as their policies and procedures and have not been provided any of the requested information nor my money.
Product: Credit card or prepaid card

Recently I checked my three credit reports for the first time in over five years. 

I noticed a late payment reporting on my Capital One credit card account to the three credit reporting agencies for XX/XX/XXXX, which is inaccurate. Because of my XXXX illness and the shelter in place restrictions here during that difficult time, I contacted a Capital One representative by phone to explain my situation about my late payment. At that time there was an agreement made to have any late payment reporting for XX/XX/XXXX waived from my credit history, and instead reported as an on time payment by Capital One. Now I see Capital One never honored our agreement made by phone in XX/XX/XXXX. 

The CARES Act, which was signed into law on XX/XX/XXXX, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis. Under the amended FCRA, if Capital One made an accommodation to me because I was affected by XXXX during the covered period, Capital One must report my account as current to the credit reporting agencies. 

Additionally, I would like to share that I have been a Capital One cardholder since XX/XX/XXXX, and the only negative mark on my payment history with Capital One since that date is for the XX/XX/XXXX period. Furthermore, this dispute with Capital One is the only negative mark that appears on my entire credit history. 

Be aware that my Capital One account has a credit limit of ( {$500.00} ), which is less than 1 % of my entire revolving credit limit ( {$51000.00} ) involving twelve creditors. I find it extremely disheartening that one creditor ( with such a small representation of my overall revolving credit ) has damaged my credit for more than two years because they neglected to honor our agreement made during the XXXX crisis. 

I recently contacted Capital One by writing to resolve this matter and their generic response ( attached ) was that their late payment reporting for XX/XX/XXXX is accurate. No mention was made in their findings about the life changing XXXX restrictions and issues we all faced at that time, and they did not acknowledge our agreement made at that time regarding my payment.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$640.00} & XX/XX/XXXX XXXX Balance : {$65.00}
Product: Debt collection

To whom it may concern : In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : KOHLS/CAPONE Account Number : XXXX I also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you.
Product: Debt collection

I have no Knowles of this account and have requested to the debt collectors to send my anything with my signature on it which they have yet to do.
Product: Money transfer, virtual currency, or money service

This complaint is against PayPal. I sent my mother {$40.00} Via my PayPal account to her PayPal account. Immediately after I sent it I realized I had sent it from my credit card instead of my debit card. I contacted my mother and she immediately initiated a refund. All this happened in less than 2 minutes. I also called PayPal and requested a refund. I was told that they saw where my mother had initiated the refund process and that the money would go back on my card immediately. That did not happen. I contacted PayPal through XXXX. ( I have a copy of those conversations verbatim. I am uploading the entire conversation between me and several PayPal associates. ) I was told that they were waiting for my mother to initiate the refund. I let them know she had already initiated the refund. I contacted them again using the same message. This time a different customer service rep replied. He said they were waiting for my mothers bank to return the money and as soon as that happened PayPal would refund my money to my cash account. I informed him that my mother never sent the money to her bank that she initiated the refund immediately. The next person to reply told me I had already received the refund and it was in in my cash account. I screenshot my home page and it showed {$0.00}. The next person told me that PayPal was waiting for my mother to initiated the refund. My mother sent me a screen shot of her account that showed she had initiated the refund and it was completed 4 days prior to this conversation. I uploaded that screen shot. The next one told me they had already refunded it to my credit card and I should receive it with in 5 business days. Its been 7 business days and I still haven't received it. I contacted my bank and they say they have not received any refund from PayPal. Read the entire conversation that is uploaded between me and PayPal. The last one to respond also told me it was already refunded to my card. Again I contacted my bank and they have not received anything from PayPal. This was yesterday. I want my {$40.00}. I am including the transaction number and my PayPal email. XXXX XXXX # XXXX
Product: Credit card or prepaid card

I initially understood the company would be freezing interest and minimum payments due to the Covid 19 pandemic. I have lost more than 50 % of my income due to the virus circumstances. Later I was informed that interest was still accruing. I do not see any help at all from this, in fact they are actually making more profit off me than normal because of Covid 19.
Product: Credit card or prepaid card

Hello CFPB! 

This complaint is for Citi Credit Card. 

I am writing to talk about Citi 's Credit Card Membership Fee accident. My credit card number is ending in XXXX, valid Through XX/XX/XXXX. Name on card is XXXX XXXX. 
XXXX years ago, I called Citi to close this account and Citi told me it was closed. Then I just let it go for a long time and didn't use & monitor my Citi Credit Card. If Citi takes a look at my statement history, they will find I stopped using this card since then because I was told this account was closed. 

On XXXX XXXX, I happened to find that the card is still active, and Citi was keeping charing me membership fees. So Citi charged me for two times membership fee without informing me! I also never get the mail statement regarding these fees, no chance for me to cancel or dispute. 

On XXXX XX/XX/XXXX, I called Citi Customer Service to refund my XXXX 's membership fee and close this account. At that time, I was told to wait for a refund check and the account would be closed. 

I have been checking mail boxes for two months for the refund check and now I suddenly found that the account is Still OPEN! 

I called tonight ( as of XX/XX/XXXX around XXXX CDT ) Customer Service and got treated the rudest way in my life. Those XXXX Customer Service representatives, they told me they are : XXXX XXXX and XXXX Senior Supervisor XXXX. Ironically, hey said " there was no way to waive the recently charged membership fee '', because I called " too late '', which I don't believe because customers should have right to dispute their most recent past statement. 

I would like to talk to Citi to resolve these issues : ( 1 ) Why Citi didn't close my account two years ago, neither did Citi close my account on XXXX? Why all phone calls ended up keeping my account open? This is causing financial loss for fee-paying account! 
( 2 ) How does Citi train their customer representatives? Why they know nothing and keep doing wrong things? Who should be responsible for this accident?

( 3 ) How to resolve the long-lasting membership fee issue? I request 2 years membership fee back, due to it was violating customer 's consent. 

Thank you for taking care of this issue! I really appreciate it!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Bank 4019 , 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting a collections and negative account on my transunion credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Equifax removed a past debt that was XXXX in XX/XX/XXXX. Then the debt was placed back on my report without notification stating the account was verified. The 1099 copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX.
Product: Credit card or prepaid card

I have a sofi credit card open belong with my information but I never opened it. It display the address in XXXX when I'm living in XXXX  and I filed police report, contact with Sofi and also filed credit dispute but not work.
Product: Credit reporting or other personal consumer reports

You must remove incorrect accounts from my credit report as required by FCRA 605B. Please verify the documents. Some of the listed accounts have inaccuracies, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Unverifiable Accounts Dear XXXX, XXXX, and TransUnion, I am writing to formally request the removal of two XXXX XXXX charge-off accounts for {$510.00} and {$3900.00} from my credit reports with your agencies. These accounts were recently disputed and investigated on my XXXX credit report, where they were deemed unverifiable and subsequently deleted as of XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), a consumer has the right to dispute inaccurate or unverifiable information on their credit report. Once Innovis deleted the accounts after completing their investigation, it is clear that these accounts could not be verified. As such, in accordance with the FCRA 611 ( a ) ( 5 ) ( A ), you are also required to remove unverifiable accounts from my credit file.

Additionally, under FCRA 623 ( b ), furnishers of information must ensure the accuracy and integrity of data they report to credit reporting agencies. Since Innovis has confirmed the deletion of these accounts, they are legally obligated to report the updated information to all other credit reporting agencies. Failing to remove unverifiable accounts from my credit file would constitute a violation of my rights under the FCRA.

I am requesting that these unverifiable accounts be deleted from my credit file within 30 days or less of receiving this letter. Should these accounts not be removed within the requested timeframe, I am prepared to exercise my rights under FCRA 616 and 617, which allow for civil action against non-compliant credit reporting agencies for damages resulting from willful or negligent noncompliance.

I have attached supporting documentation, including proof of the Innovis investigation and deletion of these accounts. I strongly encourage you to review this matter promptly and ensure compliance with federal laws.

Please send me written confirmation of the deletion of these accounts or provide an explanation as to why these unverifiable accounts remain on my credit file. You can contact me via phone at XXXX, email at XXXX, or by mail at the address provided above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We called Citimortgage, our current lender, to find out about refinancing our home. We asked about the rates as well as questioned whether we had enough equity in our home to get the amount of money we needed. We gave our information to XXXX XXXX, a loan originator, who then looked up our property. He said that our value was {$350000.00} based on a XXXX estimate. We questioned the value and verbalized that the XXXX estimate was far too high ( on more than one occasion ) and XXXX XXXX reassured us that XXXX was " pretty spot on '' with its estimates. We went forward with the loan application and paid the fees for the processing and appraisal. After submitting endless paperwork and hounding the personal processor, XXXX XXXX to keep us up to date with any additional information she may need, the appraisal came back, and it was {$95000.00} less than XXXX estimate. XXXX XXXX then came back with a much smaller loan amount and higher percentage rate assuming we would continue. Needless to say, we felt like this was negligible on Citi 's part. XXXX XXXX prepares home loans as a profession, and we believed in his faith of XXXX estimate. We would have NEVER gone through the process or paid the money to CitiMortgage had we known the real value of our home ; it would have been obvious that the value of our home did not support enough to refinance. I called XXXX manager, XXXX XXXX ( NMLS ID : XXXX ) and stated that I believed it was negligent on Citi 's part to use an estimate that is so inaccurate and requested our money back. After XXXX XXXX listened to the audio from our calls with XXXX XXXX he agreed ( while not admitting fault on Citi 's behalf ) to refund our money. Since then, I have emailed XXXX XXXX weekly for well over one month and received various statuses regarding the refund I was promised. Ie. " Team overlooked decline note '', " reprocessed ''. I feel as though CitiMortgage/XXXX XXXX should keep their word and refund the money. The last correspondence I had with him was Wednesday, XXXX XXXX, 2017, where XXXX XXXX said he " resubmitted the refund on XXXX/XXXX/2017 and it should be credited to the card in a few days ''. My husband called the following Monday XXXX/XXXX/2017 and XXXX XXXX said the same thing. It is now Friday, XXXX XXXX, 2017, and well over 30 days from when we were originally promised our money back by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I would like to formally express my concerns for Zelle 's handling of disputes in light of the recent complaint filled with the CFPB highlighting significant issues with the platform. Despite using Zelle numerous times and reporting issues with the service my disputes were never fully investigated. I was told it was unrecoverable.
Product: Checking or savings account

My Wells Fargo account was closed. Due to overdraft fees, They sent out check when they realized the messed up for {$400.00} and I never recieved check and cant open an account there
Product: Student loan

I graduated in XX/XX/2016. My grace period ended 6 months later. I promptly enrolled in NAVIENT 's auto-pay feature and have made my payments on time and in-full ever since. 

Lately, I have been focusing on my loan with the highest interest rate. After logging in recently, I noticed that the principle balance on this particular loan has not decreased appreciably since XXXX. The minimum payment on this loan is ~ {$330.00}. Yet, when reviewing the payment summaries for XXXX ( XX/XX/XXXX ) and XXXXr ( XX/XX/XXXX ), only ~ {$94.00} in interest has been applied. 

NAVIENT is misallocating my payments among my lower interest loans while preserving the principle balance of my higher interest loan.
Product: Credit reporting

After creating an account at XXXX 's website I noticed on my trans unioncredit report that I have a civil judgement against me. I disputed the judgementagainst me on the trans union website and after 30 days had passed, trans union sends me an e mail saying that the investigation of my complaintresults in my civil judgement being valid by the law firm who sued. 
I discovered yesterday from getting court copies of this lawsuit that this is acase of mistaken identity. I am not disputing that the civil judgement is notvalid, what my dispute was about is that they have the wrong person. Thiscivil judgement is about someone else not me and should not be showing onmy credit history at all. Trans union I feel did n't do their job by removing thisoff of my credit history. This civil judgement clearly is valid but I am not theperson. They have me mistaken for someone else and I want this removedfrom my credit file. I have all the proof to show I am not the person in the civiljudgement and I am prepared to show what ever documents that 's needed so Ican finally get this judgement removed from my credit history.
Product: Money transfer, virtual currency, or money service

XXXX didnt have proper disclosures of sending payments to the correct person and sent money to the incorrect person and I wasnt able to get those funds back.