23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Had a phone with XXXX get water damaged. Phone did n't work anymore. Bought out of contract with phone # 1 for XXXX bucks to verizon. 

Opened up new line for phone # 2 through XXXX wireless advocates online. Received phone, phone does not work or preoperly sync with previous XXXX account or XXXX music. Numerous issues with phone as it was not shipped properly ( literally in the factory packaging with no protection for shipping ). Returned phone before 2 weeks was up due to ineffective phone not working properly even to call people. 

Opened up alternate new line in last attempt to receive proper service with a working phone. Went through XXXX XXXX rather than online distributor. Even worse results with iphone not being able to update while contacted to wifi with multiple error codes and account issues and music issues again. Returned phone before 2 week period was up and was tied into contract. 

Tried again with alternative service provider and much better results. Do not want free service, I want a phone that works which could not be accomplished through XXXX and XXXX. 

XXXX reaches out saying you owe us {$78.00}. I call and talk to customer service. XXXX, a female representative, informs me they will call me back after getting manger approval after getting {$20.00} activation fee removed from account for now {$58.00} owed. They never do and I get new notice in the mail. 

New notice now claims {$220.00} is owed on account that has and already is closed. I can not login online to account due to it being closed, but every notice in the mail indicates it is different. 

Receive new letter saying - {$140.00} has been given back to me or accredited to my account. Receive new notice saying it is now {$560.00} both from XXXX and their collections agency XXXX. 

Calls have been made to family members from collection agency demanding to speak with me. XXXX refuses to solve anything with customer service reps and gives me same run around spiel. 

Nothing is getting solved. If I returned both phones and do not use any line with them and canceled the very first line out of my own pocket, why should I have to pay {$560.00} after they just informed me previously that they took {$140.00} off from the {$220.00}? 

None of the numbers are adding up, no XXXX customer rep can help me, and the bill keeps growing even though I do not owe anything for lines that have been canceled.
Product: Money transfer, virtual currency, or money service

I used my cash app card to put a deposit down on a cruise because of Covid 19 The cruise was canceled and the refund was issued to the original form of payment. The account was closed out and the debit card was destroyed that was associated with the account. I contacted the company and asked them to forward the money to me in a form of a check.they told me that they couldn't do that but I could open up another account and they could transfer the money over.then after I opened up the account and asked them to transfer the money over they said they couldn't do it because I didn't have the cash tag that they required. I had all other personal information about the account and every time I send them an email I was told that they couldn't help me and I should refer back to the previous email.they kept transferring my email to other customer service representatives who did not help at all. So now I have a refund in the amount of {$100.00} with this company in a refuse to give it to me.
Product: Debt collection

To whom it may concern, I am filing a complaint on American Express. On XX/XX/19 I received a letter from XXXX XXXX PA. Attorneys at law claiming to represent American Express. On that letter they claim that I owe American Express {$18000.00}. On XX/XX/19 I wrote a letter requesting certain info including copies of the contact where I signed the agreement regarding this claim. According to the FCRA its there obligation to supply the requested info. On XX/XX/19 I recieved a response from XXXX XXXX PA. There response was attaching many statements and a generic Member Card Services Agreement they didn't include the actual binding contract showing offer and acceptance. On XX/XX/19 I wrote a letter requesting once again for them to send me the actual binding contract showing offer and accpetance with my signature. On XX/XX/19 I received a letter from XXXX XXXX XXXX Basically offering me an American Express Card as long as I would pay {$18000.00} in full. In other words ignoring my request and continuing to try to get {$18000.00} from me without providing any proof that contract. I have attached document in reference to this. Thank you for your time.
Product: Checking or savings account

TransUnion LLC XXXX : Office of General Counsel XXXX XXXX XXXX XXXX, XXXX, IL XXXX Dear sir, I have had request from the XXXX XXXX XXXX branch addressed XXXX XXXX XXXX, XXXX XXXX, TX XXXX, to send the enclosed documents to your office. I also enclose the letter of XXXX XXXX XXXXXXXX itself, and my letter to XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, Mr. Cooper, my mortgage servicer, experienced a significant data breach. This breach led to extensive disruptions in their systems, severely impacting their ability to process payments and communicate effectively with their customers. 
Unfortunately, I was among the many affected by this breach. This Breach has led me to be the victim of inaccurate reporting to the credit bureaus. Prior to the data breach, I was current on all my payments until this point, but there was a considerable delay in processing my ( or any ) payments. After paying in XXXX, i decided to utilize the FHA XXXX forbearance plan option, which requires my account to not be reported as late to the credit bureaus. Despite my adherence to the agreed-upon plan and my best efforts to ensure timely payments, these delays resulted in my payments being reported as late. They again, falsely reported my account late a few months ago, although my payment was given to them, for this I have proof through my bank statements. 

These have been XXXX late reporting 's, without ever even reporting a 30 day late. I don't know how that's even possible.
Product: Debt collection

On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : 1. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA.

2. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities.

3. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA.

4. Removal of any information obtained or processed in violation of my privacy rights or applicable laws.

5. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report.

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made.

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws.

Thank you for your cooperation. 

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

XXXX through XXXX XXXX was a va loan that was transferred from XXXX XXXX bank XXXX that was established XX/XX/XXXX and with XXXX XXXX until sent to XXXX XX/XX/XXXX until XX/XX/XXXX. However, they are reporting XXXX late payments from dates XXXX until XXXX when XXXX did not have the loan. XXXX XXXX XXXX is also reporting 12late payments all but 1 date that XXXX is reporting. XXXX XXXX XXXX ( XXXX dob XX/XX/XXXX ) filed an Affidavit through XXXX XXXX XXXX XXXX XXXX that he refinanced XXXX XXXX loan prior to XX/XX/XXXX and when I was served I provided a copy to the VA department via email with receipts and to XXXXXXXX XXXX XXXX through multiple routes. I thought XXXX would help me but instead they sold the loan to XXXX XXXX  and sent me a goodbye letter and to look for the welcome letter. I even asked XXXX to mail payoff balances, loan summaries, account details, etc to the XXXX County Court House daily and sometimes multiple times a day as they refused to accept XXXX as the mortgage. Judicial Notice is taken in case XXXX regarding property address XXXX XXXX XXXX XXXX Ohio that the quick claim deed was signed by me XX/XX/XXXX and filed by recorder/auditor XX/XX/XXXX and also I provided in person a copy but was told I would go to jail for saying I had filed quick claim deed by XXXX XXXX XXXX I have purchased transcripts in case from the court for this matter to prove the situation. After XX/XX/XXXX it was established that I had filed XXXX deed I was told the case of contempt asking to jail me was purged but I do have all transcripts but the transcript for XX/XX/XXXX in front of Judge XXXX XXXX as the court reporter XXXX XXXX is typing up and has been paid XXXX to date through XXXX with XXXX XXXX. I am seeking help with my credit to remove the late 13 payments from XXXX  and stop them from doing this to others as if they got me they got many, as well as the fraud on the divorce XXXX attempting and actually succeeding in fraud documented through court transcripts, credit reports, separation agreements that merged with divorce decree, even the mutual agreement that was unethically obtained by XXXX XXXX and XXXX XXXX stating it was only for XXXX to refi and the document would not be used in any other way .... but then was sent to court as mutual agreement and the court acknowledges that they never serviced me. The mail all leads to XXXX XXXX XXXX XXXX, OH XXXX owned by XXXX XXXX. My juror summons from XXXX county court also was tracked with case numbers through the usps inspector department as supposedly it was a federal crime to forward mail of an ex spouse to a XXXX XXXX XXXX XXXX sheriff says its civil not criminal. Court laughs at me. Please help. XXXX lien XXXX divorce XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX property address. XXXX originated as an interest rate reduction loan through the va and changed from XXXX to XXXX XXXX. Thank you for your time.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX 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: Debt collection

I settled an account with the original creditor, XXXX XXXX XXXX. This account is paid, settled and closed. However, the collection agency, The Bureau, continues to report to the credit bureaus that the full amount is still owing. This means I would have to pay this debt twice. According to the FCRA, consumers do not pay a debt to the original creditor and the collection agency. I have contacted the collection agency to no avail to resolve the false reporting. The original creditor had to option as indicated in my letter to decline my settlement offer and refer me back to the collection agency, The Bureaus. but XXXX XXXX accepted my settlement offer. According to The Bureaus reporting I still owe a debt that has been settled with the original creditor. This is false information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays bank delaware is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.
Product: Checking or savings account

On Sunday XX/XX/2023 I had {$1200.00} in my savings account and on Monday XX/XX/XXXX I went to transfer some money over to get lunch and saw all my money had disappeared with no transaction history so I called the bank and they told me that there is nothing they can do because there was transaction history and I asked to talk to a supervisor and they straight up hung up the phone and didn't even to attempt to call me back I tried to call again an hour later got the same thing and that money was supposed to be for rent I had to borrow money from my brother to pay my rent I'm not happy with chime and there even refused to cancel my debit card and my XXXX XXXX card so nothing else would happen and I also found a charge {$510.00} that I had no idea that was there from XX/XX/2023 and I rarely shop at XXXX because of how expensive they are
Product: Credit reporting or other personal consumer reports

I called LVNV Funding LLC MONTHS ago about this alleged debt, I asked for this alleged debt to be validated and to provide me with the following documents 1. Provide me the original contract bearing my written signature.

2. Purchase Agreement 3. Authorization of law to collect this Alleged Debt 4. Send evidence of authority under 15 USC 1692 ( e ) and 15 USC ( f ) for this alleged debt 5. Send evidence your authorize to do business or operate in North Carolina.

I ask for the following documents but they only send me an account summary. I need this alleged debt remove off my credit report immediately. My rights as a cosumer is being violated! Please ask for the following documents to validate this alleged debt
Product: Vehicle loan or lease

Today on XX/XX/year>, I was at work and when I was on my lunch, this woman named XXXX came to my job trying to find me. My XXXX explained I was on my lunch and she gave a number for me to call back and the number was XXXX. He said she was from the health department. I looked online searching the number And there was many complaints that it was a scam. I have never received any calls from this number and I was very uncomfortable when a person I do not know shows up to my job. She has also called my job before without any acknowledgment. I have not received any emails or calls from Toyota so Im not sure why this person is showing up to my job
Product: Checking or savings account

I had unauthorized transactions on my Chime account that totaled to {$340.00}. 

XX/XX/XXXX, XXXX {$14.00} and {$9.00} XX/XX/XXXX, XXXX {$14.00}, {$19.00}, {$9.00}, {$19.00}, {$9.00}, {$14.00}, {$19.00}, {$14.00}, {$19.00}, {$19.00}, {$9.00}, {$14.00} XX/XX/XXXX, XXXX {$14.00}, {$14.00}, {$14.00}, {$19.00}, {$14.00}, {$19.00}, {$19.00}, {$14.00} I have disputed these a couple times and they denied them each time. They reopened it again but I dont have time to wait for them to possibly deny it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX as well as Experian, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and Experian have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.
Product: Checking or savings account

My credit card was cancelled and closed. On XX/XX/year>, subsequent to the cancellation, XXXX XXXX issued a pending refund to my Wells Fargo debit card ending in XXXX. Upon reaching out to XXXX XXXX regarding the refund, they confirmed that the refund has been processed and is with the card issuer. 

Despite my numerous attempts over the past 4 months to communicate with Wells Fargo about the outstanding balance, I have been unsuccessful in engaging the accounting department to process the refund. Despite contacting Wells Fargo via both phone and email, their response remains consistent : that I should contact XXXX because a refund can not be issued on a cancelled account. However, this assertion is incorrect, and Wells Fargo is unwilling to investigate the matter further to facilitate the refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your attention several inaccuracies in my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and to date, there has been no response from them. I am seeking your assistance in rectifying these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$690.00} ) : The reported account was never late. Kindly correct/update this inaccurate information on my credit report. 


XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$740.00} ) : The reported account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$22000.00} ) : The reported account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX ( Date Opened XX/XX/XXXX, Balance : {$320.00} ) : I require verification of the account identified as XXXX. The reported balance is inaccurate, and the account is closed and charged-off. Kindly mark this account as disputed while I resolve the matter with the creditor. Also, verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$300.00} ) : The reported account is not mine. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported account is not mine. Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/2019 I requested a loan upon my request a company name XXXX XXXX XXXX gave me an offer of XXXX I then excepted.Qualifications was thru routing and account # which I gave to the customer service representative.Then on XX/XX/2019 a XXXX dollar amount was added to my account which I checked on my mobile banking account.This wasn't the amount XXXX XXXX XXXX agreed on the loan amount so I called them to decline the loan.I withdrew XXXX from my account to send XXXX XXXX XXXXL they're money back.2 days later Regions bank notified me to say there was a fraudulent check put in my account.If a check was deposited why did it show up as a cash balance not a check that has to clear before it was shown on my account as XXXX added to my account.My account was froze and I couldn't get access to my money.I feel I should be reimbursed because this was supposed to be handled as a check not cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD 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