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

It has recently come to my attention that XXXX and Bank of America are actively discriminating against customers based on lawful firearm-related business activities. As a Bank of America customer and a tax paying and law abiding American, I expect to have access to the same financial services as other law abiding citizens. The Constitution protects United States citizens, and Bank of America and XXXX discrimination is against the law. Considering the sizeable tax funded bailout given to these corrupt financial institutions, I can not fathom how they could think that this would be acceptable. I demand action by our government to uphold the law.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to EXPERIAN about the reported unauthorized inquiries and the inaccurate account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. 

I HAVE MY OWN FUNDING BEFORE I WENT TO THE DEALERSHIP AND THESE DEALERS BELOW WERE NOT AUTHORIZED TO PULL MY CREDIT The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Student loan

On XX/XX/2023 Mohela representative changed my loan payment to {$50.00} a month Mohela still is charging me {$760.00} a month I called again on XX/XX/2023 since the XXXX bill has not been corrected The hold was about a hour. The representatives could and would not tell me why or when it would be corrected I asked for a supervisor and the representative put me back into the cue
Product: Mortgage

My mom passed away XX/XX/2017. And willed the home to my XXXX niece and nephew and made me executor of the estate. Prior to my mom 's death we quit claimed the home so it was in my niece and nephew 's name. The mortgage company now is giving us the major run around and not allowing us to transfer the mortgage over into my niece and nephews names and pretending both my parents are still alive. We have sent both death certificates and they acknowledge the got both death certificates. Along with the death certificates I sent the quit claim and a notarized will claiming me as executor and that the house is to be willed to my niece and nephew. And all this was sent certified mail and the U.S. Post office shows the entire package was delivered. 

So they are intentionally now are threatening foreclosure. My mom was my niece and nephews PAYEE for thier SSI and social security held back atleast three months of payments after my mom passed to find them a new payee. So there was a delay in payments but it was because of the Social Security Administration not by us. But either the way the mortgage bank is going to proceed with foreclosure and will not communicate anything about the mortgage because they are claiming my parents are still alive. This is very illegal what they are trying to pull. And we can not afford a attorney. We have a very limited income as I am a XXXX veteran. Please help us.
Product: Mortgage

We sold our house on XX/XX/year>. We then attempted to cancel XXXX 's automatic payment, but Freedom Mortgage 's system does not allow you to cancel automatic payments less than 3 days prior. I emailed them, but they again said it was too late to cancel. They charged us {$1200.00} on XX/XX/year>, even though we no longer owned the house and the buyer had assumed our XXXX Loan. 
I called Freedom Mortgage on XX/XX/year> and spoke with their Escalations Department. They acknowledged their mistake, and said I would be reimbursed {$1200.00} within 7 days. They failed to do so. I called again on XX/XX/year>, and they said they were still working on it. I emailed them on XX/XX/year>. They said they were still working on it. I emailed them again on XX/XX/year>, and they have yet to respond.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has been flagging my account over and over for a debt that I have not validated. It has become harassment after I filed a dispute. This company all of sudden began flagging my credit reports daily to XXXX XXXX and XXXX  with multiple accounts without giving me my consumer rights prior with documentation to verify. Under section 809 of The Fair Debt Collection Practices Act, collection agencies are required to validate debts they are attempting to collect. If I did not validate the debt, they must remove all the collections accounts immediately from all bureaus from your credit report as this is a violation. Why is this company reporting to credit bureaus before communicating to me? Ive never heard from this debt collector before yet they claim it opened last year. Another lie. If I disputed, the debt was not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, sorry to bother you today but hope you're having an excellent day. Anyways Experian and XXXX  has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. Thank you
Product: Debt collection

I realize i owe this debt. I am on social security XXXX. I am trying to pay these cards asap. Not usually on time. I recently got in a car accident that put me behind. Anyway synchrony bank  calls on average 8 times a day hang up and call right back, leave several computer voiced messages on voicemail usually 5 to 7 a day. They call from about XXXX till sometimes after XXXX. At the same time texting me and sending emails. I get paid once a month if they call i answer some times but when i do answer i get told i have to make a post dated payment to them. I dont answer a lot of times due to tge fact i cant understand them when they talk cause they are from other countries. They are just really stressing me to no end and cant take i cant at the moment for an answer. For example, Today they called the first time at XXXX XXXX then hang up and called again at XXXX XXXX. Its just a daily annoyance and I dont know if or what i can do to stop calling me so much. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/year> in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX - XXXX - I was never late on this at all. To date, I have not received confirmation of the correction nor observed any changes in my credit report. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
Product: Checking or savings account

On XX/XX/2023 an unauthorized individual walked into a Wells Fargo bank branch with my account number and tried to withdraw money. That bank flagged the account and refused the money and called me to tell me what happened. While that was occurring the culprit went to another Wells Fargo branch with the same information and that branch gave them {$2000.00} from my account with the same false information. I then submitted a fraud claim to Wells Fargo to get my money returned and closed the account for safety. The fraud department denied my claim because they said I was in the same State on the same day as the theft. So basically they were accusing me of withdrawing the money and trying to steal from them. I then sent several more appeals, filed a police report and still the fraud department continues to deny my claim with the same reason. Wells Fargo also declined to tell me which branch actually let the withdraw happen and was hiding information from me. I tried escalating the situation as far as I can but they dont care at all to help to me get my money back that was so clearly stolen. I am in the process of filing another police report in the state of Maryland where the theft happened.
Product: Vehicle loan or lease

Fifth third bank on their own accord, modified their automated payment system, XXXX, to after my due date. My due date is the XXXX of every month. They moved the payment to the XXXX of every month. 

When the account got established with XXXX bank, I sent in the paperwork via U.S. Mail and fax. I also called to follow up because I don't trust this bank. I finally got a letter but via the portal and after they had to make make corrections as I'm a previous consumer forced into using this bank once before. 

The letter states payments will start to be pulled out starting on XXXX of XXXX and will be on that date moving forward. I called again, to vaildate. The rep. at XXXX bank confirmed it was on the XXXX and offered to move it to the XXXX, Payment is due by. I didn't want it moved then -- I called back to have it removed back to the XXXX. Today, XX/XX/27, I chat with a rep. who told me it was moved to the XXXX without the consumer 's knowledge or explicit authorization.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. 

EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION AN ACCOUNT HAS BEEN REMOVED FROM TRANSUNION AND STILL BEING REPORTED
Product: Credit reporting or other personal consumer reports

I froze my credit report on XX/XX/2023 and the XXXX through the XXXX of XXXXXXXX XXXX XXXX did 4 hard inquiries, Again I have tried to convey just how I am having serious issue with the credit agencies and banks, etc... 18 U.S.C-894, Obviously Transunion really didn't have it froze or just has a deal worked out with XXXXXXXX XXXX XXXX Trustee, XXXXXXXX XXXX XXXXXXXX and they must prove that I gave consent to unfreeze it temporarily, You see I did this as a test because I know the Banks and these private llc which are not government agencies are directly conspiring to deceive and my belief is a criminal syndication, part of the XXXX to which is why the world is so poor while less than 15 % has all the wealth.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.
Product: Credit reporting or other personal consumer reports

An inquiry has appeared on my credit report without my consent and cause my report to lose points.
Product: Checking or savings account

Hi. We recently place an item on XXXX for {$3500.00}. It was a marble bust with a pedestal and stand. Someone by the name of XXXX XXXX contacted me by text and said he wanted to purchase the item for a friend and that this would be a great gift for the friend, but he hadn't spoken to the friend in a while. He said can I send you a cashier 's check, and when you receive it can you deposit it in the ATM b/c it would clear faster. I said yes when the check clears, I will tell you where to pick up the item. I received the check on the XXXX of XXXX. I deposited the check and it cleared on the XXXX of XXXX. I text him that morning and told him the check cleared and I sent him my address as to where to pick up the item. He then told me he called the friend and was told that his wife passed away a couple months ago and he does not feel comfortable giving the friend the statue b/c it would be upsetting to him. He said could he have his money back. I said yes no problem. He them asked me to send him the funds by XXXX. I said no I'm going to send it back to YOU. He asked me to send it to him wife XXXX, but send it {$1000.00}, {$1000.00}, {$1000.00} then {$500.00} I said ok. which I did. Through my bank Chase. Chase XXXX a total of {$2500.00}. I did not know this man cancelled the check in the mean time. Something told me to check my account that's when I knew I was scam and that is was fraud. I saw my account was over drawn by {$1000.00}. So somehow I now owe chase {$1000.00}. Mind you I had only {$1.00} in the account prior to depositing {$3500.00}. I called Chase and tried to explain what happen, they don't want to hear it. Chase is telling me that because I voluntarily sent the money to someone by XXXX, I am responsible for the {$1000.00}. We tried telling Chase this was fraud, they said they know but I am still responsible. I need help and justice. We do not have {$1000.00}. I am in need help please contact me at XXXX. I add my email here b/c I don't know how to register on your page it only ask for login info.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent 2 transfer requests each of around 30 Solana ( each Solana was about {$230.00} at that point in time ) from my Kraken account to another exchange. A few minutes later, only 1 transaction of 30 Solana reached my other account. I then immediately launched a help request to clarify what happened. Customer service replied and acknowledged that it was a bug on Kraken 's side and that developers were on it to try and fix and correct this mistake. 

Ever since then, I have been following up with the Kraken team. However, I have been told the same thing for the past 2 weeks : their developers are still working on it with no ETA. They have not provided me with the reason or cause and have only mentioned that their developers are working on it. I have had to ask for an update 4 times in the last 14 days and up until now, all I have been told is that they will provide updates when they are available. This is extremely unacceptable as all updates have only come after prodding Kraken for more information. Additionally, with the volatility of Solana in recent weeks, missing 30 Solana has resulted in me losing money as I have been unable to liquidate that 30 Solana. 

Kraken has said that my account will be credited with 5,000 Kraken fee credits ( KFEE ). This means that the next 50 USD in trading and margin fees will be paid by them. This is not useful to me at this moment because I can not trade these credits and turn them into cash like I had intended to with the Solana that had gone missing.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file XXXX wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I went to this doctor in XXXX NJ for a service that cost XXXX dollars. I m extremely unhappy with the zero results! The results didnt meet my expectations and what I was promised. On XX/XX/2019 I opened a dispute case with capital one Mastercard and submitted all the documents including the second opinion letter as they requested, however ; only the XXXX dollars transaction was credited to me and not both. Capital one claims I was missing a second opinion letter for the second dispute and it has been denied. I dont understand this because both transactions are for one service and by one merchant why credit a portion and not the whole amount. 
Please help and thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a bank card I had not applied for from XXXX XXXX. On XX/XX/22 my XXXX XXXX sent me an alert informing my SS was found on the dark web. On XX/XX/22 XXXX XXXX sent a text asking that I approve a payment. I did not make any purchases with a XXXX XXXX card. It became clear to me my identify was being used by someone. Fraud.
Product: Debt collection

Amount stated to be due is incorrect. I was sued for non-payment after my online account was closed as retaliation for putting them on the news regarding a live bat in my apartment. I have emails as proof I tried to resolve prior to taking things to court and payment was made thru the court while waiting for the dates. The entire ordeal was handled unprofessionally and again as retaliation for reporting them. The amount owed is incorrect.
Product: Checking or savings account

I am disputing a check I wrote on XX/XX/year> for {$20.00} for an event by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The check was for {$20.00} not {$70.00}. The check clearly shows that it is for {$20.00} as you can see the tail on the two. Ally Bank or the bank that cashed it read it as {$70.00} which it was not. I wrote the amount out as XXXX in cursive. Ally Bank has closed the case because as they state checks are typically not disputable. I have to disagree with that and I want to dispute this but the bank does not want to. I guess they just dont want to admit that the bank made a mistake. my case number Ally Bank for this dispute was XXXX