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

XX/XX/XXXX Card was lost we notified Discover was issued another card, Charges made on card I thought were cleared End of XX/XX/XXXX we relocated cities and received no Paper statements we assumed it was because of move XX/XX/XXXX received statement for XXXX or XXXX XXXX was not shocked there was two Car rental for Auto accidents Paid off card Completely FF to XX/XX/XXXX we receive statement saying Balance was XXXX card that was paid off and dormant E Mail account was being used as collateral for an Fraudulent Pay Pal account that we didn't know at the time we disputed charges herd nothing and again no statements XX/XX/XXXX account was again used to open merchant accounts and charges were maid during that time we cancelled card was issued another again no statements when we received statements balance is now XXXX all charges on previous cards were being transferred to new account receiving interest, Late fees some sort of protection plan we didn't sign for after dispute we were found liable even though our dispute with XXXX XXXX we were found not liable after being a victim of Fraud we continue to be a victim of Discover needless to say with great Hardship to Family Debt was Paid Completely later XX/XX/XXXX we again receive a statement that XXXX was due on an account that we thought was closed
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Student loan

My private student loan account is with Firstmark. I have been paying on this account for over 10 years. In XXXX, the active-duty military rate was applied to the account ensuring that the interest rate did not exceed 6 %. With regular payments being made on the account, the total balance has increased instead of decreasing. Sometimes, I do pay the account earlier than the due date which is reflected in the transaction history. On XX/XX/XXXX, I emailed the company regarding concerns with the account. From XX/XX/XXXX to date, the total balance on the account has fluctuated from {$100000.00} to {$100000.00}. From XX/XX/XXXX to date, the max amount of {$8.00} from my monthly payment was applied to the principal. As annotated in the transaction history, before XX/XX/XXXX, the minimum amount applied to the account was {$240.00}. The payment allocation was changed without my authorization. I contacted the company multiple times regarding the payment allocation. I requested that more of my payment go back to being applied to the principal and they have refused. There is nothing listed in the policy or promissory note stating the account holder could not request this. Additionally, a glitch in the Firstmark system indicated that I overpaid my account. I requested a refund of my payment at the time. After the system was properly updated, it reflected that the account was not overpaid. I sent the payment and ensured the account was paid. The representative stated that there would be notes in the account. The company failed to amortize my account from XX/XX/XXXX to XX/XX/XXXX. Due to their failure, I now have to pay a higher monthly payment. My monthly payment increased from {$540.00} to {$700.00} starting in XXXX. On XX/XX/XXXX, the company informed me that they failed to amortize the account via email correspondence and via phone calls. The representative explained more in-depth via phone call. Additionally, annotated in the payment history, the payments made on XX/XX/XXXX and XX/XX/XXXX were not applied to the principal or interest for the loan. Based on the payment transaction, a total of {$20000.00} in interest was calculated for the loan that I am seeking clarification on as well.
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXX XXXXXXXX XXXX # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ; I did not give them 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 card or prepaid card

I made a {$500.00} payment Saturday being assured funds would be available in two hours. That was on the XXXX at XXXX EST. Nothing reflected by XXXXXXXX XXXX. I called again and was told by a rep my funds would posted bt XXXX XXXX on the XXXX. NOTHING. I called a 3rd time on XXXX and was told they will reflect by XXXXXXXX XXXX. I am in an abusive situation trying to leave before my life is jeopardized, informed Wells Fargo of this and Nothing. Wells Fargo is withholding funds again.
Product: Debt collection

I called to pay debt and they told me it was with another agency. So I called them and they said its with the original company. So I call back and they tell me its paid. I asked to have written proof and nothing was sent. Then I called back to ask to speak with a supervisor and I was just transferred around and told at the end that someone would call me. I disputed it twice on my credit report with no resolution. I want to buy a home and this is one of the things I need taken care of.
Product: Debt collection

A company named CC Recoveries out of XXXX withdrew XXXX from my bank without my consent. I attempted to contact them about the fraudulent transaction and they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring
Product: Debt collection

I have received numerous and aggressive messages on my voicemail for a XXXX XXXX XXXX, which I have no clue who that is. The same person calls and identifies himself as XXXX XXXX, leaves his phone number XXXX ( XXXX ) XXXX, his ext XXXX, though when you dial the number it goes directly to him, but he leaves messages saying that XXXX needs to give him a called at the Law Firm of Critical Resolution. He indicated that she wrote a bounce check which carries jail time and the amount that she wrote is a felony charge. He said this was turned over to him by a XXXX XXXX. I initially ignored it, thought it was an error, but he continuously called. Well, he called so aggressively and nasty and repetitive messages left, I called and left a message informing him, he was leaving someone else 's personal information on my voicemail continuously and the last name he gave was mine but I am clueless as to the party he is speaking of. Well, he did not return the call ; however the nasty, aggressive, unprofessional voicemails continued. I contacted him once again, today, XX/XX/XXXX and finally reached him. I informed him that he was asking for a XXXX XXXX XXXX, he yelled at me and said I did not call you. I said, yes, you did, you constantly left messages for this individual and I have no clue who it is. He harshly said, in a yelling voice, well then, did I call this number you are calling from, I said yes and repeated the name that he asked for, he yelled at me and said I asked for XXXX XXXX, I said, you did not, you said this matter was submitted to you by XXXX XXXX. I said, I have your numerous messages on my voicemail, he rudely yelled again and said he did n't ask for XXXX and that I did not know what I was talking about and slammed the phone down in my ear. 

I got online and looked up this company to see if I could get a different number so that I can speak to a supervisor to inform them of the way he conducted himself. I located this number and the same person answered the phone, saying XXXX XXXX XXXX. I do n't know if this is a one man operation but it was outrageous in which he conducted himself. I deleted the messages but decided to keep one to support what I am stating to you. If he calls my home again, the next step will be a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I have been trying since 2023 to close this account using the email system, chat system and calling customer service. I take all necessary steps they ask yet they continue to not close the account and send me the same " Boiler Plate '' responses as to why it cant be closed.
Product: Credit reporting or other personal consumer reports

Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. XXXX XXXX and Equifax!!! There are 3 chare-off accounts that were considered fraud, XXXX XXXX  credit card accounts and XXXX XXXX XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus
Product: Student loan

I had sent in XX/XX/XXXX my paper work for forbarrance with Navient. They failed to call me or send emails or papers in the mail stating that they needed more information to process my paper work. I had to call them myself to find out, and I just called them in the beginning of this month, XX/XX/XXXX, my payment plan ends this month also. Then I spoke with a gentlemen that said I needed my husband who has nothing to do with my student loans, we file spereatly every year in taxes, information and I told him no it states in the paper work they do if we file together in which we do n't. Then I look again at my online account with Navient this moring, XX/XX/XXXX and I was charger XXXX to my account for no reason. I get hit with interest every month that adds up to maybe {$150.00} a month. I will be calling them about this matter this morning. I am so frustrated with them not contacting me if information is needed and charging me when it is not needed. I ended college in XX/XX/XXXX with XXXX in loans I am not almost at XXXX in XX/XX/XXXX. Not right for them to charge this much in interest. I should not own them this much. Something needs to be done and I want them to fix my loans, no one ever has a straight answer when I call either. I would never recommend them to anyone.
Product: Money transfer, virtual currency, or money service

I swapped phones over the weekend and lost access to my 2 factor authentication for coinbase. I have been locked out of my account and can not withdrawal or trade. It has been 48 hours that they have been holding me hostage and they have let me know it could last another 48 hours, costing me valuable time and money. There is no customer support or reason for this delay.
Product: Credit reporting or other personal consumer reports

XXXX /Experian/XXXX Consumer Report Agencies is in Violation of the Congress Code : 15 U.S. Code 1681a ( 2 ) Ai ( Exclusions ) : report containing information solely as to transactions or experiences between the Consumer and the Person making the report. 

The Consumer which is me and the Person is the organization. XXXXExperian/XXXX Consumer Report Agencies is not permitted to report ANY late payments, payments that lead to being a Charge off / collection on my consumer report. 

I repeat this code DOES NOT include transactions and experiences between me ( the consumer ) and person ( organizations ) allowed to be reported.
Product: Debt collection

Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX XXXX XXXX XXXX multiple times to dispute these incorrect accounts. I have also disputed them via the XXXX credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.
Product: Credit card or prepaid card

FNBO Beware. I opened the credit card account after being marketed by FNBO/XXXX XXXX endlessly following the recent purchase of our 2019 XXXX. After 6 months of not using the card, I made a few purchases and kept my utilization around 30 % of my {$8500.00} limit. I logged into their system and created an auto payment ( direct debit ) from my checking account ( XXXX XXXX ). FNBO charged me a late payment fee and a bad payment fee {$26.00} and {$35.00} respectfully. I called and they found an extra duplicative digit in the checking account number. They reversed one fee and left the second. FNBO then triggered a reduction in my credit limit resulting in a reportable event to the credit bureaus show I had suddenly utilized 94 % of the current balance, causing a cascading effect on my FICO scores. No one on the call stated this simple typo error would cause so much impact. I sent them a payoff for the total due today and never want to be their customer again. FNBO is acting predatory to cardholders. They are impacting a lot of consumers with much less means than i am fortunate enough to have. FNBO is charging fees for their own systems failings.
Product: Debt collection

I was XXXX in XX/XX/2017 by XXXX county sheriff 's department in Georgia when I was they're under the care of XXXX county they had to transport me to XXXX XXXX  for further evaluation for medical issues. I remained in XXXX  until XX/XX/2017 therefore I am not responsible for these medical bills occurred during these times therefore they should have been billed to XXXX county sheriff 's department and not me personally I'm the only one out of other six XXXX that were taken that got bills personally the other ones were billed to the county and I am not financially responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXX XXXX   twice and they are not working with me. I have also disputed this with Equifax credit reporting agency and they have refused to take it off of my credit report.
Product: Student loan

I call in monthly to make my payments over the phone. When I first began with this method, I realized quickly that I was constantly showing an overdue balance each month as a result of unpaid loan balance on a second page of loans that I was unaware of. As soon as I was aware that I had two separate pages of loans, I requested each time I called, to have my payment processed towards both pages of loans so as to avoid any late fees. 
They have repeatedly told me that they see this request in their previous notes, and that this should be done automatically by all employees, yet I am still having the same issue. I am forced to check my statements more than periodically and constantly afraid of missing another error. They seem to use this as a tool to coerce me into an auto draft plan which I am not interested in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting deletion of the XXXX XXXX  collection from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported I have had a collection since XXXX of XXXX but the account was reported open in XXXX of XXXX??? 
XXXX XXXX WAS OPENED IN XXXX OF XXXX, SO EXPLAIN TO ME WHERE XXXX OF XXXX IS COMING FROM ON MY CREDIT REPORTS ( THIS IS FROM EXPERIAN, I DISPUTE IT AND IT COMES BACK VERIFIED?? WHERE IS THE CONTRACT WHERE I SIGNED THIS IS XXXX OF XXXX??? ) THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

On Wednesday, XX/XX/2018, I went to Bank of America to deposit my first payroll check. I received a paper check from XXXX due to the fact that BOA had not verified my account with the payroll company for direct deposit, although it had been 2 weeks since my employer submitted my account info for verification. The lobby was closed so I used the ATM to deposit the check. I was notified after the deposit that an exception hold was placed, with the reason stating " because check specific information indicates item may be returned ''. Since when are checks issued by a major payroll company at risk of being returned? My account is not an account less than 30 days old, nor do I abuse my account. I can understand a hold being placed as I usually have direct deposits and I did not have matching funds in a savings account, however, under Reg CC guidelines the first {$200.00} must be made available and the hold a 2 day hold as it was local check but I will not have access to one penny of my money until Friday, XX/XX/XXXX at XXXX XXXX Unacceptable. I called BOA 's customer service twice and went up and spoke to a relationship banker and no one can reduce the hold time or release any funds. Very disappointed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report due to a data breach that compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

I have reason to believe that the following accounts and inquiries on my credit report are the result of identity theft. Please take the necessary steps to block and delete the following items : XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX