23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I neverauthorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.
Product: Credit reporting or other personal consumer reports

On XXXX  my credit was pulled by all three credit bureaus for different car lots. I was informed that all these applications was done online someone using my information. 
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 Alliant Credit Union
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my XXXX card long ago. I am a victim of XXXX XXXX. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The companies have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over XXXX years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED IN THE NEXT 4 DAYS AND SEE DOCS. 



THESE ACCOUNTS HAVE BEEN REPORTED AS FRAUD AND DELETED AND BLOCKED FROM XXXX AND XXXX. EQUIFAX THIS IS XXXX ACCOUNTS THATS STILL REPORTING TO MY CREDIT WITHOUT PERMISSION. THIS IS AGAINST THE LAW. PLEASE DELETE IN THE NEXT 5 DAYS. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I noticed my SoFi debit card was stolen from my car along with my phone. I called SoFi on the XXXX at XXXX to let them know my card was missing. The following afternoon, XX/XX/XXXX, I was able to get into my account and I noticed many charges I did not make on my card. I called to let them know at XXXX on the XXXX to notify them and try to resolve the matter, they informed me they opened disputes. They supposedly started and completed their 'investigation ' into the matter in 1 business day, I was informed today they have concluded that the charges were not unauthorized. I have a very hard time believing that they did an investigation into this matter in under 24 business hours. Since receiving the email, I read on many online forums they are notorious for doing this. The following charges were not authorized by me and were made when my card was stolen ; XXXX XXXXXXXX XXXX XXXX # - {$50.00} XXXX XXXX XXXX # XXXX - {$28.00} XXXX XXXX XXXX  XXXX XXXX T - {$100.00} XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX  # XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$28.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$210.00} XXXX XXXXXXXX XXXX # XXXX - {$550.00} XXXX XXXX - {$580.00}
Product: Checking or savings account

I signed up using a special code and online, by invitation only, and get 5.30 % interest rate on my XXXX XXXX account I opened. I followed all the instructions on funding it, timely, etc. Got my first payment. It is less than 5 % interest. It is supposed to be 5.3 % interest monthly interest payments, not under 5 %. I can not get a hold of anyone at all. I set up a phone appointment, they never called. I called them now, and upon holding, I opted for them to call me back and they have not called back within the time frame they said they would. I can not resolve this. I would like to file a complaint. I tried to message them online, but they say I must call the bank. Then you can not get through to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is continuously showing a balance owed to National Credit Systems that is steadily increasing. Original creditor was XXXX XXXX. I did live here in 2012. There were some serious issues with the apartment complex ( mold, my apartment was broken into and robbed, my car was broken into twice and a homemade bomb was placed on a car in front of our building that blew the car up ). The final straw was when my apartment was broken into and robbed, I then proceeded to get a hold of the manager of the leasing company, after multiple attempts, I was finally able to reach her to explain my situation and that I no longer felt comfortable in my own home with my XXXX  baby. She stated that I only had 2 months left of my lease so she would agree to let me out of my lease early as long as I was out by the end of that month, as my rent for that month had already been paid. I did as she asked and left the apartment clean before the end of the month, leaving my keys in their drop box. About 3 years later, I tried applying for an apartment complex in my local town who informed me XXXX XXXX reported I owed them $ XXXX- {$6000.00} for breaking my lease. I was never, not one time, contacted by them to have this settled from the beginning, by the time I was aware, it was too much for me to pay, as well as I felt like I wasnt responsible for this as the manager had verbally agreed I could leave with no problems. Now here we are over 6 years later and I can not find anyone to rent to me due to this and National Credit Systems is continuously increasing my balance, which I was informed is illegal. Once a debt is in collections, it should not accrue interest of any kind, is what I was told. My XXXX children and I are facing homelessness purely because of this issue. I currently work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with steady income and need housing by the end of February and this is making it extremely hard for me. I have been trying to get this dealt with for so long, on so many different occasions and have gotten no where! The balance is now up to over {$11000.00} and there is no way I can get this taken care of before XXXX, especially considering I shouldnt have owed any money to them in the first place. And, why is it steadily increasing?
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX, Acct # XXXX
Product: Debt collection

Last year a debt collection agency named " XXXX '' attempted to collect a non-existent debt owed to XXXX in excess of {$5000.00}. They had mailed several notices that I had discarded since I know the debt isn't owed and validated this with XXXX themselves. No credit line was ever opened with them. I had requested debt validation and to cease contact. I received a letter from them stating that they will no longer communicate and the account had been closed. Today I receive a letter from a company named " Jefferson Capital '' which I believe is associated with XXXX from some brief research. They are attempting to collect a non-existent debt owed to XXXX for {$7400.00}. Once again, validated with XXXX that this does not exist and is not owed. 

At this point, an investigation should be made to XXXX XXXX and Jefferson Capital Systems LLC for this behavior. XXXX lied ( Violation 1 ) about the account being closing and instead chose to forward it to JCap. JCap has not printed information on what to do if I believe the debt is not owed on the letter, so that's violation 2. Continuing to contact me about this non-existent debt after request to cease contact is potentially violation 3.
Product: Debt collection

My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX
Product: Mortgage

After being contacted by Caliber Home Loans in XX/XX/XXXX & XX/XX/XXXX regarding refinancing our existing Caliber 30-year loan, we started the refi process XX/XX/XXXX. We were quoted a 15-year loan, 2.75 %, 0 points, 0 out-of-pocket closing costs. Application & requested docs were provided & {$500.00} was paid for an appraisal. Numerous closing disclosures have been received, none of which had the information we were quoted. A closing was scheduled for XX/XX/XXXX but on XX/XX/XXXX it was postponed by Caliber until the next week. At that point we learned that the property taxes, which were due in XX/XX/XXXX, had not been paid. Therefore, we will not be able to claim them on our XX/XX/XXXX Income Taxes. The closing has not been rescheduled, the 90-day rate lock has expired, and numerous attempts at contacting Caliber have yielded no results or information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the XXXX Credit Billing Act, specifically under 15 USC 1666b. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively.

According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes. 

To date, I have not received any such notice as required by law. Therefore, any late payments currently reflected on my credit report must be treated as inaccurate and invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX  and equafix report which lots of inquiries which I don't recognize
Product: Debt collection

On XXXX of this year, I have a letter stating that I will not renew my lease. I was paying {$1400.00} a month for that XXXX bedroom apartment. The owner wanted to charge me {$2500.00} for that unit. I have a written letter stating that I will not renew. My lease. That was on my credit report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Synovus Bank sent me an overdraft letter for an overdraft of {$2000.00}. 
I have never opened or accessed any accounts at Synovus. I contacted them and they are going to investigate the fraud. They suggested I contact you as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of dispute information credit reporting leaving inaccurate or unverifiable accounts resolved the consumer financial protection bureaus has reportedly filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer providing evidence to furniture accepting unread responses i
Product: Checking or savings account

If you know someone's email address, You can go to https : //www.paypal.com/signin and select " Login with one-time code ''. If that person has an account with PayPal, PayPal will in response give you the first and last four digits of mobile number associated with that account : XXXX Then PayPal will text a 6 digit login code to that phone number and allow you to login to that person 's PayPal account using only that 6 digit code. 

This one-time login code bypasses any two-factor authentication you may have setup. 

I received two text messages from PayPal this morning from unknown person trying to login to my account using this one-time code process. 

What XXXX  designed this totally insecure login method that reveals half the digits to my phone number to anyone who knows my email address? How many people will have their PayPal and other bank accounts compromised because of PayPal 's stupidity?
Product: Credit card or prepaid card

on XX/XX/2020 I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with chrysler capital. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also never gave any material disclosure disclosing that it was an attempt to collect a debt, at the initial communication in this consumer credit transaction which is a violation under 15 usc 1692e. Also, XX/XX/2020 Chrysler Capital issued a statement/ bill in the mail and on the envelope/statement it has their logo, which is also another violation of 15 usc 1692. The statement also shows a positive balance that they say I allegedly owe, which is also a violation of 15 usc 1692. If it is something I owe it should show in a negative balance. The first time they violated 15 usc 1692e ( 2 ) was at the initial communication of the consumer credit transaction, when the retail installment contract show 3 different amount owed : finance charge {$8700.00}, amount financed {$12000.00}, total of payments {$21000.00}. Lastly, the statement/bill should not say it is a attempt to collect a debt which is a violation of 15 usc 1692b. ( 2 ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

In XXXX and XX/XX/2021 there were two separate student loans taken out in my name the first one was for the amount of {$19000.00}. The second one was for the amount of. {$11000.00}. The loans were taken out for my daughter XXXX XXXX who was raised by my parents not me I had no knowledge of any loans being taken out. I did not sign any paperwork I did not fill out any paperwork. I contacted the financial Institute and they had all false information. They had the wrong email address wrong address, wrong phone number. They have the correct information now because I gave it to them, these loans do not belong to me and I do not think its fair that I have made several attempts to try to get them off of my credit report so I am asking that a full investigation be made regarding these accounts
Product: Credit card

I had 2 loan balance transfers owing to Citi Cards. One was known as Balance Transfer 6 and one known as balance transfer 7. I called Citi Cards on XX/XX/2024 and was told the amount owing on Balance Transfer 6 was {$2300.00}. That that loan balance had a 0 % interest rate which was going to increase to 24.24 % on XX/XX/2024. I wanted to avoid the high rate and pay it off. I gave them my checking account information and they took the {$2300.00} payment. 
I got my XX/XX/2024 credit card statement and the loan balance was NOT paid off. They applied it to Balance Transfer 7 saying by " law '' that the # 7 loan was the higher rate at the time and they had to apply it that way. They said wait a day or 2 until after the rate jumps to 24.24 % and call to pay it. 
So since the rate was to change on XX/XX/XXXX, I called again on XX/XX/2024 and confirmed the rate was now 24.24 %. I asked for the balance and was told it's {$2300.00} and to pay it off I needed to pay the balance, plus the Minimum payment of {$190.00} for a total of {$2500.00}. To be certain it gets paid in full I made a payment of {$2600.00}. 
I got My XX/XX/XXXX statement and the loan # 6 balance is still there at 24.24 %. 
I spoke to a Account Supervisor who agreed that the payment should be reversed and the interest refunded. I was promised a call back in 4 days and never got the call. 
I called today XX/XX/2024 and balance transfer # 6 is still there at 24.24 %. 
So I tried to pay it off twice. I am now being charged 24.24 % when I should not be owing anything on that balance since XXXX!
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. 
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
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I would like the cfpb to also provide their investigation and any fines that capital one would be responsible for.
Product: Vehicle loan or lease

I have had a loan with Foursight Capital for over four years now. The company adds fees on fees and fees two clients who have loans for automobiles and do not work with the client consumer to resolve these issues in a very amenable manner. The Company Foursight Capital is charging fees for being late in a payment when the payment was made in addition to another payment and that any payment made is counted as one payment and if the payment is twice the amount of one payment therefore it perpetuates the late fee from month to month to month. The company Foursight Capital has charged in some months three late fees and will not take the late fees off And adds more fees for calling to try and resolve the issue about the late fees and having made the two payments in one payment therefore each month there is a late payment fee at least one if not three or four late payment fees that the company is adding on those perpetuating the length Of time of the loan Therefore each time and make a payment to Foursight Capital in the amount of two times the payment amount XXXX at the beginning of the loan instead of it being counted as two paymentS it is counted as one payment indicating that the other payment is late and if he is added onto that and the other amount is added to the principal after all the fees are paid it seems as though I will never pay this loan off because theyre not fees that is added onto my account continues to mount every month because each month another fee is added on for a late payment that was made previously and every month that I am late on the fees paid is sometimes six or seven months of late payments in one month. 

Well I have taken out a automobile loan in the past I have found agents of the finance company to be amenable to the idea of taking for years off and not adding fees on to the total amount know this company never takes off of fee and never is helpful to managing they will not consider reducing the high interest-rate they are charging even though I have been making these payments and making the famous on time for years they are out to continue the lawn and ruin my credit so I am not able to obtain another loan not even from them even though Im paying all their fees