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

I was talking to my husband of my cousin through XXXX, I thought it was him. I was investing money {$500.00} and I was suppose to get money back in order to get money I had to follow with the person he was working with so I gave my info and had to go to email to withdraw after that, they were requesting to pay network fee to withdraw money. I was concern because they were asking {$800.00} but I told them they took all that I had. I realized it was my cousin when he made me hold for XXXX mins and his boss was horrible in helping me. I asked him what's my aunt 's name and he couldn't answer. I couldn't get money back and had to change card and file a complaint to bank. My cousin told me that the night before his account was hacked and that person wasn't her husband. They were insisting to pay something and this person was calling me so I can continue because I wasn't doing everything they wanted me to do. I got called the night after and I took a screen shot of the procedure. I just don't want them to do it to someone else. This investment was from bitcoin.
Product: Checking or savings account

Have received a check from XXXX XXXX every 2 weeks for the past 2 years. I was supposed to receive my paycheck on XXXX  ( or 2 days before with chime ) & I still have not received it XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts XXXX XXXX XXXX and XXXX  XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Credit reporting or other personal consumer reports

I have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... 

Remove inaccurate addresses : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because I believe the account on my credit report is not accurate. The data included in my credit report must be documented and validated before it is included in my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I am challenging the reportability of this allegation, which doesn't meet federal or state reporting requirements. This data must be reported with the greatest compliance and accuracy possible. XXXX shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all their claims are accurate and reported in the correct format. XXXX is required by law ( FCRA ) and reporting standards ( METRO 2 ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have several 90, 120, 150, and 180-day late payments reported where there are no 30-day or 60-day late payments reported prior. I have a letter from XXXX stating that my loan would be completely forgiven which I will include and they still report late payments each month. I spoke to a representative that stated it may take 24 - 36 months for the forgiveness to take place. If you acknowledge my loan will be forgiven and I don't need to make further payments then why am I getting late payments reported every month? The credit bureaus and XXXX have failed to look into this thoroughly. This is unethical, unlawful, and unfair. 

I am requesting either all late payments be removed from both of these reported items listed below or that these accounts be removed from my credit immediately. 

Below is a summary of the data which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report because i received an alert staying that my personal information my have been part of the XXXX data breach
Product: Credit reporting or other personal consumer reports

Based on the details from this XXXX XXXX XXXX credit report, the following potential FCRA violations can be identified : 1. Reporting of Future Dates ( FCRA Section 623 ) The Balance Updated date is listed as XX/XX/year>, which is a future date. Credit reporting agencies and furnishers are required to report current and accurate information. Reporting a future date is inherently inaccurate and misleading. 

2. XXXX Accounts Still Reporting as Past Due The account is listed as charged off with a past due amount of {$1300.00}. 
When an account is charged off, it means the creditor has written it off as a loss. While the balance can still be reported, continuing to report the account as past due can be misleading and may violate the requirement for accurate reporting.

3. Inconsistencies in Paid Off and Balance Reporting The report indicates the account is 11 % Paid Off despite a balance of {$1300.00} still being reported. This creates confusion and inconsistency, violating the FCRAs standard for clarity and accuracy.

4. Failure to Clearly Reflect Terms of the Charge-Off The account reflects Terms : 12 Months, but the charge-off does not clearly align with those terms. This can misrepresent the nature of the debt and violate FCRA reporting standards for transparency.

Consumer Rights Violations under the FCRA You have a right to dispute inaccuracies. If the credit reporting agency or the data furnisher fails to verify the information, they are required to correct or delete the inaccurate details within 30 days under Section 611 of the FCRA.
Product: Student loan

I received student loans that I didn't ask for and the mistake cost me money. I asked the school and the loan processor for help with my student loan issue but have not received a response. 
At the beginning of this semester, the school told me I had to fill out a FASFA application ( they send an automated alert every semester ). I updated my information and the next thing I know, I have been awarded student loans. I didn't knowingly request the loans or authorize them. 
I immediately contacted the school and requested to have these loans stopped or sent back, but that did not happen. I was awarded a loan for {$6800.00}. That loan was sent to the school. Instead of sending the loan back to pay off the loan immediately, the school returned {$6700.00} to me. I paid the loan off on XX/XX/year> in the amount of {$6800.00} but I don't know where the missing {$72.00} went and the loan processor charged me {$13.00} after only a few days in interest. 
I asked the school and the loan processor : Where is the missing {$72.00}? 
How do I get reimbursed for the {$13.00} in interest? 
What is XXXX going to do to stop this practice of sending loans to students who don't ask for them?
Product: Checking or savings account

I requested at the local Bethpage Federal Credit Union branch in XXXX for my 2015 and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records.

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

Identity theft On Saturday, XX/XX/21 at XXXX pm I noticed that my cell phone did not have cellular service but could still access phone apps with wifi. I was unable to make or receive phone calls and texts. While using my phone, I accessed the XXXX app and found XXXX alerts ( XX/XX/21 credit inquiry from XXXX for a XXXX credit card XXXX XXXX CO, and XX/XX/21 with a credit inquiry alert from Equifax for a XXXX XXXX credit card in XXXX FL ). The credit bureaus were closed for the day at the time I noticed the alerts. I called XXXX, Equifax, XXXX, and XXXX XXXX the morning of XXXX XX/XX/21 to report fraudulent activity. I did not request these credit inquiries. I also went to an XXXX XXXX XXXX  store and learned my phone number was highjacked and a fraud alert was filed.
Product: Mortgage

I received a letter my loan was transferring from XXXX XXXX to New Rez. It stated the transfer date was XXXX, XXXX XXXX would stop accepting payments and the new servicer would start accepting payments. I did not receive any information about my new loan number. On XXXX I tried to contact New Rez to make a payment, and an automated message via their phone number stated they would not be accepting payments until XXXX. I also tried to login to their website on XXXX and was blocked, I needed my new loan number which was never provided to me. I had to call to get my loan number. 
I just received my welcome letter TODAY XX/XX/25 from Shellpoint/Newrez which has a " date '' of XXXX. There's no way this was mailed on XXXX. It finally has my loan number and information on how to make payments. 
I work for a mortgage servicer, this communication lag is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX  XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX  XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
Product: Checking or savings account

I went on a trip to XXXX on XX/XX/XXXX. I had my phone and wallet stolen. As a result of the theft, my debit card was used for XXXX atm transactions, XXXX transactions, and XXXX XXXXXXXX XXXX transfers totalling {$870.00}. I called and made a fraud claim the same day. They gave me a temporary credit for the transactions. But After several days, I received letters saying that all the transactions were reviewed by them and I shouldn't have been credited the amount and proceeded withrawal them out of my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I discovered multiple unauthorized credit inquiries indicating potential identity theft. The following inquiries were identified : 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 was having problems with XXXX which is my insurance company where they kept increasing my monthly payment due to total loss of my XXXX XXXX XXXX vehicle from an accident on XX/XX/XXXX which was replace by a XXXX XXXX XXXX. This problem also causes me problems with the XXXX in which they say I was driving the vehicle without insurance. I was XXXX  at the time and having problems with my XXXX  income, so I called XXXX at the end of XX/XX/XXXX to let them know about the problem and how can I return the vehicle. They told me that I can voluntarily surrender the vehicle, and I agree. I told them to pick-up the vehicle in XX/XX/XXXX and they told me that they would schedule the pick-up and called to let me when. I gave them the location where the vehicle was park which is at the XXXX XXXX XXXX XXXX XXXX where I was staying in XXXX XXXX at that time. They email me a letter to e-signature and the date of pick-up shown on the letter is XX/XX/XXXX, a copy of the letter is enclosed. XXXX kept reporting me to the credit bureau for delinquent account, and derogatory account. I filed dispute with the credit bureaus several time and they kept reporting. I need and would like for them to stop.
Product: Credit card or prepaid card

I filed a complaint on XX/XX/XXXX regarding funds in a BofA prepaid account from EDD XXXX. There were two separate unauthorized transfers that left my account, XXXX for {$5000.00} and one for {$3300.00}. Since XXXX of XXXX, BofA had continually insisted that I made these transfers and that there was no issue. On XX/XX/XXXX, I received notice from BofA that the {$3300.00} transfer was going to be resolved. However, I just received another letter from BofA that the {$5000.00} dispute still remains denied. I have tried to contact BofA to reopen the claim again, but no luck so far. I have been working with XXXX XXXX to help me resolve this, and they suggested I resubmit another complaint.
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

According to FCRA my rights have been VIOLATED. 

15 USC 1681 602a section 4 I have a right to privacy.

15 USC 1681 604a section 2 says to furnish consumer reports i accord with written instructions of the consumeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TEK Collections has an invalid collection on my report, I never owed the money they are reporting.
Product: Checking or savings account

New complaint with evidence I opened account that was targeted to me to receive XXXX bonus XXXX emailed XX/XX/22. Citi bank has poor communication skills and does not respond to clients in writing to confirm all details but phone records will show I was targeted and confirmed to receive bonus. Citi is smart to not send critical information so they can escape culpability for their errors and mistakes but I was emailed I was confirmed to receive XXXX dollars if promotion was met which it is was dutifully! I followed all directions including directions of verification of account that was never stated when opening! Citi bank is fraudulent! I want my XXXX dollar bonus I earned asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or listen to our phone calls. She confirmed I met qualifications. Please stop lying about this situation. If you listen to the phone call on XX/XX/22 I confirmed I was eligible and targeted with that bank rep prior to opening.
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. 

Account name : 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 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: Mortgage

I applied for a Mortgage in XX/XX/XXXX with Amerisave Mortgage Corporation Loan XXXX. I also paid a {$500.00} application fee. It has been communicated that the closing process is approximately 40 to 45 days. I provided all the requested information, and I met all the requirements for the loan. However, this ended up being a long, drawn-out process with no clarity as to why there was no progress. I constantly followed up with my loan processor, his manager, and also the customer service and still got no traction. I received a confirmation that closing disclosures were ready in XX/XX/XXXX, but still nothing was done. The process went on until XX/XX/XXXX and I did not get any loan and no explanation as to why. I spent a lot of time sending several requested documents and following up to no avail. 

I even found a website where several people have the same experience. I, however, still see the company reflected as a highly rated company, which seems inconsistent with my and several other 's experiences.
Product: Credit reporting or other personal consumer reports

I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I required filed complaints against Bank of America - overdraft problems adds to more genitals discrimination attacks me that made me overdraft fees charges with history records. In addition, they discriminate me in ugliest appearances as they laughed me looked at me in very poorest ugliest appearances what Bank of America does not like me too much when I walked in this discrimination bank. They guffawed looked at me in poorest ugliest clothes and offered me in ugliest overdraft discrimination. Also, in the past time, XXXX Bank refused to open my personal checking account along with other XXXX Bank account refused to serve opening new checking account because Bank of America 's overdraft discrimination complaints. YOUR RESPONSIBILITIES MUST MUST RELEASE REPORT TO XXXX XXXX AND XXXX XXXX XXXX REQUESTS ABOUT BANK OF AMERICA 'S HORROR DISCRIMINATION AGAINST MY XXXX & APPEARANCES DISCRIMINATION ISSUES. BANK OF AMERICA MADE ME IN XXXX AS INSULTED ME IN XXXX INDIVIDUAL WITH OVERDRAFT HISTORY RECORDS!
Product: Debt collection

I reached out to AWA collections by certified mail twice, once in XX/XX/XXXX and again in XX/XX/XXXX to have them  validate a debt they claim belong to me. I disagree as I was XXXX the entire 2014 so this debt is not and can not belong to me. The debt is in the amount of XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX day of XXXX, 2023 Subject : Dispute of Incorrect Information on My Credit Report Dear LVNV FUNDING LLC, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ LVNV FUNDING LLC ACCOUNT ENDING IN XXXX XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

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

Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX C/O IC System Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. XXXX XXXX did not remove debt but in turn sent me a letter stating the debt was valid. The letter XXXX XXXX mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. Equifax requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.
Product: Credit card

They're not able to give me a straight forward answer on this issue, but they're authorizing payments on my behalf and they keep getting returned by my bank. This results in my bank charging me fees for this issue. I'm not authorizing payments from these credit cards. Usually when I do make my monthly payment, I receive a confirmation email that these payments have been authorized. The payments that have been submitted are not authorization and therefore it is fraud.