23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint is in reference to a charge-off account # XXXX with XXXX XXXX.I am currently on XXXX XXXX and have been since XXXX XXXXMy relative whom I put in charge to handle my affairs was denied twice in a XXXX branch when she attempted to pay on my auto loan.She was told that " non account holders are unable to pay/deposit cash on anyone 's account '' .I reached out to XXXXXXXX XXXX several times about the issue with no response.I also requested my account be placed on XXXX XXXX XXXX XXXX' .Subsequently XXXX XXXX reported my account as a charge-off to all 3 credit bureaus XXXX, EXPERIAN, AND XXXXI spoke with XXXXXXXX XXXX  service members escalation group case manager.I submitted my XXXX XXXX and was told it would be taken care of.I requested for the charge-off to be reversed and my original loan terms reinstated.I also submitted a 1099 C cancellation of debt as XXXXXXXX XXXX has received a tax benefit for said debt, but failed to send me a XXXX which is required by law.I have also disputed this with EXPERIAN, XXXX AND XXXX. Instead of XXXX correcting the account or removing it, XXXXXXXX XXXX updated the balance amount with XXXX.
Product: Debt collection

I am not liable for this debt-repossession with XXXX XXXX XXXX XXXX I do not have a contract with them. The debt listed on my credit report does not belong to me. I never leased or financed a car with this dealer. This is fraudulent, I looked at my credit report and noticed an unusal auto loan dept, It was completely unauthorized. done without my consent I believe someone possibly stole my identity and got a car under my creditinals. Please kindly I ask that you remove this debt repossession off my credit report, Ive spoke with XXXX XXXX they agreed to remove this remark.
Product: Credit card or prepaid card

During the recently ( XX/XX/2022 ) concluded cycle, Chase Sapphire Reserve did not apply the month 's returns and adjustments to the purchase balance. But instead applied the returns and adjustments to a previously established My Chase Plan ( an extended payment plan ) balance. As a result, the payment I am expected to make next month is inflated by the amount of returns and the My Chase Plan balance is deflated by this amount. Consequently, what would have been an 18 month My Chase Plan payment plan, will now be for a period less than 18 months. 

Upon noticing this, I called Chase Customer Service and spoke with a Supervisor who accepted and agreed with my claim but said that thats the way the plan has been designed by Chase. The supervisor claimed that Chase is unable to determine where to apply the returns!! That is clearly untrue as Chase knows very well of the original purchase transaction ; the returns should have been applied to purchase balance and not to the My Chase Plan balance. 

When I pointed out to Supervisor of a hypothetical situation of a return of XXXX  against the original XXXX purchase, the Supervisor candidly agreed that I would be paying of the My Chase Plan balance because of the incorrect and egregious business practice being conducted by Chase.
Product: Checking or savings account

I received email message saying UNUSUAL ACTIVITY SURROUNDING my BOFA Debit card ( chip ) at a XXXX XXXX XXXX XXXX which that XXXX or ATM I never use, that it, the fraud was DECLINED, again DECLINED after reports through onsite BOFA XXXX ( XXXX ) I spoke with a bank representative several times to be treated in a suspicious and brusque manner ( as if trained - and as with other complaints over the years, see XXXX XXXX XXXX REPORTS to FBI and other ) the DECLINED STATE ( chip ) has left me without access to funds for day-to-day expenses, a new card presumably to be delivered in XXXX days, the DECLINED ( not carried through ) ATM activity at XXXX XXXX XXXX XXXX XXXX which I never use!, is now XXXX entries in my checking account listing of transactions, a REVERSAL XXXX followed by a POSTING XXXX XXXX which leaves me inaccurately charged {$100.00} for a transaction stated as DECLINED, as it appears and bank fraud which happened before during COVID-19 in which I lost several XXXX dollars. The intransigence of the bank employees leaves suspiciin ( baby crying in background, surly BOFA employee ( voice remembered from XXXX past oimplaint some law-suit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Skrill has decided to close my account for reasons I don't understand. Fine.

However, the funds that were withheld there for over a month are different than the amount Skrill has made available for my withdrawal as their own transaction history shows.

Summing the amount in the .csv file, I can see that I've deposited {$15000.00} in my Skrill account and only withdrew {$6900.00} from there. 

Then, on their pdf version, it shows a I should have a balance of XXXX. 

Yet, the amount made available to me is {$720.00}. 

Something is clearly wrong and I'm curious to why would Skrill let that happen. If I just withdraw the money without double checking, what would help? Would Skrill simply take ownership of my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car lot to see and car they told me they wouldnt run my credit and they did anyway I would like to see it removed
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments dated : XX/XX/XXXX/XX/XX/XXXX I am not sure how this happened I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Checking or savings account

Hello I opened my wise online back account and have been using it since a year, i am a freelancer and i am receiving money on that account number XXXX. 
and its a checking account. 

on the XXXX of XX/XX/2023 i tried to log in to my Wise XXXX bank and they showed a message that we closed your account with out any explanation. 

I don't mind if they close the account if they wish but I need my funds as soon as possible to be transferred to the bank account that I gave them its info. 

please help to solve this issue ASAP. 

Account holder : XXXX XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Wise 's address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX United States Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the accounts and credit inquiries listed below from my credit report. I am a victim of identity theft resulting from a data breach, and I believe these accounts and inquiries were made fraudulently without my authorization. My request is made in accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ).

Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2500.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} XXXX. XXXX - XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$15000.00} XXXX. XXXX - XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4500.00} Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  I Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan US DEPARTMENT OF ED was not transferred. This is not correct at all. I paid the account as agreed, this is an error. What Equifax stated is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.

US DEPARTMENT OF ED
Product: Credit reporting or other personal consumer reports

I am XXXX and decided to open a credit builder account with Credit Karma after reading that at any time I can cancel it so long as the first payment hasn't been made and it would be taken off the credit report in the next credit report, here is exactly what It says ; " You may cancel your Account by contacting Credit Karma XXXX XXXX at any time before the date of your first payment is due, provided you have not already made a payment of any amount. If you cancel your Account and it has been reported to the XXXX major credit bureaus, then the tradeline associated with your Account will be deleted from the credit bureaus in a subsequent reporting. " I requested it be canceled on XX/XX/XXXX and they took until after XXXX was over to cancel my account, during which an automatic payment was made to my credit builder on XX/XX/XXXX XXXX days after I requested it be canceled, this is in direct contradiction to the XXXX to cancel clause in the contract. I attempted to contact them about getting a " good faith '' removal and was told they do not do that, and then when I emailed back asking to speak to someone higher up I never received a reply.
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX saying my debt was to XXXX XXXX XXXX, for XXXX but I now owe {$49.00} dollars. I submitted a dispute and called the recovery service and filed a complaint. They are " stopping collection '' while they look into it. They said this company is a gambling service. I have zero knowledge of this company and I don't gamble. They gave me a number to call, so I called the company. Of course, no one answers the phone, nor does anyone identify themselves on the message. I think that TRS and XXXX are both engaging in predatory behavior. The number for TRS is XXXX and for XXXX is XXXX. Thanks.
Product: Credit card or prepaid card

They are liars in store and over the phone they lied to me I have a store card and wanted an upgrade to XXXX  I was told I can only do so in store and I would have to reapply I step I. Store for 1 hour was denied a XXXX  and offered the same store version what a waste of time its ashamed how they treat me and refuse to give a reason why I dont qualify I want XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 - I made a more specific attempt to resolve issue to Experian and XXXX. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit management reported XX/XX/2019 this is in dispute I received your alleged statment onXX/XX/XXXX by us mail. where I disputed this on the same day I received it You then reported to the CRA 's on the XX/XX/2019 before that I NEVER received any documents from you. enclosed is a affidavit of fact I request that you respond to the Questions. you are in violation of FDCPA, And FCRA regulations. Olease not section 73 American Jurisprudence { Am Jur } 2nd <sect 93 States You have no right to report to credit reporting companies and no right to claim I owe you any alleged money on a alleged account that my name nor your exist on .I do not give you the right to report to CRA 's this is considered Fraud on your behalf. I take threat 's very serious so stop the threats
Product: Debt collection

The company is violating my rights they have not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Vehicle loan or lease

I suffered tornado damage to my vehicle. The insurance check was written to myself and capital one. The balance of my auto loan was about XXXX the check written by my insurance company was about XXXX. I applied the insurance check to the balance of auto loan which would imply a refund of XXXX is owed. They processed the check on XX/XX/XXXX. They are saying that XXXX is a large check and due to that the back office will require till at least till XX/XX/XXXX to process the refund. By reg cc standards that isn't a large check, they are refusing to expedite the refund. They are refusing to pay interest on that money.
Product: Debt collection

KIMBALL TIREY STJOHN Original creditor : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> They have not provided debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report. 

CONSUMER REPORT - ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 


According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

A deposit was made to XXXX thru paypal. The wrong amount was attempted to be withdrawn threw my checking account that had insufficient funds to cover the amount. Paypal went ahead and paid XXXX the amount, even though it was a technical glitch on the XXXX site. Paypal then tried to charge the unauthorized amount of {$13000.00}. AN amount that was nowhere near what I had in my account and the charge shouldve never went thru. My checking account returned the money as it overdrew my checking account for insuffient funds. 

XXXX blocked me on there site and I couldn't get the money return as they deleted my account. Paypal did not help me resolve this and sent the debt to collections when they should have never gave money that I didnt have to a gambling site.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XXXX. I had been in the hospital all through XXXX until XX/XX/XXXX. The accounts continued all throughout XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF ED/XXXX/XXXX XXXX {$4800.00} US DEPT OF ED/XXXX  XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}
Product: Credit reporting or other personal consumer reports

Subject : Goodwill Request for Delinquency Removal Dear LightStream Representative, I hope this letter finds you well. I am writing to you a second time as a valued customer who has, in the past, maintained a positive relationship with your company. I am reaching out to discuss a matter of great importance to me and kindly request your understanding and assistance. 

I recently reviewed my credit report and noted a 30 day delinquency reported on my account with your company. I understand the significance of accurate credit reporting, and I am aware that my credit history is a reflection of my financial responsibility. I sincerely believe that the delinquency reported is not indicative of my usual financial behavior. 

Unfortunately, due to a medical bill of over {$5600.00}, I faced challenges that impacted my ability to make one timely payment on one of the two accounts I have with you. Since that time, I have taken proactive steps to address and improve my financial situation. I am up to date with my payments, and I am committed to maintaining a positive payment history moving forward. ( I have only this single 30-day delinquency on my credit report ) This has had a devastating negative effect on my credit score. 

I am kindly requesting your goodwill in considering the removal of the reported delinquency from my credit report. This has caused a delay in my ability to obtain a home mortgage. I understand that your company values its customers, and I know this gesture would significantly benefit my credit standing. I have again attached the medical bill of {$5600.00} that caused me to get off track with my one payment to you. 

I am grateful for your time and consideration in reviewing my request. Your understanding and assistance in this matter would be immensely appreciated. Thank you for your attention to this request. I look forward to the possibility of resolving this matter amicably. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau FDIC XXXX, XXXX XXXX, and XXXX