23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Recently, I found that my XXXX XXXX card was unexpectedly declined for purchases on XXXX and XXXX. After contacting your company, I was informed that my card has been suspended in XXXX for 30 days and will be reissued after that period. However, I can confirm that there have been no violations of terms or any fraudulent activity on my card. 

Following this, the credit card company requested verification regarding the inability to obtain certified information about this lavender case, and I was asked to send my identification documents ( Case ID : XXXX XXXX ). Despite providing the requested information, I have not received any response since XXXX, which has been an extended delay. 

The original balance of the gift card was XXXX USD, and there should still be around XXXX to XXXX USD remaining.
Product: Debt collection

This is a copy of my email that was sent to XXXX XXXX XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I check my credit score occasionally and the last time I checked it I had two ( 2 ) derogatory remarks due to a Collection/Chargeoffs. At the time all of the information I had was the name of the collection agency. I contacted them. They told me that my name, Social Security Number and date of birth matched the information on file for whomever used my identity to obtain electricity in the State of XXXX. I have never lived in XXXX. I was told they would note it on their account but I would need to contact the local police and file a report and then go to the identity theft website and complete the necessary information. I did go to the police but because I live in the county I would have to contact the Sheriff 's Department to file the report. I had officer XXXX XXXX of the XXXX XXXX County Sheriff 's Department come out to my home. After explaining and requesting a report he advised that because this involves two state ( XXXX XXXX XXXX ) I would need to go to the website XXXX and proceed to filling out the Fraud Complaint online. This week I received a collection letter from Convergent Outsourcing , Inc. demanding {$700.00} which was 80 % of the full amount of {$870.00}. I contacted them and relayed this same information. The gentleman told me I may also need to complete a fraudulent packet with XXXX XXXX XXXX XXXX, XXXX. Obviously this is very frustrating that as the victim of this activity I am having to go to such lengths to clear my name because of another 's incredulous acts and over {$800.00} at that. Please advise. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I requested verification of debt but never received ( i.e.contracts, signatures, identification ). Collections remains on credit report as verified.
Product: Credit card or prepaid card

Last XX/XX/22 I purchased a XXXX gift card at XXXX XXXX Nevada at a local grocery XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada in the amount of {$350.00} as a gift to a local resident in XXXX XXXX, the next day XX/XX/22 my intended recipient states trying to use card but only {$2.00} in funds left since somebody in California used the gift card at XXXX store in the amount of {$340.00}, called XXXX gift card customer service and filed a complaint the same day and they created a dispute case in which now theyre saying final resolution decision result is they are not refunding my money from that unauthorized purchase without further detail explanation. Please help. I will greatly appreciate your assistance on this matter. 

Sincerely, XXXX XXXX XXXX no. XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with Quick Loans aka Dartmouth aka BF Financial in XXXX XXXX I Paid the loan early every month and paid it off 2 months early on XXXX XXXX. I then reported to XXXX and XXXX XXXX... they came back 4 times stating info ( a balance ) was correct and verified correct. I called BF in XXXX XXXX and was told by XXXX ( manager ) that it would be fixed by XX/XX/XXXX per her corporate office. It is still not fixed. I have submitted yet another inquiry through XXXX direct website and the XXXX link on XXXX XXXX, it is still not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am writing to dispute and address the inclusion of incorrect information in my credit report, which I have previously contacted Experian about on multiple occasions. Furthermore, I have reason to believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) in handling this matter.

Additionally, I am concerned that Experians handling of my dispute may have violated my rights as a consumer under the FCRA. I believe that Experian has failed to conduct a reasonable investigation into my dispute and has neglected its responsibility to ensure the accuracy of the information it reports. These alleged violations not only undermine my confidence in Experians commitment to protecting consumer rights but also have significant implications for my financial well-being and future opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts. These accounts are not associated with me in any way, and their presence is unjustly impacting my credit.
Product: Debt collection

To whom this may concern your company WELLS FARGO BANK is violating my consumer rights, breaking the FDCPA and the FDCRA. Your company also is furnishing inaccurate and incorrect information to the consumer reporting agencies. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

15 usc 1681 congressional finding and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 usc 1681a ( 2 ) definition rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.
Product: Checking or savings account

I made a purchase on XX/XX/19 at XXXX XXXX for {XXXX}. Checked my account balance at an ATM at a branch the following day XX/XX/19. I had a available balance of {XXXX} I withdrew {XXXX}. On that day I used my card at the laundry mat for {XXXX}. I knew I had to cover that {XXXX} the following day. The following day I went to the branch to deposit {XXXX} and saw that my bank account was overdrawn for the XXXX XXXX transaction, the laundry mat and an overdraft fee of {$36.00}. I asked a Teller at the branch to waive the fee and she stated the over draft was in pending status. That I had to wait for the following day until the overdraft hit my account. I was informed by the teller that I needed to contact the XXXX location branch regarding the overdraft fee. I contacted XXXX who is the XXXX XXXX at the XXXX location. He did not bother reviewing the account and stated that it was not a bank error and was not going to reverse the fees. As by this time I already accrued XXXX overdraft fees.
Product: Money transfer, virtual currency, or money service

Victim Information : Name : XXXX XXXX XXXX Age : XXXX - XXXX Address : XXXX XXXX XXXX XXXX/XXXX./XXXX XXXX : XXXX XXXX City : XXXX Country : United States of America State : Minnesota Zip Code/Route : XXXX Phone Number : XXXX XXXX Email Address : XXXX Description of Incident : On XX/XX/2018 morning, one fake person hacked my friends ( Naming XXXX XXXX ) XXXX account and sent me a message that his mother is very ill and is in XXXX. He needs {$3000.00} immediately and he would return that in couple of weeks. 
He provided account details as XXXX XXXX XXXX XXXX : XXXX and account # XXXX. He also provided a phone number XXXX but told me not to call as he is in XXXX. 
I know XXXX XXXX from last 14 years, so I decided to help him out by sending {$1500.00} via money transfer service called Remitly via express transfer which takes place in 4 hours, but because it was early Saturday morning it did take place immediately. 
It was Saturday early morning, as the transaction did not go through and in the afternoon, I realized that it was scam as I called up the number to know the condition of my friend 's mother. 

I immediately contacted Remitly to stop the payment, but they did not take any action. I reached out to them many times after that, but they failed to take any action to stop the transaction, they have given me complaint number XXXX. 
Remitly later harrased me asking for XXXX $ more when i filed a dispute on transaction with XXXX XXXX XXXX. 

I contacted XXXX XXXX customer care, but they asked me to contact XXXX XXXX XXXX instead. 

I contacted XXXX XXXX XXXX on Saturday and Sunday, but they told me that they can not file a dispute unless the transaction goes through and as soon as that happened they have taken the case and launched the dispute. The Case ID # XXXX.On XX/XX/2018 XXXX XXXX XXXX declined my claim stating that as I initiated the transaction i have to bear the charges. 


I will be extremely grateful if you can help in take any action and recover my money.
Product: Credit reporting

I have been fighting with Transunion for years. They continue claiming they have investigated reported information and determined it to be verified, only to have me come back with proof it 's not mine. They have ruined my life for years because I have a common name and no not follow proper procedures for releasing my credit report or verifying the accuracy of reported information. 
They requested a notarized statement saying inquiries were unauthorized and they 'd remove them, yet they have refused to do so after I have sent it in many times.
Product: Checking or savings account

I brought a ticket from XXXX but I never used it. I have been requesting a refund.
Product: Checking or savings account

Bank has now put a hold on check deposits to my account in retaliation for my cfpb complaint. I filed a complaint with the cfpb and the first check I deposit after they have placed a hold on. i deposited a check via the mobile app on XXXX. I have never had an issue with bounced checks, I am not new, this is not a large deposit, and I do not overdraft, these are the exceptions allowed and holding my money for 3 days is in breach of the standards. XXXX ID XXXX states that that XXXX dollars need to be released. He refused to address the legal standards to release XXXX $ or all of my check. He hung up on me. This is in direct retaliation for my previous complaint. This has never been an issue before, and now they are refusing to even speak to me. How can I expect a bank to abide by banking laws if XXXX cant provide clarity on the legal standard and lies to me directly about how the process works. He advised me all checks get a hold I advised him it hasnt happened before and asked why it would happen now and he disconnected on me. Previously a portion of the check has been made available. This time none of it is. Why would I bank with a company that wont even trust my checks? Ive never had a bounced check and now they tag me for at risk after a complaint. XXXX and bold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX Business Account I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Experian. 

Recent Lawsuit Findings : In separate rulings, courts have determined that Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

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

In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.
Product: Mortgage

Back in XXXX I was Contacted By A ( Licensed S. Loan Officer ) By the name : XXXX XXXX in witch he Asserted me that he would be the total point of contact with my loan, And that I qualified if I provided the following Documingtation. A credit report was Pulled. At that time XXXX would constantly communicate with me and all seem legitimate. After the 2nd week. I would never speak with XXXX XXXX again, Only via Email, witch I found very suspicious to begin with. On XX/XX/XXXX I made the attempt to call and find XXXX. Not to be found anywhere. I would call many time and finally, I received a call from XXXX XXXX, in witch he stated a few things I needed addressed on my Appraisal Report. I did all that was needed. three months have passed and I now start to Contact Headquarters at  UnionHomeMortgage. To this day XX/XX/2019 I still have not hear from XXXX XXXX And my loan amount has Increased in amount by adding Rate locks, Creating a larger Loan amount that I originally started. all the Fees are going Up and I now think that this is all done intentionally. I would like to have someone At Union Home Mortgage Contact me direct : XXXX and or have the CFPB look more into this matter. At this point my damages have been substantial. I needed to refi to pay off the Hard Money Loan on property. I now have to start with another Mortgage Company and start the process all over again. New Credit Pull, Appraisal cost, Time, I have to pay an extension fee to the current Lender, Etc. Please Help!! 

thank you.
Product: Student loan

I am writing to formally lodge a complaint regarding XXXX XXXX and his DOGE XXXX. It has come to my attention that they have accessed my personal and financial information related to my student loans, including my social security number and financial status. This constitutes a violation of my FERPA rights, which are intended to protect against such breaches. 

My students loans are handled through XXXX, who is part of the US Department of Education. I respectually request that an investigation be conducted into this matter to determine what actions can be taken in response. Thank you for your attention to this sensitive issue.
Product: Credit card or prepaid card

To whom  it may c oncern, on  X/XX/17    I did apply online for a "  XXXX   XXXX   XXXX   XXXX  '' offered by U.S. Ban k National Association. Th e terms of the offer I replied to, showed a {$0.00} introductory annual fee for the first 12 months, after that {$80.00 } ( see  attached offer_terms.PDF for comparison ).  <P/> On  X/XX/17    I did receive the "  XXXX   XXXX   XXXX   XXXX  ''. However, the accompanying credit card agreement terms show an annual membership fee of {$80.00}  ( se e attached cc_agreem_terms.PDF for comparison ).  <P/> If I had n't thoroughly read these terms and had just started using this credit card, I would have incurred that fee, without ever having agreed to such terms.  <P/> Sincerely,  XXXX
Product: Money transfer, virtual currency, or money service

My account keeps getting charged from unknown purchaser I wouldnt by from .so I would try to contact cash app through customer service and would have to wait a long time to get a response instead of my refund and then they would ask to change my cash app card to further secure my account but then they would same problem would occur again and then they would ask to repeat the same process again Im tired of cash app take random unknown purchases and just want my hard earned money back, please help me.
Product: Debt collection

In XXXX of this year I contacted Midland Funding about an account they are attempting to collect on. They responded saying they could not locate an account for me but asked me for additional information as you'll see in the attachment. I then replied stating I was providing them with the exact same information they gave to the credit reporting agencies because that is the information being reported by them. They received that notice by certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. To this very day despite them not being able to locate the account they are still reporting this account to the credit reporting agencies and verifying it to be accurate.
Product: Student loan

I have been filling out paperwork for the Income-Based Repayment plan for Navient for 3 years. The first year I had filed for an IBR XX/XX/XXXX the process was relative easy and they processed it quickly although I was forced to declared forbearance during the process twice. This past year for XX/XX/XXXX-XX/XX/XXXX was an absolute nightmare. They failed to process my paperwork for roughly 4 months straight. I called nearly everyday to speak to a supervisor and they would only put my loans on forbearance. Every time. I was told over and over again that the paperwork was received and was being processed and I kept asking them how does it take so long to process it if you have had it for months. I was finally able to speak with someone competent and he was able to put through the IBR for me by just changing something in the computer. 

I did not know we had the opportunity to send in a complaint to a higher order, had i known this would have been reported ASAP. I thought I was just at mercy to my loan servicer. 

If something can be done in regards to all the interest I accrued due to FORCED forbearance that would be greatly appreciated. If anything I would like this to act as a complaint to fix the issues with this servicer so other people do n't have this issue. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Someone put a bad check in my account. Hacked into my online banking system and deposited the check and then had a fake card made and stole all my money out my account!!!! I explained to us bank this issue and they are refusing to help me and charged off my account for more than 2,000
Product: Student loan

I applied for the STUDENT LOAN FORGIVENESS. Was sent an email stating that my request was approved, however couple of days later received a notice in the mail stating that it has been denied.Just would like to be approved since all school have been closed due to misrepresentation.
Product: Debt collection

My complete identity includeing Id, passport, social security card, birth certificate, credit cards, debit cards ect. Was stolen out of my car in XXXX of XXXX. Various accounts has been open in my name because of this. A police report was made and i also have the case number Case # XXXX
Product: Credit card or prepaid card

My father XXXX XXXX has been XXXX XXXX financially XXXX XXXX XXXX XXXX XXXX and opened up a card in my name to play his own financial interests as a fraudulent business banker. Ive asked the company ( AMEX ) to close the account. They wont close the account because I dont have authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed these inaccurate accounts below and XXXX  to be specific keep sending me and my wife computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. 

Accounts Being Disputed : 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