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

My EDD debit card has been suspended due to suspicion activity. I called the phone number on the back of the card and listened to my past 10 transactions, there are 5 transactions I do not recognize. 
1. Pending transaction on XX/XX/29 {$660.00} declined 2. Debited transaction on XX/XX/29 {$99.00} authorized 3. Pending transaction on XXXX {$310.00} declined 4. Pending transaction on XXXX {$310.00} declined 5. Pending transaction on XXXX {$310.00} declined Also I have had more than 10 transactions on this debit card but I am not able to review them over the phone, and when I tried to login to the BofA prepaid app, I received a error message stating that info Im providing is wrong. I believe someone has hacked into my account and locked me out. I need access so I can review all my transactions and confirm they are mine. I have been trying to report the fraudulently activity to Bank of America EDD debit card customer service as instructed on the website and card but risk management department has not answered me for 2 days now. Ive been on hold for up to 3hours at a time multiple times but have yet to speak to someone and report the fraudulent activity.

One more thing, I have bills that I need to pay right away and can not wait 3-5 business days to receive my replacement card. I have been trying to get an emergency cash transfer but same problem, no answer and when I get someone on the phone they say we dont do that or transfer me to another department and no one ever comes back on the phone.
Product: Debt collection

OnXX/XX/XXXXXX/XX/2017. I requested a verification and proof of a collection that was place on my credit which I didnt know about. The collection agency did not provide enough proof that the collection is mine. I will upload a proof of what they send me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter from the XXXX Ohio XXXX saying that they don't report to the credit bureaus
Product: Checking or savings account

Well, I have a loan with Money Lion and the payments are {$84.00} a month. I initiated a payment for {$84.00} on XX/XX/2023. The payment was due on XX/XX/2023. Money Lion accepted the payment on XX/XX/2023, but also took another payment for {$84.00} again on the same day, which caused my XXXX  XXXX XXXX XXXX checking about to have a negative balance and cost me a {$30.00} fee. I contact Money Lion about the issue several times and they hung up the phone in my face and ignored my emails. I had XXXX  XXXX XXXX XXXX reverse the transaction and then Money Lion said I missed a payment and they would mark it as late for XXXX, and shows I next payment was not due until XX/XX/2023. They flat out refused to update their system. 

Then I sent a check to Money Lion on XX/XX/2023. My bank shows that Money Lion cashed the check on XXXX XX/XX/2023, but my checking account at Money Lion does not show a deposit for that amount. When I called Money Lion, I spoke with two people and they claimed that they never received the check, but it was in fact cashed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting

Applied for a mortgage, the process is going slowly ( nine months so far! ) and the lender has checked my credit report probably six times for the same loan. Experian is now claims that my credit score has lost XXXX points ( it was XXXX, it is now XXXX ) because of " too many inquiries ''. This lender checks my credit constantly, and my FICO score goes down each time. 
I tried to get an online credit report from them, it downloaded, but my computer crashed, and everything disappeared. I wrote to Experian to get them to send me a hard copy and they have completely ignored me. 
I ca n't even defend myself - I have lost XXXX points off my FICO score for no reason at all, and nobody seems to give a XXXX. I have never been late on a mortgage payment in my entire life ( and I 'm XXXX ), and have n't had a 30 day late since 1972. It is n't easy to get an XXXX FICO score, and I do n't want to lose it and pay extra interest because Experian ca n't be bothered to fix the credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a discrepancy regarding my real estate loan with XXXX Mortgage. According to my credit report, there is a missed payment erroneously recorded in XX/XX/year>. I wish to bring to your attention that this discrepancy was addressed during the XXXX pandemic grievance period, during which I received written assurance that the credit report error would be promptly rectified. 

Despite assurances, as of today, the erroneous late payment remains unremedied. Consequently, I am seeking an immediate resolution to this matter. Specifically, I request the immediate removal of the late payment from my credit report and the correction of this error with all three major credit reporting agencies. 

Your prompt attention to this matter is greatly appreciated, and I trust that this issue will be resolved expeditiously.
Product: Checking or savings account

I'm a victim of crime and I am a VICTIM of ILLEGAL MARRIAGES & XXXX & FORCED LABOUR WITHOUT PAY AND HIPAA VIOLATIONS & VICTIMIZATION OF CLONING & HEALTHCARE FRAUD. I AM PENDING XXXX XXXX XXXX CONTRACT PROMISES & MY LEGAL PAYCHECK & I AM BEING SMUGGLED & TRAFFICKED & VICTIMIZATION OF WAR CRIMES & I AM A VICTIM OF CHEMICAL RESTRAINTS & HUMAN GROWTH & RACKETEERING.
Product: Credit card or prepaid card

I went to XXXX  XXXX  to open my first credit card and the agent told me that I had 23 opened/closed credit accounts. I never had a credit account before. Someone used my identity to opened all these accounts under my name. 
The companies and banks are : XXXX XXXX  XXXX XXXX Discover bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some companies that has multiple accounts opened. 
I attached photos of the banks and amount owed down below.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan using a vehicle title and they were things calculated in repayment that were optional but told were mandatory
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have sent multiple letter trying to dispute the inaccurate and negative information thats being reporting to my XXXX credit report. XXXX has refused to do a proper and thorough investigation. I have attached three of many letters thats been sent to XXXX
Product: Payday loan, title loan, or personal loan

I got an email that I had got a loan out from Speedy Cash or XXXX XXXX XXXX. That I owed XXXX dollars and had to pay it right now or I would be charged with fraud and be suied for $ XXXX in court. I never got a loan out from them or anyone else lately. I do need a loan but have been denied. I called both companies they have no loan on file for me or even an account. I never received paperwork for a loan and no money was ever put into any bank account.
Product: Student loan

On XX/XX/2017 I deferred my student loans with Nelnet to avoid any late payments while my payments where being recalculated we went back and forth many times they had lost paperwork and and not contacted me back. I was during this time in deferment. But to my surprise my credit is showing late payments from XX/XX/2017 through XX/XX/2017! I need this off my credit immediately due to Nelnets error and faulty reporting to the credit bureau.
Product: Debt collection

On XX/XX/2019, I sent the debt validation letter to the Alliance Collection Agencies , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019.  Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.
Product: Debt or credit management

When it came to requesting a refund back. They never answer, or have a solution to fix the problem
Product: Checking or savings account

TD bank sent me a text message on Tuesday XXXX XXXX alerting Fraud suspicious activity, the text message asked did you attempt {$620.00} at XXXX with card xxx? Reply Yes or No. I replied NO and I got a reply the card was locked and to call the number and open a case, case # XXXX The bank debit/credit card was stolen from my wallet on Tuesday XX/XX/2022 and XXXX transactions were made on Tuesday XX/XX/2022 at XXXX XXXX XXXX XXXX PA one transaction for {$790.00} and the same store again for {$800.00}. I do not live in PA I live in NJ. I never make purchases this large. 
I filed a dispute with my bank that my card was stolen and these were fraudulent charges. The bank investigated and said they believe its not Fraud and will not return my {$1500.00}. 
I have filed a police report with the state of NJ about the stolen credit cards and my bank will still not give me my money back.
Product: Student loan

I was going through a divorce while living overseas and was unable to submit the forbearance/deferment application on time and reported as 90 days late. I provided information about my divorce decree with no charge. Navient has also been charging me interest on my student loan when there has an Executive Order issued to suspend interest on student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 {$1600.00} XXXX XXXX XXXX Account number- XXXX dispute attempt ( mail-in ) XX/XX/2023 {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
account number- XXXX dispute attempt ( mail-in ) XX/XX/2023 {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tap account number : XXXX dispute attempt ( mail-in )
Product: Credit card or prepaid card

Havent used card in over XXXX XXXX. Was charged annual fee in XX/XX/2022 but never notified or prompted to view statement. Card was past due and was charged multiple late fees. Discovered issue when I noticed credit score go down. Immediately paid off balance of {$170.00}. Called company to request refund and complain that my credit was affected. Was told they do not email notifications and was my responsibility to check bill online. Why would I as I havent used card in a XXXX Other cards will prompt me to view statements when fee has been charged on a unused card
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, North Carolina XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX Equifax and XXXX Subject : Request to Opt-Out of Reporting Process Dear XXXX, I am writing to formally request that you opt me out of your reporting process in accordance with the provisions outlined in the following laws : 15 USC 6508, 15 USC 6081 , 15 USC 6802 , 15 USC 6805 , 15 USC 1681 , and 16 CFR 313 and 313.7, as well as The Privacy Act of 1974.

As a consumer, I understand my rights under these statutes, which provide me with the ability to control how my personal information is used and reported. I request that you cease reporting my personal credit information to third parties and take all necessary steps to ensure that my data is not shared without my explicit consent.

Please confirm receipt of this request and inform me of any actions taken to process my opt-out request. Additionally, I would appreciate it if you could provide me with a written acknowledgment of this request and any relevant details regarding your procedures for opting out of your reporting process. 

Thank you for your immediate attention to this matter. 

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

After the Equifax breach, I logged into my account to place a freeze. Now, I would like to unfreeze my Equifax account. When I attempt to login to my account, Equifax states : " We can't complete your request at this time. Please call the Customer Care team ''. When I contact the Equifax Customer Care team, they are unwilling to allow me to log into my account, nor are they willing to unfreeze my account ; demanding unreasonable documentation be faxed ( who faxes anymore? ) that has never been requested before this issue arose.
Product: Credit card or prepaid card

XXXX XXXX issued by *Synchrony Bank was closed on XXXX due to inactivity. We had no idea this would be done and had the card to use for times when items were needed. Upon calling, the rep stated the conditions were in the agreements. They are not and these companies are using algorithims that they can not explain. They *Synchrony Bank XXXX also lowered my limit on Sam 's Club card driving up the credit limit ratio to 97 %! without notification. I was supposed to receive a letter after I called and never did. I was told to reapply for XXXX XXXX! why should I when the interest will be higher due to their actions. 

The closing of the account hit the credit bureau and decreased my score substantially to the poor range because they did not report as inactivity but made it look like it was just closed. 

Synchrony seems to be on a trend with this as theiXXXX XXXX site names several such incidents of people who had no marks and whose credit took a dive. They appear to be trying to get more money by lowering your score, having you reapply with a bad score and pay higher interest rates. Their cards already have high rates like usury fees and now these antics are making it worse for people just trying to live and who pay the cards monthly only to be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

See previous complaint # XXXX which was " closed with explanation ''. I have a letter that this inquiry from XXXX was fraudulent and should be removed. This inquiry is harming my credit report by affecting my ability to obtain credit. It should be removed immediately. 

I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XX/XX/XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XX/XX/year>, I filed disputes on accounts that are over XXXX XXXX XXXX. Nothing was done and no accounts are removed that follow my disputes. They were charged off. These accounts fell into this category was because of no longer able to be employed because of XXXX. 

I contacted each debt collector recorded in my Experian credit report. We planned payment arrangements and payments were made. XXXX account has XXXX more payments to be made to satisfy the balance on the account. 

I am requesting the Experian to investigate these payments and record the proper information on my credit report and make sure the remaining XXXX credit reporters are in informed with this information as well. 

I am presently going through a very difficult situation in my life, and I am trying to fix my credit report that I may be able to obtain a place to live. With my credit report, not being updated incorrectly reported I am homeless. 

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

I am writing to formally dispute the inaccurate information currently listed on my consumer report, which has resulted in a violation of the Fair Credit Reporting Act ( FCRA ) due to unauthorized use and reporting of my personal information. Despite my efforts to resolve this issue directly with the reporting party, [ Company Name, e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ], they have failed to provide validation or correct the inaccuracies as mandated by the FCRA. 

Almost a year ago now ], I sent a certified mail request to [ Equifax ] asking them to validate the accuracy of the reported information and provide the original creditors information to my place of abode, as required under 15 USC 1692. To date, no such validation has been provided, and the inaccuracies remain uncorrected. Furthermore, I have contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, but no further action has been taken to investigate or rectify the inaccurate information on my consumer report. 

This inaction is a direct violation of the FCRA, which mandates that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of incorrect information on my report is damaging and represents a significant failure to uphold the legal standards intended to protect consumers. 

I am requesting that [ Equifax ] conduct an immediate investigation into the accuracy of the information reported by [ Equifax ] and that any unverifiable or inaccurate information be promptly removed or corrected as required by FCRA. I also request that you provide me with written confirmation of the results of your investigation and any corrective actions taken. 

If you need any additional information from me to facilitate your investigation, please let me know at your earliest convenience. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX All Rights Reserved.
Product: Credit card

I purchased a generator on XX/XX/XXXX for {$2300.00} on my Chase Freedom card, showing option for " Plan Details Available. '' EXHB A. 

Showing another transaction, XX/XX/XXXX for {$1200.00} which also qualified for payment plan, EXHB B. 

Example of payment plan details for XX/XX/XXXX purchase for {$1200.00} with 6 month plan, which was I chose for the XX/XX/XXXX purchase.EXHB C. 

Terms I found after digging on Chase website, which never came up when I chose to participate in 6 month payment plan, EXHB D. 

Email on XX/XX/XXXX informing me that I paid up my plan, and even showing the purchase date of XX/XX/XXXX, EXHB E. 

Statement shown on Chase website for my account even showing the amount, {$390.00}, for each payment for XXXX payments, and actual plan start of XX/XX/XXXX, EXHB F. 

Email on XX/XX/XXXX showing I had a balance after I was notified of full payout, which in fact should have shown at least XXXX  remaining payments of {$390.00}, EXHB G.

I did call customer support. They said they couldn't do anything and that I would have to go to a Chase branch. I went to a Chase branch and spoke to a representative and he said the customer support was wrong. He called somebody and he couldn't resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY   XXXX    but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}