23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I had applied online for a loan and I immediately got a call from a man stating he was with XXXX XXXX and I was approved for a loan of {$900.00}. He took all of my information sounding legit, didnt ask for money in return and he asked for my bank details so the money could be deposited into my account right away so I gave him that information. I checked my account just a little while later and seen that a {$900.00} check was in my account just hadnt been released by my bank yet. The next morning I checked my account and the money was there and available, that was XX/XX/2024. On XX/XX/2024 I started receiving alerts about overdrafts in my account and a lot of them. By XX/XX/2024 my account was overdrawn {$1000.00} then my payroll check was direct deposit and every bit of it went toward the negative balance on my account. This is the first time I had ever been in the negative with my account and I have tried to no avail to get this fixed with my bank and the bank on the said check. Im a single mother with only my income and I live paycheck to paycheck, no extra anything and my whole check is gone because of something I had no control over. I need to just know where I can turn to to get my money back.
Product: Credit card or prepaid card

Filed complaint XX/XX/2021 lettter addressed as follows as prescribed by American Express dba AMEX : American Express XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX : Failure to Perform Claim Notice : XXXX XXXX Preferred Card ending in XXXX Rewards We activated our XXXX cards, names XXXX and XXXX XXXX, in early XX/XX/2021. Weeks later we received Detail of Changes to Your Cardmember Agreement including 'Sending a Claim Notice ' pg. 6 of 11. 

We have made timely monthly payments for grocery purchases to AMEX but no Rewards have been applied. Monthly average over {$1000.00} a month. 

Still no response from AMEX. Monthly payments to AMEX since XX/XX/2021 nor response per their requirement to " complain '' filed nearly 2 months ago, i.e., since XX/XX/XXXX. We are now requesting assistance from the CFPB in XXXX DC.
Product: Student loan

Inaccurate information regarding Student loans on my Transunion credit profile.

These inaccuracies should be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

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

- 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

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: Debt collection

I entered a consumer credit transaction with ALLIANT FCU and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLIANT FCU claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLIANT FCU has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Mortgage

My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute dates back years, however, I will begin with my most recent communications. On XX/XX/XXXX I sent a letter to XXXX XXXX asking for correction of its reporting on my account and/or that they cease reporting. This account first went delinquent in XX/XX/XXXX, and then was charged off in XXXX. Since then, XXXX XXXX has reported payments in XXXX, XXXX, and XXXX seemingly in attempts to re-age the account illegally. Numerous attempts over the years to correct this erroneous reporting have been met with complete dismissals of my requests and ignoring of my request for validation and accounting as is my right under the FCRA and after the decision in Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004. On XX/XX/XXXX, I received another letter from XXXX XXXX  indicating that they would not delete or update my reporting. Again, completely ignoring my claim that the information was inaccurate, or explaining the inconsistencies in question. 

I also disputed this account with the credit bureaus ( XXXX, Equifax, and XXXX ) in XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, despite the discrepancies in the reporting, they have failed to update or remove the account, choosing to ignore all ( clear ) evidence of discrepancies, failing to do their own investigations, and defaulting to continuing to report as long as the creditor " says it is accurate ''.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Just reachin out to say I dispute the debt under the Fair Debt Collection Practices Act I dont need no proof or docs I just dont agree with it plain and simple For future contact best way to hit me up is email only Monday through Friday XXXX to XXXX XXXX XXXX XXXX Dont bother with calls voicemails or any mail like XXXX XXXX or XXXX Thats just extra Thanks for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me. 

Someone stole my identity and has been opening accounts in my name for the past several months. I have NEVER lived outside of Delaware. There is a XXXX OH address on my credit reports- it's not accurate. They have used that address to send credit cards to. 
I do not bank with Bank XXXX XXXX, XXXX XXXX, XXXX or M & T.
Product: Credit reporting or other personal consumer reports

The loan being reported as closed on my XXXX report with 9 missed payments was reporting being serviced by XXXX XXXX XXXX XXXX  on my Transunion credit report on the dates you report to have had my loan with XXXX Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my Transunion and XXXX credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

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

Any of the business credit cards I have are only reported with XXXX XXXX XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.
Product: Student loan

When I was struggling to repay my loans from XX/XX/XXXX - XX/XX/XXXX, XXXX XXXX/ Navient representatives repeatedly suggested and applied forbearances to bring my account current or postpone payments without offering income-based-repayment options that could have saved me more money and helped me pay off my loans sooner. Those forbearances benefited XXXX XXXX/ Navient monetarily by increasing my loan amounts drastically. I should have been offered income-based-repayment options instead of continuous forbearances.
Product: Credit card

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Credit card

Chase is in violation of 12 CFR 1026.11 - Treatment of credit balances ; account termination.

12 CFR 1026.11 section ( A of 1,2,3 ) : Chase has not credited my account which shows that it is in excess of {$1.00}. Chase has not made a good faith effort to refund me any part of the remaining credit balance in the account by cash, check, or money order, or credit to a deposit account of the consumer.

12 CFR 1026.11 ( A ) - Please complete your fiduciary duty and credit the account for the amount of the credit balance of my account.

12 CFR 1026.11 ( A ) - Please complete your fiduciary duty and Refund any part of the remaining credit balance to my deposit account
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Experian Credit Report immediately. 
XXXX. XXXX XXXX XXXX - Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion off your re-investigation. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

XXXX I purchased moving services from XXXX XXXX XXXX company, to be performed on XXXX and XXXX. I paid an advance of {$1100.00} towards the total sum of {$4700.00} on XXXX, 4 days prior to my move, the company delayed my moving services to a month later. on XXXX, I cancelled the moving and asked for a refund since they had not delivered on the contracted service date. on XXXX submitted documents of all of the transactions - original purchase for service, and change date, to chase bank for the dispute. Throughout XXXX I called numerous times as Chase requested callbacks to verify information. Each time I was given a completely different answer as to what was needed and the status of the disputes. I provided all documents as requested of me, and Chase completely ignored the fact that XXXX XXXX XXXX has not delivered on the moving service, and is breaking the law by keeping a deposit for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.
Product: Debt collection

CONSOLIDATED RECOVERY SYSTEMS Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and CONSOLIDATED RECOVERY SYSTEMS is violating HIPAA Privacy laws and I will be seeing them in small claims court!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Product: Money transfer, virtual currency, or money service

I purchased food on XXXX XXXX  through cashapp using my cashapp card. I had an issue with a promo code for XXXX XXXX so i contacted their support team. The support agent told me to buy the food at the full price then to contact them again so they can refund me the amount that the promotion wouldve taken off ( which was {$20.00} ). I contacted them three times in one day and no one tried to help me. I wouldnt have purchased the food if I was going to have to pay the full price, thats why I was trying to use a promotion. So i was mislead. I filed a dispute with cashapp and provided evidence of what the XXXX XXXX  agent told me, and my dispute was denied. It said no error occurred. This is sad that I was tricked into purchasing something and was told false information so the company can take my money, and the fact that cashapp has done nothing about it speaks volumes. Ived used cashapp for years and I cant believe they treated me this way.
Product: Consumer Loan

I was in debt for about {$20000.00} in XX/XX/XXXX. I did not know what to do so I went HFC a loan company to borrow this amount of money to pay off the debt. XXXX, the HFC employee stated that I could the money as long as I gave HFC my car title. I gave HFC my car title and I received the money to pay off my debt ; however I have been on this loan for over 8 years. I have not missed any payments until XXXX/XXXX/XXXX. This debt amount has grown to {$25000.00} instead of going down. This amount should have been off within 5 years or less. I believe I have scammed and I would like help to cancel this debt since I have paid more on it than the amount that I borrowed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : American Express XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Approximately 2.5 years ago, as I was getting out of a car, I accidentally dropped my cellular telephone ; the ( protected ) screen struck a concrete curb at a 45 degree angle, permanently destroying the telephone. I called XXXX XXXX XXXX to cancel my account with them. It should be noted I was not under any contractual obligations at this point, either ; I had ( what is known as ) " month to month '' billing. I was living in New Jersey at the time. My billing cycle was from the XXXX of the month to the last day of the month. When I called, it was several days prior to the end of the billing cycle. The representative tried vehemently to bargain with me not to cancel the account ; however, as I was resolute about this, I ( verbally ; again ) refused. ** It should be noted after this point, the representative became significantly less cooperative ( almost hostile ). I asked her what was the final amount due. She said she needed my 4 digit pin, part of a 3 step online login process they had at the time to look at my account, since this was how I ( and most people ) typically paid my monthly invoice ( online ). Unfortunately, I could NOT remember the 4 digit pin, and she told me she was not allowed to login without my pin ( this is part of the hostility ). I asked her again to PLEASE give me the amount due ( IF there was any ). Again she refused. I could not get any help via customer service, or online and since I did not receive a paper bill ( XXXX XXXX XXXX charged several dollars extra ) each month to do so, which has become typical these days. Therefore, to the best of my knowledge I was current with my account. After this frustrating telephone call, attempting to cancel my account, several days later I received an invoice, which was at least twice the amount I typically paid. I was being treated incredibly bad, especially when you consider my parents and I had been customers of XXXX XXXX XXXX continuously for over 60 years. It was as if I had never called the XXXX XXXX XXXX representative. In summary : She ( A ) did she not cancel the account, plus ( B ) billed me for another month, even though she knew my cellphone was broken and I could not use it ; ( C ) she knowingly did not attempt to help ; ( D ) She sent me an invoice for double the usual amount, and ( E ) XXXX XXXX XXXX turned this over to a collection agency, which is damaging my credit report. I had done everything I knew how to do to cancel the account, and all this occurred. Whatever happened to good faith? Now, I have a collection agency, calling me at XXXX XXXX  in the morning, and they are trying to illegally bargain with me the amount ( they claim ). Even if I did owe any amount, they are aware the procedure is to send me a bill offering a potentially reduced amount in writing. All this is incredibly frustrating. If anything is due, it is XXXX XXXX XXXX that owes me, for being a long time ( over 60 years ) and loyal customer ; plus I spent hours and hours of my valuable time trying to do the right thing. Worst of all, XXXX XXXX XXXX is treating me as if I am an deadbeat client, ruining my credit while doing so. Shame on XXXX XXXX XXXX.
Product: Checking or savings account

My friend who banks with XXXX XXXX Accidentally sent me money thru XXXX CHECKING ) She sent me her rent money in the amount {$500.00}, My account was in the negative. I submitted a claim so they can return her money and she even attempted thru her bank and they refused to return the money to her account. I am beyond disappointed with CAPITAL ONE.
Product: Credit reporting or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Mortgage

My present mortgage home loan company is XXXX XXXX, ( XXXX XXXX ) In XX/XX/XXXX I was going through a financial hardship and my house was in foreclosure, and XXXX XXXX was informed and there was a court case filed in XX/XX/XXXX XXXX  -- --, I was getting help from NACA Id XXXX -- to save my house, Everything was Buddle into one and a afordable modification by XXXX XXXX XXXX was made in XX/XX/XXXX, and was paid up to XX/XX/XXXX and is on forbearance with XXXX XXXX, due too me loseing my job due to covid 19, When Trinity financial services contacted me for the sum of {$10000.00} they were informed by me that everything was taken care in XX/XX/XXXX. 
I get a Summons from superior court of XXXX, and got 35 days