23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My American Express personal savings account was debited for ( {$4800.00} ) on XX/XX/XXXX. I did not authorize this transaction nor have I ever personally owned a credit card with XXXX. I noticed the fraudulent transaction on XX/XX/XXXX at which point I immediately called American Express to notify them and begin the dispute process.

I received a letter from American Express dated XX/XX/XXXX indicating they would not refund me the {$4800.00} because " based on their review of the information, no bank error had occurred ''. I've since made several calls to American Express to request additional information & documentation on how they arrived at that conclusion, and each time I demand to speak to a supervisor on the issue they've told me someone from " business operations '' would call me in a specified time period to explain to me why I wouldn't be refunded my money. I still have not received a call from AmEx " business operations '' within any of the time periods I was told I would receive a call within. 

Today I called them again to demand information because I didnt receive a call as promised, and I was told AmEx is sending me a letter in the mail indicating why they will not be reimbursing me for a transaction I didn't make. This is strange because AmEx refunded another fraudulent transaction on my account - the other transaction in question was an online payment to an AmEx credit card which I've never owned an AmEx card either. I believe American Express is intentionally trying to make it difficult for me to get confirmation of what's going on with my dispute in the hopes that I give up and AmEx will not have to refund me my money that I'm rightly due. I'm terrified that they've taken advantage of other consumers that may have less persistence than I have.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX on XX/XX/XXXX the vehicle seemed like it was driving weird on the highway I took the vehicle to XXXX XXXX XX/XX/XXXX had an inspection done they told me the transmission and rear differential was badly damaged and was failing I called the finance company whom was XXXX XXXX at the time and also took the vehicle to the dealership I requested my money back and for them to take the vehicle they refused and said they would repair it they never repaired it in XX/XX/XXXX the vehicle broke down I called the finance company in XX/XX/XXXX and they sold the contract to XXXX XXXX XXXX XXXX XXXX XXXX whom took over collections, etc paragraph XXXX of the purchase agreement states that if there is a window warranty agreement it voids anything else in the agreement I also sent a letter to rescind and a cease and desist to XXXX XXXX XXXX XXXX XXXX XXXX they continue to report this voided agreement on my credit report which is fraud they never upheld the agreement so we have no contact with each other they need remove this fraudulent information off my credit report because I do not owe them and pay me all money ever paid on this voided agreement I will attach all evidence on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

i was charged in proper overdraft checks held long time and never should have been being charged overdraft. i then changed banks they inpropetly charged me XXXX  of dollars
Product: Student loan

I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX Account # XXXX This is a fraudulent account. Please Delete Immediately XXXX XXXX XXXX Account # XXXX This is a fraudulent account. Please Delete Immediately XXXX XXXX XXXX  Account # XXXX This is a fraudulent account. Please Delete Immediately XXXXXXXX XXXX XXXX Balance : {$140.00} This is a fraudulent account. Please Delete immediately Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

I have been filing complaints since 2011!!!! 

Violation of Fair Debt Collection practices. Claiming to be an attorney office, no website or contact information provided. Yelling, screaming, and calling names. Refusing to communicate via writing as requested. Contacting family members and friends trying to collect a FALSE debt. Threatening police will come to serve papers. This company is a fraud. They have violated ALL of the following Fair Debt Collection Practices listed below : Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not : use threats of violence or harm ; use obscene or profane language ; or repeatedly use the phone to annoy someone. 

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they are n't ; or indicate that papers they send to you are n't legal forms if they are. 

Debt collectors also are prohibited from saying that : you will be arrested if you do n't pay your debt ; they 'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so ; or legal action will be taken against you, if doing so would be illegal or if they do n't intend to take the action. 

Debt collectors may not : send you anything that looks like an official document from a court or government agency if it is n't ; or use a false company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, Equifax, and XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called XXXX  and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX  by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with Equifax at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.
Product: Checking or savings account

My wife and I invested money ( via certain Certificates of Deposit ) at the State Bank of India in XXXX, IL ( hereinafter the Bank ). Officials of the Bank have indicated in writing that they lost our money, and that they can not trace our funds. Please see the detailed facts below. I am also uploading documents substantiating these claims. 

My wife, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the State Bank of India ( the Bank ) bought three certificates of deposit termed as XXXX  of varying denominations ( hereinafter referred to as CDs ). 

We submitted the original documents substantiating the CDs to the Bank as collateral for a loan we took from the Bank in XXXX. In XXXX, or thereabout, we paid off the loan in full using SOME of the funds in the CDs. There was a remaining balance of at least {$10000.00} ( plus interest accrued ) left in the CDs after we paid the loan off. Also in XXXX, we authorized XXXX officials of the Bank to reinvest the remaining balance in updated CDs of the same type ( XXXX XXXX XXXX  ) in XXXX. In XXXX, we learned that, without our permission, the remaining funds were transferred by the XXXX branch to an affiliated branch of the XXXX XXXX XXXX XXXX. 

Officials of the Bank in both XXXX and in XXXX are now stating that our funds are missing, and they are unable to trace our money. 

When I tried to follow up on the accounts in XXXX, the XXXX branch employees claimed that their policy compelled them to throw away documented proof of our accounts because the accounts are more than five years old. As a result, I had to travel to XXXX multiple times to follow up on the invested funds that we entrusted to the XXXX XXXX of the Bank, to no avail. 

As you are aware, these CDs are legally binding contracts. Per the terms of the contract, the Bank is obligated to keep our savings safe, reinvest them automatically, and to return it on demand. Unfortunately, so far, all our inquiries about our funds have fallen on deaf ears. This money is a big part of my retirement and healthcare savings. Simply put, the State Bank of India in XXXX has a legal as well as moral obligation to return our money with interest. We have exhausted all other avenues of communication, and we are now requesting your help to hold the Bank accountable.
Product: Student loan

I submitted a payment of {$1000.00} on XX/XX/year> for my Unsubsidized loan through Mohela on student aid.gov/mohela and the money was taken out on that date but hasn't hit my mohela account yet. It's been almost 2 months and my money is out of my account and not on my Mohela account on that loan. I paid it then because I didn't want interest to keep reoccurring and interest keeps building because it isn't on my loan. I've tried calling Mohela but wait times are over an hour every time.
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 NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : AXXXX 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: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/1988 Dear credit Bureau To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a pastr due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Product: Credit reporting or other personal consumer reports

Attention litigation Department, As stated in case law XXXX vs XXXX XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after XXXX months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never warned by XXXX XXXX that they would do a hard inquiry and I have no goods from them that wer n't paid for in full at the initiation of service. They only had my name and last 4 of my Social and were able to do this hard inquiry without telling me. 
This is what it looks like on my Equifax report : XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies This inquiry could stay on your report until XX/XX/XXXX. 

No contact information has been reported by this creditor.
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. This attempt is to tell you that I am a victim of identity theft and I am complaining this several times already to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I submitted my dispute via mail to Equifax, I called to check the status and they informed me they did not receive my dispute, I am submitting it this way to make sure it gets delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I  have identified fraudulent accounts and inquiries on my credit reports. These are a result of identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$510.00} Inquiries : XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fails to do their job to validate this debt but continues to report this information on my credit report. I demand this information to be deleted from my credit report if they can not provide proper debt validation.
Product: Checking or savings account

This is pursuant to the initial complaint ( XXXX-XXXX  ). I spoke with XXXX the regional manager for bank of the west. He is not being helpful. They still have money on hold.