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

I XXXX XXXX XXXX opened up the account in XX/XX/2020 and they sent me a Statement with my Routing number and checking account number and member number, and they still have my account on hold and my money is from : Social Security Administration, Retirement XXXX Insurance I won a Lawsuit in Indiana.And Pentagon Federal Credit Union has frozen my Account and I have not received my money for XXXX XXXX because Pentagon Federal Credit Union has a hold for no reason
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account Number XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Money transfer, virtual currency, or money service

I sent four bottom money order receipts for four XXXX XXXX  money orders that were never cashed by the people I sent them to and asked for a reprint or refund. I was charged XXXX dollars processing fee for each refund check resulting in only four XXXX dollar checks. That is excessive and oppressive. It should be a sliding fee of XXXX percent the total amount of the money order. That would be more fair a business practice. The banks have all gotten out of control with their excessive fees and greed. Or it should be only XXXX dollars for everyone. All the money orders XXXX dollars and under receive no refund check.
Product: Money transfer, virtual currency, or money service

My wife sent me a payment via paypal of {$220.00}, papypal added {$950.00} on the transaction. However, the amount sent to me was never disputed and has been posted since the day the payment cleared the credit card. I've attached a copy of the dispute and it shows the amount disputed was {$950.00}. Since then Paypal has even received the {$950.00} to complete the total of the payment while my account is still negative and I have not been credited back for the money the took fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX  and XXXX   credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.
Product: Money transfer, virtual currency, or money service

I was mislead by a seller and sent money on XX/XX/2020 to a individual for merchandise and shortly after sending the money the seller disappeared. I reached out to the company and they said they can not help me resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTEM OF EQUIFX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES
Product: Credit card

There are multiple fraudulent charges on my account. After multiple representatives telling me the case was taken care of and the stolen money being deposited back into my account the case was somehow transferred to someone on the escalated team, XXXX at XXXX. XXXX. She proceeded to tell me that these are not fraud and that I must have dealt with them before. When I explained that is not the case, she became sarcastic and told me I was lying. I asked for some sort of proof from the companies that she found during her investigation and XXXX stated that she did not need to investigate because she did not believe. She said that because other people had done business with them I must have too, which is not the case. When I attempted to notate what she was telling me and asked her to slow down because I was doing so she started to get loud and hung up on me. A few days later I received a letter from Chase stating that every charge in the fraud case had been closed in the companies favor. However, XXXX refuses to allow me to talk with another representative about the case or investigate the charges as they are required to do so.
Product: Consumer Loan

In XXXX of 2014, I tried an XXXX XXXX XXXX and found their interest rates and car selection to be predatory and unacceptable. I never went through with any of the loans offered, and when asked if they could do a credit inquiry I was told that they would only do XXXX soft inquiry that would not affect my credit report, only to find that my TransUnion credit report has XXXX hard inquiries from the same group of financers that I never approved. XXXX of the hard inquiries were made soon after my meeting at the building that XXXX tells you to go to when financing a vehicle. XXXX inquiry was made a month after my visit to the office. There is simply no excuse for them having done XXXX hard inquiries when I only authorized them to make XXXX soft inquiry that would not impact my credit. I did not use any of these financial services and went with a XXXX loan instead. 

EXETER FIN ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ).
Product: Student loan

Edfinancial added a missing payment to all of my XXXX XXXX once they transferred. I missed three payments in XXXX due to XXXX XXXX failing to contact me about the end of deferment ( They had my XXXX address ). Now with the transfer Edfinancial added a missed payment for XX/XX/XXXX even tho I only missed XXXX, XXXX, and XXXX of XXXX. I'm just a poor XXXX XXXX old trying to buy a house for my family and XXXX XXXX XXXX  companies keep ruining my credit.
Product: Mortgage

Was told about the Assumption Process in XXXX of XXXX. They later told me I needed a Credit Qualified Assumption, as I was attempting to remove my ex-husband from the loan. Was told it would take 30 days, then 90 days, then 90 more days as the paperwork had to be sent over and approved by the FHA directly. I filled out the XXXX XXXX packet multiple times. I could never reach or received a reply from the person listed in the paper work, XXXX XXXX. I was consistently threatened in the paperwork language, that my application would be cancelled, if information that was mailed out to me were not received back in 15 business days ; despite it often taking 15 days to arrive to me. No guidance on how to complete the paperwork, what they were looking for regarding " buyer '' and " seller '', constantly asking for my ex husband to sign documents ; despite me providing them the XXXX XXXX stating that he had " no interest in the home ''. It was a nightmare, and I could have been held in contempt of Court due to them not completing the process in a timely, honest and professional manner. Process wasn't complete until XXXX. They even send me a letter stating the they could not complete the process because I had not yet made that particular month 's payment ( I had until the XXXX before a late fee would even be processed ). I had been paying the Mortgage independently for more than 12 months. They charged me {$550.00} to drag out a simple process, not provide support and lie regarding the FHA having to approve the process. It was way worse than obtaining the mortgage from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, UT XXXX Mastercard # : XXXX is lost/stolen. All of the transactions on the account is fraudulent and unauthorized. My entire credit limit of {$800.00} was used in a fraudulent manner.
Product: Credit card or prepaid card

In XXXX, I called to book a trip using my XXXX Rewards points. I was quoted a price of approximately XXXX points and agreed to book it. 

However, after filling my account up with the requisite points in order to complete the purchase, the agent quoted me a different price of approximately XXXX points. 

After much back and forth about the fact they misquoted me, they acknowledged the mistake and agreed to honor the original price they quoted me. The way it would be done would be to pay the full new price ( XXXX ) and then issue me a refund for the difference of XXXX. I went ahead with this proposal believing that it would be handled as expected. 

At first I was told it would take two weeks to process. After that went by and I called, I was told it could take up to 2 billing cycles. 

It has now been 3 months ( well over 2 billing cycles ) since this was promised to me, and the refund has not been delivered. Every time I call I am told that it is still in the hands of some department for processing. I can not get an answer on how or when this will be done. 

The total value of those points is approximately {$1000.00}, so this is not a trivial amount of value that I am not being refunded as they promised. 

Lastly, I consistently get disconnected from their service line and despite promises to call back, they never do so.
Product: Checking or savings account

Bank Of America Charge me overdraft back to back on transaction could be ovoid by declining payment by putting my interest first and not bank is greed to charge me {$35.00} overdraft each time. Because I was out of country and didnt have any way to deposit more money has transactions I didnt expect and thought was set to another count came through. And bank charged me {$12.00} and overdraft from the charge. 
Total I have 3 overdraft. I called and from customer services asked to talk a supervisor ( XXXX XXXX XXXX contact center ). XXXX refunded only the {$12.00} and overdraft from it XXXX stated that the bank will not refund any other overdraft. 

The bank didnt have to pay petty transaction such XXXX the charges could be rejected because the count was overdraft already for many days. ( I was out of country and unable to make deposit, {$12.00}, {$24.00}, and charge me each time {$35.00} overdraft. XXXX charges came through the wrong count he wasn't supposed to be bank of america. The charges were from another state which can show I was out of state. Bank refused any understanding or accept any reversal of XXXX charge. XXXX charge could be rejected, or overdraft charged next day after messages sent and courtesy wait time for deposit. Bank of America didnt do any. Bank of America just wants me to pay them {$130.00} overdraft they charged me. 
They said they will reverse only their monthly fee, and overdraft from the monthly fee, shouldnt be charge in first place. I requested XXXX charge/overdraft but they refused. 
I asked to talk to XXXX is supervisor, and got disconnected by accidently. 

When I called back XXXX ID XXXX customer services from Texas center was rude, aggressive. I repeatedly asked to talk with her supervisor she kept coming back in the line telling me that they dont have any supervisor available and I can wait if want. I kept telling her that I am, she kept trying to discuss the situation, telling me that theres nothing can be done and the bank will not reverse the fees. 
She was so rude and aggressive that I end up telling her that I really dont want to talk to her and been waiting for her supervisor, and that if she cant put me through her supervisor to transfer me back to XXXX XXXX. 
I waited for at 20mm before a supervisor finally came. 
XXXX XXXX supervisor, told me that there's none can be done and I have to pay the charges. Bank have right to charge this. 
That is not helping the customer, it to create hardship for the customer.
Product: Credit reporting or other personal consumer reports

I would like Experian to provide me with their verification method of each late payment for each account via mail. I need to know how they came to the conclusion that I was late on any payments for any account listed on my consumer report.If this information can not be provided I need all negative remarks and accounts removed immediately. 
These are the accounts reported as late that I'd like copies of your verification method for 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

A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to XXXX who sold it oracle financial group that they are the ones with the debt.
Product: Credit reporting or other personal consumer reports

The hard inquires on my credit report are NOT authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> They are not authorized, no permissible purpose or other reason. 
18 USC 1028A Producing without lawful authority an identification document or a false identification document.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking them to remove them and they have not so im filing a compliant against them for unfair credit reporting Credit inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Debt collection

Allied Collection Services is attempting to collect on a debt that was never ours. The debt is/was with XXXX XXXX XXXX. The vehicle in question was sold to my brother prior to the the vehicle being towed/impounded. He hadn't registered the vehicle in his name prior to illegally parking the vehicle, resulting in the tow. This debt was never ours since the vehicle was no longer my asset. I have attached the bill of sale showing the vehicle was sold prior to the tow date, as well as a copy of the trade-line from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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. 1681s-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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


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

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Product: Debt collection

I joined XXXX XXXX once I moved to the XXXX XXXX XXXX in XXXX. I do not have a contract. I am not required to keep the account. I missed my XX/XX/XXXX payment and was blocked from entering the gym. I was going to make the payment but XXXX XXXX is charging me for the month of XXXX. I have not visited this club in over a month. I asked to pay what I owe and resume from there but I was told even though I can not access the club my account remains active and the billing continues for a facilty I can not use. These people relentless call, text and email me multiple times a day. I signed up with a promotion that exempts me from signing a contract.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXXXXXX XXXX, Opportunity Financial ], account is reporting closed with XXXX and XXXX bureau but open with Equifax. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill nit 's legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting Immediate corrective action to remove all disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is a significant source of concern for me. I am deeply troubled about its potential adverse impact on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe XXXX XXXX and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Several of the recorded accounts are flawed concerning reporting, with inaccuracies in amounts and dates.