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

Home depot credit card purchase was made XXXX Amount : XXXX -Multiple calls to home depot 800 number -Visit in XXXX nj location who referred me to my credit card for fraud protection -disputed transaction which card did not proceed forward with as no proof of cancellation was sent ( none possible to send since it never came ) -multiple calls disconnected at credit card company.
Product: Mortgage

The company that purchased my home equity load which was discharged through bankruptcy six years ago has contacted me and told me that my debt was satisfied through some government program and that they were sending documents to city register to remove the lien from my property. I had to sign some Dodd Frank form and forward it to them. I did that. This was back in the beginning of XXXX. Since then I have checking acris.nyc.gov website to see if the lien was removed but nothing happens. I have contacted the company numerous times and each time they are telling me that the paperwork has been submitted but nothing happens. I went down to the city department that handles the liens and they told me that it takes 5 weeks to process a record. It has been way longer and I am afraid that this is some kind of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection accounts below are not mines. I have contacted all three agencies and the Attorney General in which these companies have XXXX in to dispute the collection tactics. 

XXXX XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported : XXXX XXXX, XXXX + XXXX} Needs Attention
Product: Student loan

I have had auto pay on my student loans since before the pandemic. My auto pay has not changed and my auto pay date has not changed. Nelnet failed to utilize my auto pay on XX/XX/year> and is showing my loans past due. When I called I was informed they are processing the payment because the autopay was on the weekend and it will take multiple business days for the payment to process. In a phone call on XX/XX/XXXX, they admitted this is their standard practice and has been ongoing for at least XXXX  years. This practice is deceptive as it is not disclosed that accounts will falsely show past due. It also harms borrowers because it gives the appearance of additional interest being charged on the past due amount.
Product: Credit reporting or other personal consumer reports

The company ( s ) are purposely blocking any attempts to dispute inaccurate information by mail, certified and regular. i have mailed in numerous disputes they have blocked and not disputed- they state the dispute seems it did not come from me. however, i believe they are doing this illegally in attempt to deter disputing anything that is reported. please hold these companies liable for these actions. They have not only dramatically impacted me financially, but also emotionally. Due to their deceptive actions, i have now lost the ability to purchase a home since the dispute was never filed according to the FCRA that i submitted by mail with all required documents! I should be entitled to compensation to remedy the effects of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you as well as the Credit Reporting Agencies that I am a the victim of identity theft. I conducted a research on how to remove the fraudulent accounts and information from 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, the Credit Reporting Agencies are required to remove any accounts and inforamtion that are 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 is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX/XXXX  XXXX Balance - ; XXXX XXXX Balance ; XXXX/XXXX  XXXX Balance {$320.00} ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; and XXXX - XXXX SERVICE Inquired on XX/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 identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

DEAR SIRS : C.F.P.B US. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. EGREGIOUS FRAUD BY CAPITAL ONE AS {$39.00} ANNUAL FEE [ See Art. [ The Capital One Quicksilver Credit Card has no annual fee and offers a flat 1.5 % cash back on every purchase you make, plus earn {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. 
... 
Capital One Quicksilver Cash Rewards Credit Card. 
Regular APR ( % ) 15.24 % - 25.24 % variable Annual Fee {$0.00} ] SEE EGREGIOUS FEE.

CAPITAL ONE MEMBER FEE XX/XX/2022 {$39.00} XXXX XXXX XXXX XXXX never received Letter announcing It HIDE FEE
Product: Student loan

Prior to being transferred to MOHELA, XXXX was preparing my loans for discharge because I had met the requirements for PSLF. Not that my loans have been transferred, I was told by MOHELA that there is no record of my PSLF forgiveness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER-To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent
Product: Mortgage

I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the absence of my Experian credit score in the current credit report.
Product: Checking or savings account

The Bank of America has canceled my debit card and then blocked my internet access without any explanation. 
I told them I live in XXXX, XXXX, and couldn't go to a BoA branch in the US in the coming tome. 
The attendant said I should go to BoAs branch in XXXX XXXX. That's 1-hour flight from XXXX. 
I did it and went to the address I was provided but was denied access to the office! The attendant said over the phone that BoA in XXXX operates independently from the US. 

I contacted customer service again, and now she tells me I must go to the US!!! It makes no sense. I want to transfer my money ( around {$2000.00} ) to another account under my name. A trip would be more expensive than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX, XXXX
Product: Credit card

On XX/XX/year>, I was charged {$220.00} for contacts that I ordered. And the on XX/XX/year>, I was charged again for the same amount of {$220.00} even though I only should have been charged once. I called XXXX to start a dispute and they are refusing to remove my double charge. I was on a XXXX way call where the XXXX rep confirmed that it was a pre-authorization cost and that the charge should be removed. XXXX then asked me to ask XXXX for a proof of purchase and I emailed them what XXXX gave me. XXXX explain to me that merchants ( often times Wells Fargo ) often do this and there is nothing XXXX can do. XXXX then denied my dispute charge and they are refusing to tell me why my dispute was denied.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

My Account closed on me out of no where. I didnt do anything illegal or suspicious it just stopped all activity for me using the app.
Product: Money transfer, virtual currency, or money service

I am found a complaint against cash app block incorporation due to inadequate customer service and unfair practices which violate the consumer financial protection at cfpa specifically cash at failed to take timely and effective measures to prevent an address fraud on their platform leaving my account with vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under electronic fund transfer act, ( EFTA ) and regulation e these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from HYUNDAI. Spoke with a Representative on XXXX XXXX, she also was not clear on amount owed. I have attached the Copy B receipt which reflects all balance taken care of and there is nothing owed for this account. 

HYUNDAI FINANCE needs to make the proper changes to reflect all collections are complete and update my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid -Purchase Contract I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide proof to me, of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

TheBUREAUS ( OriginalCreditorXXXX  ) Acct # XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Debt collection

Information was send to XXXX XXXX credit bureau and posted to my credit report on XX/XX/19 in the amount of {$1700.00} its account is not mine .I have been with the same phone company for the past 10 years with the same phone number ( XXXX XXXX ). I send letter to XXXX, the collection agency and to the credit bureau asking validation and the removal of the item on my credit report, but the only action by XXXX was to send monthly invoices
Product: Credit card or prepaid card

I opened an XXXXXXXX XXXX Card account in XXXX of 2021 and closed the account one month later, but they havent returned my {$200.00} deposit back since then. Ive contacted customer service at least three times but theyve always said that if my account doesnt have anything owed ( which it didnt when I closed it and still doesnt ) that Ill receive my check in the mail within 14 business days. Its been over a year now and its not an issue of them having the wrong address because theyve sent me mail asking how my experience with their customer service was when I had to ask where my deposit was yet again.
Product: Credit reporting or other personal consumer reports

recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the XXXX and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with XXXX XXXX they furnished my information to IC SSTEMS, all without my written consent. below i attached a dispute letter to further explain the laws being broken, i demand a deletion at once.
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 is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TNXXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX 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 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  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 card or prepaid card

on prior pages of complaint form I could not find the right questions regarding my problem so chose the closest to my issues. 
here is my problem. 
on XX/XX/2021 my XXXX Bank of america depit cart was hacked and all my money, in the amount of {$4800.00}, was stolen. I filed a police report and file a claim with BofA several times during the year, but BofA was keep denying my claim, I filed with fraud department also, they keep asking me to identify and verify my identity few times, which I did, first time went to bank and verified my ID and signature and second time I faxed them my ID. Every time I filed a complaint they denied my claim, saying " unfortunately we're unable to approve your recent claim '' saying that I took and transferred money to my checking/saving account. I have several checking and saving accounts with Bank of America, if they do detailed investigations they will find out that I did not deposit or transfer any money during that time and amount of {$4800.00}. that money was my XXXX money, my only income during covid because losing my job. 
thanks hope you will be able to solve this issue.
Product: Prepaid card

Tuesday, XXXX XXXX I tried to contact Way2GO through the website, through their phone number, and looking online for a way to contact them. I just received the new card that expires in XX/XX/year> and I'm supposed to activate it. It gives the number XXXX or go to their website GoProgram.com. 

I couldn't remember my User ID so it locked me out. There's no one to call to unlock it so I can access my information and try to activate it this way. When I use the number, there's no option to activate the new card at all. There's no way to get in contact with a real person. No option for that at all. It's all automated. If you mess up, it merely hangs up on you. I have a month maybe to get this fix for my son to use his money. I need this fixed and someone who can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) operated by LexisNexis is reporting incorrect information concerning my driving history. XXXX provided the XXXX Report reference number XXXX. 

XXXX is incorrectly reporting me as having been in two accidents in XXXX. I haven't been in any accidents in at least 20 years. This incorrect information is costing me approximately $ XXXX in insurance rates. 

I attempted to contact XXXX/LexisNexis at the telephone number provided by the insurance company and their web portal, and finally through another number. 

The web portal and automated voice number provide no option for disputing an incorrect report. The web portal only permits you to request a USPS letter that will allow you to THEN request a copy of your information. There is no option to initiate a dispute. 

I finally spoke to a representative using another number on XX/XX/XXXX. After taking my personal information she explained that she was unable to access my information or to initiate a dispute for me. My information is stored with a special group that she was not permitted to tell me the name of. She could not provide any contact information for the group or information as to why my information was not available. 

I have also sent email to XXXX/LexisNexis, but have not received even an automated response. While this has not been going on for a long time, I do not see any reason to think that the company even has a dispute resolution process that could result in my information being corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account listed as XXXX and XXXX XXXX XXXX XXXX AND XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting these charges be removed immediately.