23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am not aware of ever signing for this loan. At the time of accepting the repayment terms with Conserve, I mistaken them for a different loan I took. In my graduate year I was paying mostly in cash because I wasn't qualified for other federal loans. I have made several attempts to speak to someone from Conserve, but to no avail. I have emailed them with my frustration and demanded answers, but no one emailed me back and no one called me back. 

Conserve has been deducting {$140.00} from my account every month since XX/XX/2013. I checked my balance last year and it was less than {$1000.00}. This amount should have been paid in full by now. I went into the website to check again but there was no information about my account or balance ( Which should be XXXX   by now ).
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 {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.
Product: Checking or savings account

I am a longtime customer of Etrade/Morgan Stanley Private Bank Account XXXX >20years ). I received a letter today ( XX/XX/2023 ) stating that without reason, they are closing my account. My account currently has {$2500.00}. I am given thirty days to act, or Morgan Stanley Private Bank will take action on my behalf. I do not wish to close my account and believe this action is discriminatory. Please help me.
Product: Debt collection

There are accounts on my credit report that I didnt approve. Kindly remove and block them immediately.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on Experian few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX , XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report
Product: Credit reporting or other personal consumer reports

I filed a claim that I had no knowledge of any accounts being opened in my name and there was no changes made to my credit report.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited XXXX  days and I haven't recieved nothing here is my tracking number # XXXX. It has been over XXXX days. 

And XXXX more thing, Experian, XXXX, and XXXX didn't record the current status of the account being in the disputed status. 

Experian, XXXX, and XXXX is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and Experian is not doing its job according to the law.
Product: Debt collection

IC System a collection agency which apparently has a history of false, wrong collections with strong-arm tactics, contacted me by letter a few months ago claiming I must pay a debt of {$500.00} from XXXX of 2020 ( a year ago, in other words ) for XXXX XXXX, which is not me, not my name. My name is XXXX XXXX. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, XXXX , Florida XXXX, about XXXX miles from me. I live in XXXX XXXX, CA. I wrote back to IC Systems telling them they are wrong in contacting me as I am not XXXX XXXX nor do I know anything about her debt, and to stop bothering me or I would take additional steps to get relief. Yesterday I got a sdecond letter from IC System saying they got my letter and will honor my request not to contact me again, BUT I STILL OWE THEM {$500.00} FOR the debt to XXXX, apparently a TV cable service company atXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I will upload a copy of the bill for {$500.00} enclosed in the second letter from IC System which has XXXX  name + address as well as XXXX XXXX 's name and address + phone and her account number : XXXX. IC System has meanwhile ruined my credit rating by filing a collection action with the 3 big credit reporting agencies -- see my attached notice from XXXX XXXX, notifying me of their damaging action and false collection effort on XX/XX/XXXX, months after my letter explaining they were wrong in pursuing me, the wrong person, in their collection efforts. So they have demonstrated BAD FAITH by ignoring my facts and pursuing harmful action against me.
Product: Checking or savings account

I had fraud on my account and Citibank and they refuse to help and credit my account. They are giving me the me the run around. I have tried to fix this problem with them and they are treating me as a criminal when I am the victim of fraud. The following are the transaction dates and amounts : Transaction Date Amount XX/XX/2021 {$99.00} XX/XX/2021 {$84.00} XX/XX/2021 {$49.00} XX/XX/2021 {$46.00} XX/XX/2021 {$99.00} XX/XX/2021 {$74.00} XX/XX/2021 {$170.00} I have attempted to resolve this issue three times and they refused to help. Very upset with this bank and how they are treating their customers.
Product: Credit card

my credit card was charged for a service I did not receive. The credit card company refunded the money to my card, and later went a did a credit reversal after I had already expressed that fraud on my card. I spoke with multiple representatives and the issue was supposed to be resolved, but it never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my report that was closed XX/XX/2022 however its showing open on my Equifix report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXXXXXX XXXX {$3400.00} This Account was closed on XX/XX/2022.
Product: Credit card

XX/XX/XXXXXXXX  Received letter from AmEx dated XX/XX/XXXXXXXX  containing multiple misstatements and raising the possibility of additional charges. 
XX/XX/XXXXXXXX  ( today ) Contacted AmEx ( XXXX ) and reviewed the XX/XX/XXXXXXXX  letter : 1. ) " ... after a recent review, your American Express account ( s ) listed above ( XXXX XXXX XXXX ) have been cancelled. '' This is false. In fact the account should have been XXXX-out and cancelled on XX/XX/XXXX. Eventually, XXXX found the XX/XX/XXXXXXXX  interaction and agreed. 
2. ) " No further charges will be approved. '' " Please contact ... compan [ ies ] [ that ] have any recurring charges on these accounts... to ensure these bills do not go unpaid. '' " ... destroy any Card ( s ) you may have for the account ( s ). '' Believed I had done all of this XX/XX/XXXX. Asked XXXX if there were any additional charges on the account or if somehow the card had been fraudulently used after XX/XX/XXXX. Fortunately, XXXX said, " No. '' 3. ) " We reviewed... information when making this decision ( to cancel the card/account on XX/XX/XXXXXXXX  ), including your history with us. '' Asked XXXX if AmEx had reviewed every transaction/interaction since XXXX. XXXX did not know but suspected that AmEx had not. 
XXXX. ) " We made this decision for the following reason ( s ) : Your account ( s ) with American Express is or was past due. '' This is false. On XX/XX/XXXXXXXX  I consented to AmEx keeping {$21.00} residual Reward Dollars ( RD ) as a Thank You for cancelling the card/account. In XX/XX/XXXXXXXX  AmEx promised to investigate what happened on XX/XX/XXXXXXXX  - AmEx did not. On XX/XX/XXXXXXXX  AmEx owed me {$100.00}. On XX/XX/XXXXXXXX  AmEx owed me {$690.00}. Informed AmEx ( XXXX ) that if this is not resolved an {$11.00} interest/finance fee will be added on XX/XX/XXXXXXXX  and AmEx will owe me {$700.00}. 
5. ) " ... give us a call at the number on the back of your Card. '' How can I do that when I destroyed the Card on XX/XX/XXXX. Able to contact AmEx via phone numbers from previous interactions.
Product: Credit card

Disputed last paid XXXX, on ( XXXX ) credit bureaus, company came back with XXXX as there date. XXXX C/R XXXXshows XXXX late payment XXXX, account listed as open credit.
Product: Credit reporting

I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, XXXX and Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws concerning how my credit information has been handled. These include willful noncompliance in verifying the accuracy of the information on my credit report, deceptive reporting practices, and failure to adhere to required disclosure and validation processes.

Specifically : Unverified and Inaccurate Reporting : Certain debts and inquiries were added to my credit report without proper validation or my consent, violating FCRA Section 616 and Section 623 ( a ) ( 3 ).

Lack of Disclosure : My right to opt out of sharing personal information was not disclosed as required under FCRA Section 603 ( d ) ( 2 ) ( A ).

Unauthorized Practices : Debt collectors improperly contacted third-party agencies and disclosed debt information to unauthorized parties, breaching location information regulations. 
Deceptive Late Payment Reporting : Payments were reported as late without clearly defining what constituted a late payment, making the information misleading and inaccurate.

Permissible Purposes Violation : My credit report contained information that was shared without obtaining my written consent, contravening the permissible purposes outlined in the FCRA.

Finance Charges Errors : Finance charges were not accurately determined as required.

Additionally, I raised concerns about the specific debts reported by several collectors, including XXXX, XXXX, XXXX XXXX XXXX, and others. I demanded proof of these alleged debtssuch as signed contracts or original applicationsand validation of their accuracy across all three credit bureaus. In the absence of such validation, I requested the removal of these items. 

If these issues are not resolved promptly, I am prepared to pursue legal remedies under the FCRA, including penalties for willful noncompliance and inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters collection agency shared my credit report with XXXX XXXX. I do not know this gentleman nor did I ever give consent for my information to be shared.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX before XXXX my cashapp account sent a total of {$2000.00} unauthorized to 2 people. This was split in 2 payments of {$1000.00}.

Cashapp will now refund me and I need this money back. There were declined transactions as well on this app that shows it was trying to protect me but failed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to request that certain information be removed from my credit reports maintained by your bureau, due to the breach of my personal data. As provided under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681, I ask that the following items be deleted from my records : Personal Information : I request that all personal information be removed from my report except for my full legal name : XXXX XXXX. 

Late Payments : Please remove the XXXX late payment entries associated with my XXXX  XXXX account ( Account Number : XXXX ). 

Authorized User Account : Please remove the XXXX account as an authorized user ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX XXXX Account : Please remove the XXXX  XXXX account ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX Account : Please remove the XXXX account ( Account Number : XXXX ). 

XXXX XXXX  XXXX Account : Please remove the XXXX XXXX XXXXXXXX account ( Account Number : XXXX  ). 

XXXX XXXX  Account : Please remove the XXXX XXXX  account ( Account Number : XXXX ). 

XXXX XXXX Account : Please remove the XXXX XXXX  account ( Account Number : XXXX ). 

XXXX XXXX  Account : Please remove the XXXX XXXX  account ( Account Number : XXXX  ). 

Inquiries : Please remove all inquiries from my credit report across all three bureaus ( Experian, TransUnion, and Equifax ). 

These items are included in my reports as a result of a data breach, and I am requesting their immediate removal in accordance with my rights under the FCRA. I ask that you please update my records to reflect the corrections outlined above. 

Please inform me of any additional documentation or steps that may be required to process this request. I appreciate your timely attention to this matter and request confirmation that the updates have been made to my credit file. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> chase Bank closed my XXXX, there was {$8500.00} which I never got, we tried to connect them and verify transactions multiple time but nothing helped to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXXXXXX XXXX  XXXX. XXXX
Product: Credit reporting

Trans Union had a computer glitch and removed all my inquiries and reinserted them within a week and failed to report to me they were doing so, which is in direct violation of federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX  they are really giving me a hard time about removing these items off my report Company-XXXX XXXX XXXX XXXX LVNV funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX