23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney.
Product: Money transfer, virtual currency, or money service

I sent an initial wire transfer into XXXX for {$130.00} to test on XX/XX/year>. These funds went through and were accessible immediately, I then initiated another transfer of {$170.00} on XX/XX/year>. The {$170.00} transfer didn't show in XXXX although it was charged from my checking account. I've since contacted XXXX and they stated, " there's no transfer showing on their side ''. So, this brings me to CFPB as a hopeful alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs Bank USA responded to a XXXX XXXX XXXX XXXX XXXX XXXX complain not to long ago on XX/XX/2023. I, XXXX XXXX XXXX filed a complaint with XXXX regarding Goldman Sachs Bank USA regarding a fraudulent item on my XXXX Credit Report. According to the response from Goldman Sachs Bank USA, They stated that I was not liable for this account and as of XX/XX/2023 they supposed to have sent a notification to XXXX to have the fraudulent account removed. I have attached proof of message from Goldman Sachs Bank USA regarding their agreement and response to remove this fraudulent account from my credit report, but for some reason, the fraudulent item is still reporting on my credit file. Please advise and remove this Goldman Sachs account from my credit report please. Thanking you in advance for your cooperation. 

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

The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable. 

XXXX XXXX  - XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX - {$590.00}
Product: Checking or savings account

On XXXX XXXX I thought I was talking to a loan officer, I had given him all of my information. This included my Drivers License number and banking account number because funds we suppose to be deposited into my Chase bank account. He deposited money into my bank account in turn I was told to buy gift cards. He had access to my bank account Chase will not take responsibility and will not pay me back the money that he backed out of my account. He backed out XXXX, XXXX, of my Car payments and my Condo payment and my HOA payment as well as doctor payments and other bill payments such as my XXXXXXXX XXXX bill I had made on the dates of XXXX XXXX through XXXX XXXX with a total amount of {$8100.00}. 

Thank You
Product: Vehicle loan or lease

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Infiniti Financial Services LLC, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that is showing two missed payments, forXX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.
Product: Debt collection

On XX/XX/XXXX, I purchased a bed and box spring from Sleepy 's located on XXXX XXXX XXXX XXXX, NJ. The total costs was {$910.00} As in incentive to consummate the purchase, I was informed by the sales person attending to my need, that Sleepy 's was offering an interest free loan. I accepted the offer, and the invoice of the purchased items that included a tentative delivery date. There was n't any representation of an expiry date of the interest free loan, nor any interest rate terms and conditions. <P/>I made scheduled monthly payments, as directed, through the web site of Synchrony Bank from XX/XX/XXXXthru XX/XX/XXXX I was under the impression that my scheduled payments were credited to my balance ; however I was notified by Synchrony onXX/XX/XXXX, that my balance was {$870.00} as a result of APR of 29.99 % plus late fees. When I confronted Synchrony via phone calls, I was informed that if I download the monthly statements in PDF form, it will disclose the terms and conditions of my loan. I requested a copy of the original invoice and/or any agreement signed by me at the time of purchase, and was told to contact the Sleepy 's store. When I contacted the Sleepy 's store of purchase, they directed me to the manufacturer located I believe in XXXX XXXX Texas. That proved futile. <P/>My last course of action was sending Synchrony Bank certified mail containing a letter that detailed all of the above. That was sent on XXXX XXXX, XXXX. Until now, I only received a monthly statement with a request for {$930.00}.
Product: Credit card

Hello Hope you are doing good On XX/XX/2023 ( 2 month ago ) I tried to do XXXX XXXX and i was searching on XXXX and found one company which it was so professional and i emailed them, they responded professionally and they provided me some services with price which i attached on this complain And request them for services and they promised me to do the XXXX job in 30 Days and after 3 weeks of contract i tried to contact them but nobody didnt respond and they didnt even answer the phone And i waited till 30 day as of they promised on contract to do the job and after 30 day tried calling them again but no Respond I opened a dispute claim and also fraud Claim with CITI BANK and sent all information including emails and Contract but they refused to pay back and still showing investigation on your behalf and no body doesnt give me any information in this bank, someone scammed on me and fraud me and they steal my money and i Cant do anything and the bank refused to pay back and also they remark my credit report what it wasnt my Fault that they scammed me and someone fraud my money and stole it Please please fallow up and investigate this issue The company name is XXXX XXXX And amounts charged and dates is : {$3700.00} XX/XX/2023 and {$9500.00} on XX/XX/2023 Dispute claim opened on XX/XX/2023 And fruad Claim opened on XX/XX/2023 Which the scammer mentioned on contract they will refund full amount if the customer didnt get any services and I didnt get anything even phone answer Also invoice screenshot has been Attached on this Claim Thank you
Product: Debt collection

Investment Retrievers continues to incorrectly report information to the XXXX credit bureaus despite having confirmed in a conversation that they are misreporting. They have continued to misrepresent the the balance and status of the account including account activity and they 've done so knowingly but are refusing to accurately report as a means of making sure I do n't stop paying.
Product: Debt collection

This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of this account. And when I challenge this account, its called opening a dispute. The reporting this account, on my credit report, please must provide documented proof, for example, a document with my signature on it, that I authorized and provided consent for this account. This is a violation, if they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove this account from my credit report. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I also request that this account that Portfolio Recovery Associates LLC be moved to arbitration, I have not been served documentation to appear in court, but counsel was notified of a docket numbers XXXX and XXXX in the XXXX XXXX XXXX XXXX for XXXX XXXX to be cease at once, and proper paperwork file and deliver to my address so I can appear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given Equifax, XXXX, XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.
Product: Student loan

I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. 
I am VERY unhappy.
Product: Credit card or prepaid card

I tried to open a credit card for my business associate under my supervision where I would be the responsible party. I was denied because my associate had a bad debt with this company that had been properly adjudicated through the Chapter XXXX bankruptcy federal laws. My associate 's record has been clean for well over the 7 years required to clear the record and has been able to qualify for a mortgage without mortgage insurance etc. Their XXXX XXXX is XXXX. 
I am questioning the legality of this since the credit would be in my name and I would be the responsible party and am in good standing with the company denying this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX XXXX  XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # XXXX has violated my rights. 

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.
Product: Credit card or prepaid card

In mid XXXX, I got a letter in the mail that my card was shut with no explanation I tried calling but they wouldnt give me any answers. I have a great credit score and never missed any payments. Ive made this my go to card as I travel allot on XXXX XXXX and I dont think its fair they should just close my account.
Product: Checking or savings account

I could not login. I called Chase and left my call back number. The system said it would take 13 minutes for a call back. I did not get a call back and it's been 5 hours.
Product: Debt collection

XXXX XXXX XXXX called me regarding a check n go payday loan from years ago. They sent me a verification letter of debt attached below with the wrong address. I was scared because they kept calling and insisted they can lower the debt and I only have to pay {$1000.00} instead of {$3700.00}. I just cleared the loan in XXXX and tried to call back this legal mediation company through all the numbers I can find starting off with the number provided to XXXXXXXX XXXX and then the one on the letter. It advises to leave a message. I left a message two months ago and there was no response. I am trying to retrieve a confirmation notice stating the debt has been resolved. After searching the company online and reading through that this company is fraudulent and a scam, I feel the need to report them because this is not fair. I paid my debt to scammers and we need to put an end to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX   up interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX NO EDUCATION and trumped up XXXX
Product: Mortgage

Back last year I filed a complaint due to the fact that I have an FHA loan and had requested forbearance due to hardship because of covid and Selene finance told me that my fha loan was switched to a conventional because of a late payment they also stated this to cfpb which is incorrect. 4 different times I have requested ALL account stmts, payments, and all loan documents showing where this is not fha and that it is a conventional loan and they have yet to send anything but what can be pulled up on the account on the system for the last 2 years which is what was verbally held I had HUD research the case number and they found that someone dropped the ball and did not file the case number. I also spoke with a lady who stated that there were bankruptcy papers in our file and this was incorrect. Once I got the attorney for them involved and cfpb and hud counseling they stopped the forclosure and were supposed to be doing a real forbearance for the last 2 1/2 months I have called and called and went straight to voicemail or customer service who gives me the same number and option I called into to set up our payments that we can make now and I finally got through today after learning that we are being foreclosed on XX/XX/XXXX this isnt right we signed at closing a note that is fha in XXXX and no where Is there a conventional loan documents signed All we want is for them to follow what was originally signed and are even willing to sign a new note after the original loan paperwork, payments fees has been sent to us as requested in writing several times and been investigated on there end as well and then a repayment plan done. We are on the middle of having to replace all kinds of stuff in the home including roof, plumbing, and the whole sunroom. We would honestly be better just walking away from the property at this point but this is our home that we are trying to keep and just want this all fixed so this is continue to happen Thanks Forbearance was requested in writing and verbally to Selene an acknowledgement was received on each one but nothing was ever sent to us. Please advise how we need to proceed. I am also going to go to XXXX XXXX, my colleague at OIG, FOIA with HUD if I do not get any kind of answers by XXXX. Regard to the mass amount of calls but its unfair to never answer until week before its going to auction especially when we are wanting to set up pmts to repay this and get back on track for the last 2 years. Please get a solution for us that is reasonable I have our original note, dot, all other paperwork as well as pmi payments to we have paid on this loan .if this needs to be sent we can upload this
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting is reporting the wrong address on my credit file. I have lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for over 16 years and they recently updated my address to an address I have never lived at. I contacted them with copies of my driver 's license and utility bill and it is still reporting the wrong address. They are also reporting the wrong social security number even though I have sent them a copy of my correct social security number and driver 's license.
Product: Credit card

Fraudulent card situation and bank issuing overdraft in a morally unsound manner.
Product: Debt collection

XXXX , Inc. has sent harassing letters to me indicating I owe monies for alleged damages that I have caused. I have requested specific information about the nature of the alleged damage and proof that I am responsible. I have not received a response and recently received a letter threatening that they will be pursuing legal action against me for a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report.

The amount that is reported I owe is inaccurate as it is reported. I request that you verify the information and remove the information from my credit report as quickly as possible. 
The items in question are : XXXX XXXX XXXX XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes.
Product: Vehicle loan or lease

Our company paid our auto loan with A.C.C. in full 2 yrs early before this vehicle loan was due and around XX/XX/XXXX in the amount of {$8000.00} via certified check. We received a letter from A.C.C. stating it was paid in full and that the loan was satisfactory around XX/XX/XXXX. 
Fast forward to now XX/XX/XXXX XXXX we get a notification stating that the account is in collections and reporting open after they cashed the check and gave us title of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

please see attachment my name is XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ohio XXXX Hello, I am just responding back to your email. I understand that you have requested One copy of a government-issued identification card, such as a drivers license, state ID card, etc., displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name, including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years but when you have a moment, could you please update my credit report since you have my bankruptcy petition? Thank you for your assistance on this matter.
Product: Debt collection

I am a victim of aggrevated identity theft. I have not checked my credit report in years and was astonished to find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never ever authorized or entered a consumer credit transaction with neither XXXX XXXX nor XXXX  XXXX XXXX XXXX . 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was at XXXX 's dept store and applied for a store credit card. XXXX XXXX denied it, stating that I had a " security freeze '' on my credit report and instructed me to call TransUnion. I called while at the store, spent an hour talking to a rep who said that it would be taken off in XXXX or so, and when XXXX XXXX XXXX my credit again, it was still declined. So, I called back to TransUnion and was told tomorrow it should be off. So, the next day I went back to XXXX 's ( since I was spending about {$600.00} on purchases, I wanted to get the points perks ) and my credit was ran for a XXXX time and the alert was still on. So, I want all inquiries from XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX removed since the security freeze is still on there and I've been declined by XXXX banks for credit. Secondly, I'm demanding that the security freeze be taken off, because I don't recall ever having put it on in the first place.