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

Upon reviewing my Target XXXX card activity online on XX/XX/2022, I immediately noticed a fraudulent transaction that I did not take part in. Specifically, it was for a charge dated XX/XX/2022 in the amount of {$330.00}. I immediately contacted the business on XX/XX/2022 and spoke to XXXX XXXX to report the issue. Just to clarify, per the conversation, the current card number has been shut down and a new card number has issued. Additionally, the charge mentioned should be removed from my account. Lastly, the Target store that I last used the card for {$3.00} on XX/XX/2022 should be checked for skimming devices on the credit card readers. As it seems like a coincidence that two days after my Target in store purchase, my card number was fraudulently used online at Target.com.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or 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 of dispute outcomes. These failures align with my experience, were Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

hello on XX/XX/XXXX chime close my account because they say that i had mad to many deposit in my account i have work cleaning houses an my client paid me cash so i will deposit it into my account with chime so i want have cash on me so when my taxes went in to my account on XX/XX/XXXX they close my account on the XXXX  not letting me get my money out they told me to send in my id an lease my ssn an card a bill a copy of who sent me the money from a deposit an i did all of that im so stressed out that im about to lose my car be in the dark all this is my hard working money that i worked for an they want give me my money so i can take care of me an my child i been up crying trying to find ways for us not to be in the dark or for them not to come an take me an my child car it is so sad that they doing this to me an my child i just want to get my money from them so i can pay my bills
Product: Debt collection

XXXX XXXX keeps selling this Debt that was paid off. This is my second time disputing this with your company now they have sold it to a new debtor credit control and they emailed me telling me to send them {$340.00} and gave me, a website to log into I know nothing about this company. I never gave XXXX XXXX authority to sell a debt that I have paid off or to contact me. I contacted XXXX and told them to stop harassing contacted me. I told Credit the same thing, and I told him that I was writing the CFPB And the other three major credit bureaus with this complaint, I never told XXXX to sell distrib or grant them permission to give someone my email address, phone number or Home address and have them to have someone to contact me about this situation. I am highly upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and referenced documentation was disputed with   XXXX   in  XXXX     2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the    XXXX   XXXX   XXXX    and  XXXX  loans.  Information  was provided showing an open real estate account with  XXXX  that was not included on the report.    XXXX   XXXX   XXXX   c ontinued to report negative pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status. Currently  XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act
Product: Student loan

I hope this message finds you well. I am writing to bring to your attention an issue I have encountered with my student loan account. Currently enrolled in the Save plan, I was surprised to discover that I had been automatically signed up for deferment without my knowledge or consent. Despite being on the Save plan with a zero payment, I noticed that interest is accruing daily on my total loan amount. This situation is perplexing to me, as my understanding is that the Save plan should waive it once the scheduled payment is done. I urgently seek clarification on this matter, as the interest on my account has been steadily increasing. I previously called and spoke to Mohela staff, but unfortunately, their responses were contradictory. One representative mentioned that the increased interest is due to existing interest and that that is only happening on that, citing a figure of {$360.00}, while another suggested it was because of deferment, which I explicitly did not request. I requested to remove that, and she said it would be 5 to 7 days, but the other person said 30 to 45 days. I find it alarming that the interest has risen from XXXX to XXXX in just one month, a rate that seems implausible even with a 10 percent interest rate ( my interest rate is 5.05 % ). I am concerned and would like to request an explanation for this discrepancy. Furthermore, despite my attempts to address this issue through phone calls again, I have been unsuccessful in reaching Mohela customer service. After being on hold for an hour, I was unable to connect with a representative. I request their prompt attention to this matter, an explanation for the unexpected deferment, and clarification on the daily interest accrual. I would also like to be answered in written format, as the customer service staff gave me misinformation. Additionally, I would appreciate your assistance in waiving the accrued interest, as I did not request nor authorize the deferment. Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and resolution. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have experienced great mental hardship, and this account is stopping me from refinancing my home. I am in dire straits financially and I am attempting to handle this matter privately, now. 

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within XXXX  days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX  days and forward me the results. If this account can not be verified, DELETE this account from my consumer report. 

ACCOUNT : XXXX XXXX XXXX  XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( XXXX ) in question. This account ( XXXX ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be XXXX  % verified/validated within XXXX days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within XXXX  days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Student loan

When I've made extra payments on my loans, it never goes to the principal amount. I have two ( 2 ) loans with them. I have asked them to separate them so I can receive separate statements. They told me they are unable to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXXXXXX XXXX ) Account # XXXX, has violated my rights. 
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 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

The credit bureaus are publishing addresses and phones numbers I have no connections with in my credit reports. I have contacted all the credit bureaus about this issues time and time again, yet that information 's are still there.
Product: Checking or savings account

Ive gone into branches. Ive called customer support fraud, identity theft everything I can. I can not get transparency from them and for the bank to say if I believe I become a victim of ID theft they have every bit of evidence this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX XXXX {$2600.00} XXXX XXXX {$4000.00} XXXX XXXX {$10000.00} XXXX   XXXX {$2600.00}
Product: Vehicle loan or lease

I paid off my loan with Ally Financial on my XXXX XXXX. I had an extended warranty on this vehicle. The warranty company sent a check to Ally Financial in XXXX and again in XXXX. The check is for {$5800.00}. This is an overpayment!! I have yet to receive my check. I have called Ally several times and each time they are telling me that it takes 1-2 days for the check to approved. They are holding my money and have been for months.
Product: Vehicle loan or lease

I'm in a very bad hard ship after my wife passed away not bank breaches the XXXX they called when they did not give been working with them on my hard ship the sent a guy to my home very rude demanded the keys I told him I wanted to get my stuff out he got in my face and told me to hand over the keys he took my keys rolled the windows up before all this happens I told him your not taking my car I said I was going to call XXXX got told we are in the right you don't have rights I had to buy a code beforiloose my job home I've been sued I have a hard ship I can prove in court the car has Gap insurance on it iwas told we are obeying the law when they breaches contract I know I have rights I can not afford to repay this loan they did tell me on a recorded line XXXX a month then they said I didn't say that I need help in this matter they also stated bankruptcy will not help you it will not take care of past due amount I know for a fact it does they stated it don't work like that
Product: Credit card

Chase credit card was used to purchase items from online retailer XXXX. The items were returned. 

XXXX fraudulently claimed : ( i ) certain items were not returned, and ( ii ) send one item back claiming it was damaged. 

In response, I provided Chase with : ( i ) shipping labels and tracking numbers confirming the returns were delivered to XXXX, and ( ii ) brought the item with purported damage to the manufacturer who provided confirmation in an affidavit the item had no damage. 

Chase declined to review the evidence and passed through the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When is TransUnion going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX : {$8300.00} Date Opened : XX/XX/2020 - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX Balance Owed : {$0.00} - Please give proof that my privileges have not been suspended and that this account should be shown on my credit record. Otherwise, delete this detrimental information right away. 

XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} - You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX XXXX Balance Owed : {$0.00} On my credit record, you have shown a DELETED account from another bureau. FCRA mandates that reporting be entirely truthful. Please delete this detrimental information right away. 

XXXX XXXX Balance Owed : {$0.00} - My credit report contains information on a DELETED account from other bureaus. The FCRA requires complete accuracy in reporting. Please promptly delete this detrimental information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( EQUIFAX, XXXX, XXXX ) And all secondary Credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX, and XXXX is violating consumer law by reporting late payments on my credit report, which is violating consumer law 15 U.S. Code 1666b- Timing of Payments. I would like for them to stop violating the law and follow my U.S. consumer law rights established by the U.S. congress.
Product: Mortgage

Contacted loan service Specialized Loan Service XX/XX/XXXX and XX/XX/XXXX. Current in forbearance want me to will end XX/XX/XXXX. They want me to pay {$23000.00} all at once or move out, or they will start the foreclosure process. I am a Veteran, age XXXX XXXX XXXX XXXXXXXX XXXX XXXX and a XXXX patient. President Biden and Congress has announced a plan to help Veteran even if they don't have a VA Loan. The Palm Beach Mortgage Assistance Program sent them a check for {$9200.00} and they sent the check back to Palm Beach Housing Assistance. 

PLEASE HELP!!!! Deadline is XX/XX/XXXX. 

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

XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EdFinancial has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with EdFinancial. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

I have multiple inaccurate and unauthorized names and inquiries that I did not initiate or utilize on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX Everything else is unauthorized.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support XXXX XXXX XXXXXXXX, Attorney General Child Support XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Checking or savings account

Chase is a very bad bank for me, I called them many many time to send me a debit card and transfer money to XXXX XXXX. They refuse to send me a debit card, I really need my money to buy food, pay apartment booking etc. Chase is not human being to me, they just like animals to me. They want to control my money, they are very bad to me! Very bad customer service to me!
Product: Checking or savings account

Asked for assistance in recouping a payment that was a result of a transaction with a company that turned out to be fraudulent. They said they were unable to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crazy, it doesn't take 5 months to fix my account
Product: Credit reporting or other personal consumer reports

Once I connected on phone-lady said to ignore it because possibly the wrong address. 
second try to contact a man would not send the information by certified mail to check SS #, signature, address, and loan info on loan company. The man wouldn't identify himself only to state that I owed XXXX and when was I going to pay it. The man stated that I received the loan in XXXX, and spoke to them in XXXX promising to pay XXXX ; XXXX as a settlement. I am in the automobile business and was on unemployment in XXXX & XXXX. No company is going to loan that much money with no job! The man said the funds came from XXXX. I asked him on 3 occasions and he repeated XXXX witch to my best guess is XXXX XXXX XXXX XXXX??? The biggest problem I am currently trying to refinance my home. there is no need to tell you that the finance company is giving me all kinds of grief. The last piece of info is my wife and I did a complete credit report search 2 years ago and this is a total surprise and disgust that people are trying to get what is not theirs.THE Company involved is XXXX in XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

WELLS FARGO BANK, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that 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 and consumer credit plan as late for any purpose.