23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Other Than Medical XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX These are Fraudulent Inquiries that I've never authorize, nor did i give permissible purpose and I've attempted to dispute these inquiries with the credit bureaus. I've filed a police report to report this as well as Contacting the creditors themselves.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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

There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX XXXX. The information is incorrect.
Product: Credit card or prepaid card

A Netspend Debit Visa associated with XXXX XXXX XXXX was purchased XX/XX/XXXX for a granddaughter 's XXXX gift. When she attempted to use the card, it wouldn't work. She then attempted to make sure the card was activated and when she contacted the company - using the number indicated on the back of the card, the person helping her asked her for personal information and being young, unsuspecting and inexperienced with the need to NOT give out personal information, she complied, at which time, they promptly hung up on her. She brought this to my attention today which is XX/XX/XXXX. I, myself, have made multiple attempts to reach someone associated with the financial institution - both Netspend and XXXX - to no avail. The prompts will not allow me to connect with a human and it keeps asking me to enter my social security number. I retired from the State of Texas Criminal Justice System and are well aware of the scammers and crooks working their plans and to never give out personal information. My granddaughter is XXXX XXXX XXXX and now we are going through the hassle of contacting the different credit bureaus to make them aware of the situation and hopefully head off any identity theft or creation of credit in my grand 's name. How can you help us with this situation? Thank you for your time.
Product: Debt collection

Credit ninja has employeed a company identified as XXXX, phone number on caller ID is XXXX, in the voicemail they are leaving the last XXXX of my social. On XX/XX/year> before their first contact with me they called several of my children, then they called me and I answered and verified the it was me and that this was the correct number to reach me. In the coversation I also stated that I would like everything sent to my house, the person got short with me and started telling me they would email it to me. I refused the email and ask for it on paper. There was an impass and I hung up. Today XX/XX/year> they again called all of my children and then my wife then my phone and then my work. I told them very clearly not to call me at work. The person idetifing himself as XXXX XXXX stated that I would have to speak to leagal in order for anything to happen inclduing them to stop calling my family or my work. I then spoke with their legal team and ask the same and told him to not call me at work he became upset and told me he would call whenever and whoever he wanted to. I asked if I should get my attorney involved and he started laughing stating that how could I have an attorney if I had to get a payday loan. I asked him since he was with " legal '' what his BAR number was and he continued to make jokes about me having a attorney and needed a payday loan. I told them they had my number and that was the only one to contact me, his response was he would just tell the creditor that they could send the uniforms in to my work and they could give me the papers. This felt half scam and half just plain bully behavior to try and get me to tell them to take me to court. Further more I am almost positive that I already paid a collection agency off for my loan with credit Ninja. Very preditory and very scam like behavior across the board.
Product: Checking or savings account

Reference complaint : XXXX Walked in XXXX XXXXXXXX XXXX branch for deposit. 
Identical issue arose a few month prior. After completing the routine deposit and exiting the branch lobby. 

A XXXX branch employee performed mind hack gut punch, upon exiting the location. With the exception it is believed to have been the female employee. 

My back was turned away from the counter. Therefore, it was difficult to tell who performed the act. 

XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was stunned to see accounts that dont belong to me. I have no idea how this couldve happened. Everything was fine the last time I looked, and now these errors have just appeared. I tried refreshing my browser over and over, hoping it was a mistake, but the inaccurate accounts stayed. XXXX pleading for someone to review my documents thoroughly so I can have peace of mind.
Product: Credit card or prepaid card

Back in XXXX of 2020 I initiated a debt management program through XXXX and included my JPMCB card with a monthly payment of {$530.00} to pay off in 5 years. After 3 months I realized I could not make that payment along with the additional {$600.00} for the other creditors. XXXX has taken JPMCB out of my debt mgmt program and suggested I work with JPMCB directly to negotiate a longer pay off period to lower my monthly payment. I have made several calls and they tell me I do not qualify for any of their programs to lower my payment. I am currently paying {$220.00} per month directly to JPMCB which covers the interest on the balance plus {$25.00} towards the balance. When I am once again able to pay more I will. In the meantime I would like for this to not ruin my credit. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DIDN'T RECIEVE ANY RESPONSE HOWEVER, SOME OF THE ITEMS THAT I REPORTED WERE DELETED AND SOME WERE NOT. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Debt collection

Dear CFPB, Under my private rights of action and administrative process I want to report that Clear Recon Corp. Debt Collector and Foreclosure Trustee has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. I never contracted with Clear Recon Corp at any capacity and have never had any business relationship verbal or written. 
In addition, I want to inform Clear Recon Corp that the XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, corresponding to my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX were created without my authorization and through identity theft of my personal and private information. 

The Second Notice of Fault in Dishonor and Opportunity to Cure was served to Clear Recon Corp.on XX/XX/XXXX Certified Mail # XXXX XXXX. 

The Third Notice of Default in Dishonor, Discharge of Obligation to Pay Instrument was served to Clear Recon Corp. on XX/XX/XXXX including my Notarized Affidavit of Non Response Certified Mail # XXXX. 

Fourth, you will find a notarized Affidavit of Non-Response from XXXX XXXX XXXX served to Clear Recon Corp.on on XX/XX/XXXX Certified Mail # XXXX. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 


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

Disputed Inquiries though disputes these DO NOT BELONG TO ME REMOVE IMMEDIATELY
Product: Debt collection

FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX
Product: Student loan

As of today 's date, the amount on my Parent loans is approximately {$36000.00}. The original loans totaled {$21000.00} without interest. The interest accumulated is $ XXXX ... only {$6000.00} shy of the amount loaned! At the time I incurred this debt on behalf of my twin daughters, our household income was {$90000.00}. Now, due to an unforeseen layoff, I qualify for a {$0.00} payment due to my income level from work which is, and will remain {$0.00} since I am XXXX and can not secure work. However, rather than reapplying each year for ( IBR ) or pay as you earn or ( ICR ) until death, it was and is my desire to renegotiate the terms to settle this loan. I tried with the Dept. of Education through both XXXX and now Nelnet to settle my debt by either paying the interest or the original balance or a small portion of what 's due rather than nothing at all and then being forgiven through special circumstances or with President Trumps forgiveness of loans after paying {$0.00} on them after 15 years which would put me in my late XXXX. I know others have renegotiated terms but only after they 've defaulted on their loans ... something I will not do. I want to repay my debt and find it difficult to believe that they 'd rather have me take bankruptcy or be in default so that they 'd end up get nothing rather than renegotiating terms to settle and at least get a portion of what is owed to them. I am willing to pay the initial amount borrowed ; surely they are in a position to waive all the thousands of dollars of interest accumulated up to this point ... from the year XX/XX/2008. We have been at this for a couple of years trying to work with Ombudsmen who have no authority and other agents who have even less with no resolution. I hope you can help. Thank you.
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 {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation 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 systematic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Hello my dear, sir and madam. In XXXX of XXXX. There was a huge amount of fraudulent transactions on my checking account. Before the fraudulent case my checking account had {$820.00}. I had a overdraft account with them that I only used for emergency purposes and a few credit cards that was all in good standing. I was calling Santander bank multiple times and they did nothing. I even sent them emails but got no response. I was so busy with work that I couldnt go to the branch but I finally when on XXXX of XXXX. When I went there they made a fraud case investigation. The bank also transferred money from my overdraft account to my checking account to support the fraudulent transaction and never gave me a reason why they did it. They transfer {$1400.00} without my permission. They told me that my checking account was no good and they had to close the account and I had to pay {$690.00} then they would finalize the case investigations. Then I made a new checking account and I was still working. All the money I made was being direct deposited into my new checking account. After 2 months of the case investigation, I got a mail from Santander bank saying that they couldnt accept the case investigation claims because the fraudulent transactions happened more then 60 days. They took so long to resolve the case that they denied it and blamed it on me. On my new checking account I was saving money so I can pay back my creditors. Due to the fraudulent transactions that happened on my checking account, I couldnt pay to the creditors. After a few months of working I saved up {$1100.00} and starting to pay back my creditors. The bank didnt give that money to the creditors. They took that money that I paid, they didnt return it back to me and charged me {$35.00} for every payment I made to my creditors. While I was saving up money I was also paying off the overdraft and I paid {$800.00} to the overdraft account. Then they closed my second account and took all my money. They gave me no explanation as to why they closed my account. Ive trust this bank for so many years and they ruined my trust, credit, and my life. I really need help with this bank. Please do as much as you can to help. Thank you and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA- They did a hard pull on XX/XX/2018. XXXX XXXX XXXX says 1. CBNA-CITICARDS CBNA Ibs Cdv Disputes XXXX XXXX, SD Affected by natural or declared disaster I have not idea what this is? as we did not open a new account with CITI or applied to a new card.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Dear XXXX XXXX. 

I am writing to you in regards to unsatisfactory resolution on the above mentioned disputed item on my M & T Debit Card. 

On XXXX XXXX, 2016, I attempted to make a purchase with XXXX. The transaction was declined for insufficient funds ( copy of decline enclosed ). A few days later, when reviewing my account online, I noticed the charge had posted to my account. I immediately contacted your Call Center and filed a dispute against the charge. I was issued a conditional credit while the investigation was conducted. On XXXX XXXX, I received a letter from the Disputes Department asking for supporting documentation, which was provided and immediately returned. 

On XXXX XXXX, I received a letter advising the dispute and been reviewing and was placed in the favor of XXXX and the credit was reversed on XXXX XXXX. That same day I contacted your Customer Service Group XXXX to discuss the transaction. I first spoke to a Representative, XXXX and finally had to ask for a Supervisor, XXXX. XXXX advised they would work with XXXX from the " Back Office '' and for me to also contact XXXX, this call lasted for XXXX minutes. Following his instructions, I contacted XXXX at XXXX XXXX ) XXXX and spoke to XXXX, which was a Call Center in a XXXX Country. She indicated an Account Specialist would contact me to resolve my issue. I received, the enclosed form, which had no bearing on the purpose of my contact. 

On XXXX XXXX, I once again contacted your Call Center and spoke to XXXX, a Rep and then to XXXX, a Supervisor, and finally to XXXX another Supervisor. XXXX advised me that this case is closed with M & T and that there is nothing that the Bank can do to help me with this issue. As I have indicated to each person I spoke with, I received a decline letter and no merchandise was shipped to or signed for by me at my address. I work for XXXX XXXX, Monday through Friday from XXXX until XXXX and your Disputes Department indicated I signed for this package. I am a single person living in a single family Home. I have asked for that " signature '' to be compared to my Signature Card on file with the Bank, and no one wants to take ownership for this issue. I ca n't absorb this {$1100.00} and subsequent Overdraft Fees that have occurred. I work very hard for my money day in and day out and other transactions, Utilities and Insurance Premiums have been returned and OD Fees charged to me as a result. 

I spoke to a friend over the weekend that works for XXXX XXXX XXXX XXXX and she indicated that this could be returned to XXXX as a " Good Faith Collections '' item?!?! 

I am looking for your personal interaction to please help resolve this issue and plead for mercy. 

I have been charged XXXX indvidual NSF @ {$38.00} for this transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Equifax about unauthorized inquiries & accounts on my credit report with proper identification. 
After speaking with a representative by phone I was instructed to send an FTC Report with my letter and identification in order for them to be removed. 
XX/XX/2022, I sent another dispute letter with an FTC report about the existing unauthorized inquiries that were still present on my credit report. 
In XXXX of XXXX, I spoke to another representative and was instructed to insured that the inquiries were listed in the " Accounts Affected '' column of the FTC Report to have them removed. 
On XX/XX/XXXX, I sent an updated FTC Report, proper identification, a letter instructing Equifax to remove these unauthorized inquiries from my report, and their duties as a consumer reporting agency under 15 USC 1681 and they still have not done so. Equifax has stated that the information has came back as verified but not given exact information or communication that was given to prove it was actually verified. They have had a history of not really reinvestigating the information furnished on reports after being disputed and I am suspecting fraudulent activities on their behalf.
Product: Money transfer, virtual currency, or money service

I used my XXXX account to send money to my chime bank account. Because my name did not exactly match the name on my XXXX they held my funds. They requested documentation they were aware I didnt have but I did provide alternate documentation as well as enough information to prove beyond a reasonable doubt that I had ownership over both accounts.
Product: Credit reporting or other personal consumer reports

I am showing four different student loans on my credit report. Please remove the following loans from my credit report. 
U S DEPT OF EDXXXX {$1500.00} U S DEPT OF ED/XXXX  {$1900.00} U S DEPT OF EDXXXX {$640.00} U S DEPT OF EDXXXX {$640.00}
Product: Bank account or service

On XX/XX/2015 my wife and I were alerted by a Chase alert that we had a very low balance in our checking account. On calling back, a Chase representativeinformed us that Chase had already advanced us money to pay off these checks. The account was frozen. On going to a Chase branch on XXXX XXXX, 2015 we reviewed our account with the rep and noticed, besides the XXXX checks where someone fraudulently signed my name to people I do not know, a telephone transfer was made on XXXX XXXX which removed the money from the savings account and transferred the funds to our checking account. Neither my wife nor I authorized the transfer nor were we aware that the transfer occurred. The rep investigated further and found that the only information provided, which allowed the transfer to occur, were the routing and checking account numbers and our names. We are submitting this claim against Chase for allowing XXXX fraudulent checks to be cashed and a telephone transfer to occur without asking any security questions which my wife and I could have answered and the thief or thieves could not. We feel that if Chase had been more vigilant, and asked the right security questions, this fraud would never happened.