23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a XXXX year old XXXX recipient through the US Treasury supported XXXX XXXX Card.  In XX/XX/2017, my debit card was stolen and the fraudsters stole over {$1200.00} from my much needed balance in a matter of two days. Their spendings were clearly on vendors and items that Ive never used before. Due to my old age, I have had my son serve as my fiduciary and has a legal power of attorney to handle my affairs for years now. He called and cancelled the card through XXXX XXXX within two days of the card being lost. However, when we filed the claim with XXXX XXXX, they rejected the claim because my son, who serves as my fiduciary and legal Power of Attorney, had the card ( along with all my other cards ) in his possession last when it was lost. XXXX XXXX says in their denial letter that they are denying the claim in accordance to Federal Regulation E which governs Electronic Funds Transfers : If a consumer furnishes an access access device and grants authority to make transfers to another, such as a family member or co-worker, who exceeds authority given, the consumer is fully liable for the transfers unless the consumer has notified the financial institution that the transfers by that person is no longer authorized. 
They are insinuating that my son is the one who spent the money but he and I have filed a police report ( to exonerates him ) and a simple look at the transaction will show the bank the transaction are done with vendors that we have never used and did not require a PIN. It is shameful for a company ( XXXX XXXX ) that the Treasury department refers its recipients to will to this low to prevent a XXXX year old from accessing this much needed cash. Every other bank weve filed a claim with has always simply refunded the funds while conducting their investigation. The company that should be more friendly to their aged and helpless customers is the one who declines the claims. This money has been outstanding for nearly a year and we dont know where else to turn to. Ive called repeatedly to their fraud department at the number provided on the Denial letter and they havent returned not one phone call. Please please please help us retrieve my much needed money.
Product: Debt collection

i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.
Product: Credit reporting or other personal consumer reports

I have previously opened up disputes with Transunion, Equifax and Experian as well as the creditors listed below in regards to accounts reporting information under my name in which I have no knowledge of. I've requested for the this information to be verified and I don't consent to e-oscar. These creditors have yet to provide me with the alleged account XXXX XX/XX/XXXX amount {$300.00}, FB & XXXX XX/XX/XXXX XXXX {$0.00}, XXXX XX/XX/XXXX amount {$170.00}, XXXX XXXX XX/XX/XXXX amount {$200.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX {$610.00}, XXXX XX/XX/XXXX {$300.00} XXXX XXXX  XX/XX/XXXX amount {$200.00} and XXXX XXXX  XXXX XX/XX/XXXX amount {$1500.00}.
Product: Credit card or prepaid card

In XXXX of 2021 I applied for an American Express XXXX XXXX through their website ( reference # XXXX ). After giving my social security number and other required information, later discovered I was denied am extension of credit. 

When calling and asked why they stayed XXXX furnished information that proved American Express to deny me. I expressed that XXXX is furnished information that I have no consented to. However, that did not change anything.
Product: Credit card

I paid some bills yesterday from my Bank XXXX XXXX XXXX ( routing # XXXX, account # XXXX ) yesterday XXXX XXXX. I intended to pay my Mortgage XXXX ( act # XXXX ) for {$2200.00}, but when I checked today on line, by bank XXXX XXXX XXXX instead paid my Discover Card ( account # XXXX ) with a confirmation number XXXX. I called DiscoverCard today, talked to a XXXX in Billing department in Delaware, and XXXX said 1 ) she has no record of ever receiving the {$2200.00} and 2 ) that there was nothing that she could do. In other words, the {$2200.00} vanished into thin air!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i am disputing an inaccurate and incomplete item on my credit report with TRANSUNION, XXXX, AND XXXX, they are all reporting different information on each report which is a violation of the FCRA, 15 USC 1681e ( b ).

It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. since its not 100 % accurate and complete it needs to be deleted from my credit report. 

i have attached exhibits from each website with my letter for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit card

XX/XX/year> Amount : {$1000.00} Action Steps Taken : XXXX. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the credit card I asked for clarification on the reason for the credit card and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the credit card, including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding credit card under state laws to ensure proper procedures were followed by the lender. 
XXXX. Followed Up : I followed up with the lender on XXXX to confirm receipt of my request and to seek updates regarding the next steps.
Product: Student loan

Approximately in XX/XX/XXXX, I knew that my student loan repayments were going to begin in XX/XX/XXXX. I decided to make an early payment and set up auto-payment through NelNet. I visited the website and attempted to make my first payment in XX/XX/XXXX and set up my auto-debit payment account. In XX/XX/XXXX, I received an email from NelNet stating that a certain amount was going to be taken from my bank account. After they took a certain amount from my bank, I received another email stating that they were going to remove another amount from my bank account. I was confused on why they were going to be taking from my bank account twice. They said that their system default does not necessarily make all payments deductions on one day. I was confused on what my monthly minimum payments was. Even though I was speaking to the representative, she could not give me a straight answer. I asked her to please make all my monthly payments due on one day and she confirmed that she would. On XX/XX/XXXX, I contacted NelNet requesting that my payments be due on the XXXX of every month. The representative stated that the amount due on XX/XX/XXXX was already processed and that could not be changed. I said that was okay, but please starting in XX/XX/XXXX, to please change the due date to the XX/XX/XXXX. I was told that the next auto-payment would be processed on XX/XX/XXXX. So a total amount of $ XXXX was taken from my bank on XX/XX/XXXX. But then I received another email on XX/XX/XXXX stating that the same amount of $ XXXX was going to be processed on XX/XX/XXXX. I immediately called NetNet informing them that this was a mistake. The representative confirmed that the system noted the next payment was supposed to take place on XX/XX/XXXX, but for some reason they could not do anything about the amount being processed on XX/XX/XXXX. They said they could not do anything about it.
Product: Debt collection

I have sent 2 certified letters requesting validation and verification of the debt they are harassing me about. We have NO contract. Their lack of response proves it. 

I was sent another harassing letter dated XX/XX/2023 after being ignored. 

They are in Default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using XXXX or third party per XXXX XXXX Trans Union, XXXX ( XXXX ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.
Product: Credit reporting or other personal consumer reports

I noticed some incorrect information on my credit report, which falls under the regulations of 15 USC 16c-2. These inaccuracies are affecting my credit score, and I did not authorize the inquiries listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be deleted immediately. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. Please remove the following inaccurate items in my report : 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

Those accounts are not my accounts
Product: Mortgage

Gave personal information to run a credit check. Told me they would contact me in ten minutes. Never called back, unable to reach anyone on the phone number they provided. 
I am concerned this maybe fraud.
Product: Student loan

On Friday, XX/XX/2024 XXXXXXXX XXXX I emailed Navient at XXXX XXXX XXXX  for an application for school misconduct discharge application. 

On Monday, XX/XX/2024 XXXXXXXX XXXX they emailed me back with this information, Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 



I have never refinanced this Student Loan, that's one of my main complaints about this loan. Being the school that I went to is no longer in service and has been found guilty of a lot of mishandlings they are not on approved lists to get refinanced, so I am and have been and will be forever locked into the high interest variable rate for this Student loan that I was locked into 16+ years ago ( and still have 15+! more years left! ). The response I was given wasn't accurate to my loan. 

I have since printed out the application supplied by Project on Predatory Student Lending and filled out a paper version and have submitted. I am hoping they will take it since they didn't supply me with it and take my account into consideration because the reasoning they gave me in response to my email asking for an application is not accurate at all.
Product: Checking or savings account

On XX/XX/year> I visited a Truist branch location, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, to open a new account. I provided the teller with all identifying information to process opening an account and deposited an initial amount of {$300.00} Cash. I traveled out of the country the following week for a XXXX week vacation and was informed by my employer that " something was wrong with the account information I provided and needed to provide a different account. '' Upon my return I called the number listed on the app of the " Locked Account '' and was told I must contact the Fraud department and provided me with the number. I called several times and no one was able to tell me WHY the account was locked or WHY there was fraud. I was sent a letter from Truist that any funds in the account would be returned to me within ten ( 10 ) business days. However, I never recieved the funds. I called both the customer service lines, the fraud line and visited MULTIPLE branches in my area multiple times a week for over an year and noone is willing to assist me to retrieve my funds. Here we are going into the SECOND year and NOTHING. Still visiting multiple branch locations, calling the customer service line and fraud line. I just want my money back.
Product: Debt collection

XXXX XXXX XXXX - PARAMOUNT RECOVERY SYSTEMS Original Creditor Name - XXXX XXXX XXXX Date Assigned- XX/XX/XXXX Amount Owed- {$1000.00} Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Date of first delinquency - 11/13/2022 15 U.S. code 1692c. Communication in connection with debt collection.

The Law clearly states : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer
Product: Debt collection

I was just awarded my home in a recent divorce. I had to refinance in my own name to be able to obtain a mortgage. I was notified by email from the lender that there is a judgment/lien on the property. I called the county clerk 's office who notified me that there was a judgment. I then contacted the court where the judgment was made and they subsequently told me the nature of the claim, I discovered that this debt belonged to my son for unpaid car payments and repossession. 
They had his address listed and his identifying information but they put a lien on my residence because he shares the same name as my ex-husband. I explained all of this to the collector XXXX, who said that it happens all the time but they were not going to do anything to rectify the situation. My son and ex-husband have different birthdays, social security numbers, and middle initials. They even had my son 's address listed on the court documents. They were fully aware that these were not the same people. My son was XXXX years old when we bought the house. 
The judgment was entered on XX/XX/2023 in the amount of {$3800.00}. The business is XXXX XXXX XXXX XXXX. The debt collector is Lacy Katzen LLP. I spoke with the collector this afternoon on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX XXXX Bank XXXX. - Ending with XXXX XXXX XXXX - Ending with XXXX XXXX - Ending with XXXX XXXX - XXXX with XXXX XXXX - Ending with XXXX
Product: Credit reporting or other personal consumer reports

Date : XXXX To : Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Violations of U.S. Laws Dear Equifax Representatives, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under U.S. law regarding the accuracy and protection of consumer information.

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfers

Hi I used Paypal to purchase eyelashes online from the individual named XXXX XXXX from XXXX on XXXX/XXXX/2016. However after repeated attempts to contact the seller and try to get status of the shipment, I still did not receive my goods. I wanted to dispute the transaction on Paypal but could n't and received the error saying " We 're sorry, but this transaction can not be disputed because it is not a purchase of goods or services. Please contact the recipient directly. '' However I could n't contact the seller, XXXX at all. I just want my money back at this point so please help me! 
Thanks!