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

On XX/XX/XXXX I had to visit the hospital due to an illness, I was retained in the XXXX until XX/XX/XXXX. Upon departing the hospital I checked my US Bank Relicard, and noticed there were several charges I did not conduct. These charges were at a XXXX And XXXX XXXX and XXXX bill, all of which were not near me. There were also some ATM Withdrawals. My wallet was stolen with the card, and I do not know whom stole it. I did not realize it was stolen until I left the hospital since I was in the ICU. US Bank asked me to send in a signed " letter or statement of dispute upon waiting for their statement of dispute to arrive in the mail '' I did send a statement of dispute and evens on XX/XX/XXXX. Then subsequently received the forms on XX/XX/XXXX and XX/XX/XXXX after calling AGAIN to see where the forms were. I wrote exactly what happened. There were two additional charges for XXXX, and these XXXX Trips were for me to go to and from the hospital. This didn't require me to type in a card number because the card was already saved on this app. So again, I was not aware my card had been stolen. US Bank when I called back on XX/XX/XXXX I was told they investigated my " Fraud Claim '' on XX/XX/XXXX and XX/XX/XXXX and determined no error occurred and that they " Verified '' I or someone was authorized by me to make these transactions and that they benefited from the transaction. This not only is false, Especially since I was in the hospital and these MERCHANTS ARE IN XXXX OKLAHOMA. 2 Hours away from me. I do not own a car and would not have been able to make it to this location while in the hospital. It's not possible to be in two locations at once. Again I never authorized these transactions, nor Did I receive any benefit from these transactions I was in a hospital in XXXX, TX. These transactions occurred in XXXX, OK. I do not believe this was properly investigated and XXXX belief US Bank quickly rushed this out so they did not have to refund the money that was stolen from me. This is beyond frustrating. 
XX/XX/XXXX ATM Withdrawal {$360.00} - ATM Says in XXXX OK, XXXX. Again Different state. 
XX/XX/XXXXXXXX XXXX {$10.00} - California XX/XX/XXXX ATM Withdrawal {$20.00} XX/XX/XXXX XXXX XXXX {$20.00} - Us Bank had to send second dispute form after they missed.. 
XX/XX/XXXX ATM Withdrawal {$140.00} XX/XX/XXXX ATM Withdrawal {$100.00}. 
XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$10.00} XXXX Ok XX/XX/XXXX XXXX # XXXX XXXX {$230.00}
Product: Vehicle loan or lease

Capit al One Auto Loan is a bad decision. I fell into hard times but still paid my car note. I had car insurance got into a auto accident, and the car was deemed totaled. Capital One still to this day h as this car showing as a repossession on my credit report when that is inaccurate. When a car is totaled the insurance company pays the car off, which in turn is why this car should not show as a repossession on my report it should show as paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS LYING ABOUT THEIR RESPONSE BELOW. THEY ARE SAYING THAT THE CREDITORS XXXX XXXX HAS NEVER REPORTED THE MAILING ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. LOOK CLOSE TO THE DOCUMENTS IN THE UPLOAD WERE XXXX XXXX SENT ME A RESPONSE LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX. Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. THE ADDRESS SUPPLIED IN YOUR COMPLAINT HAS NEVER BEEN REPORTED TO US PREVIOUSLY BY ONE OF  YOUR CREDITORS ( THIS IS NOT TRUTH, EXPERIAN IS NOT PROPERLY INVESTIGATING THE MATTER PLEASE SEE WERE THE COMPANY XXXX XXXX SENT ME A LETTER TO THE ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPLOADED IN THE DOCUMENTS TO VERIFY MY CLAIMS AND FACTS THAT THE XXXX XXXX  HAS USED MY ADDRESS AND REPORTED IT TO THEM ). In order to assist you, we must first verify your current delivery address. Please send two items that verify your current address, with one of those being a government issued id, along with your specific disputes or request for a credit report, to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Checking or savings account

Account number : XXXX I opened an XXXXXXXX XXXX Smartly checking account using the promotional link right on the XXXX XXXX website which promised to pay the bonus after meeting certain conditions, which have been long met. Origionally this offer was till XX/XX/year>, but then extended through XXXX XXXX. I opened an account on XX/XX/year>, well before the expiry date. ( I had saved terms and conditions which are attached here ) In this case, I didnt have to input any promitional code, as there was a XXXXXXXX XXXX XXXX, all one had to do was to use the link and open an account using the link and then it was supposed to do whatever needed internally to pay the reward when the conditions have been met. 

I have talked to two reps right after the account was opened and made sure the offer had been applied properly. They said, dont worry we will put a note. The front line service reps dont know this offer was extened till XX/XX/year> and there is always not a code that one has to put, sometimes the code is embeded in the hyperlink. 

In anycase, I opened the account well before the deadline using the proper link and met all requirements to recieve the bonus. The internal XXXXXXXX XXXX confusion/glitch is preventing automatic system to pay this bonus.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXX Department XXXX Equifax XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to Gramm-Leach-Bliley Act ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, Experian/Equifax/TransUnion. This dispute is made under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with XXXX XXXX XXXX. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the Gramm-Leach-Bliley Act, I am requesting that [ XXXX/Equifax/XXXX  ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX PORTFOLIO RECOV ASSOC {$1400.00} XXXX
Product: Credit reporting or other personal consumer reports

I notice unauthorized accounts on my credit reports in XX/XX/year>, indicating misuse of my social security number for personal gain. The Accounts are : XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) XXXX. XXXX Account number ( XXXX ) I disputed these accounts with both Experian and XXXX ( the data furnisher ) to no avail. To cover all bases, I sent a letter of validation to XXXX  certified mail asking them to validate the accounts in question with no response. Because I knew that Experian would come back with XXXX stating that the Accounts was verified. And I know that they weren't. I requested that Experian block this information in my credit report due to identity theft and they refused. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So PLEASE remove these accounts! The FCRA, under 15 U.S.C. 1681, mandates that consumer reporting agencies ( CRAs ) implement reasonable procedures to meet the commercial needs for consumer credit information in a manner that is fair and equitable to the consumer, with respect to confidentiality, accuracy, and relevance. They are also in violation of FCRA 15 U.S.C. 1681b permissible purpose. I never gave neither Experian nor XXXX written instructions to furnish any information on my consumer report. So please do your due diligence. I have attached my ID, a bill for proof of Residence over 2 years, and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, have XXXX XXXX an Navient listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my Navient accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The dispute is with PAYPAL CREDIT/SYNCB, XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX - XXXX. Account number XXXX XXXX XXXX XXXX, On XX/XX/XXXX, PAYPAL withdrew {$740.00} from my checking account. This transaction was not authorized. The charge on my checking account showed up as follows : XX/XX/XXXX - {$740.00} PAYPAL CREDIT - Paid with XXXXXXXX XXXX XXXX XXXX - Transaction ID XXXX. 

I request that the {$740.00} be returned to my XXXX XXXX, XXXX checking account. 

PAYPAL has been contacted via XXXX XXXX on XX/XX/XXXX with no response. 

XXXX XXXX XXXX was contacted XX/XX/XXXX & stated they would have to place a Hold on my checking account for up to 90 days to dispute the charge, but that is unacceptable for me to continue to pay bills online, etc,,, I appreciate your time & assistance in the resolving this dispute. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Product: Mortgage

SLS charged me a {$71.00} late fee on a ~ {$100.00} shortage on my mortgage payment. My overall payment went up after an escrow shortage and I was set up on Bill Pay rather than ACH. I had attempted to set up ACH multiple times in the past with no luck as I was always told the website was down or received a tech error when attempting it online. Most recently I could not have set up ACH due to no one answering the phone during COVID. My total Payment went up in XXXX and I was short approx {$100.00}. SLS assessed a full {$71.00} late fee. That's a 72 % late fee. If that's not excessive, I don't know what is. Not to mention it was assessed during a global pandemic when people are in the midst of financial hardship and stress. SLS did not answer the phone when I tried to call in before this to switch to ACH due to staff shortage during the pandemic. We were expected to be patient with them as they adjusted to the pandemic. All I am asking for is the same courtesy here and not to be assessed a 72 % late fee during a global crisis when they couldn't even sufficiently staff their reps to assist with ACH and payment related questions.
Product: Credit reporting or other personal consumer reports

This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays reported my credit card payment delinquent for XX/XX/XXXX for a missed payment on XX/XX/XXXX. On XX/XX/XXXX the reported to credit bureaus that I was 30 days late on my past due payment for XX/XX/XXXX. This was not 30 days, it XXXX. Further XXXX, XXXX and XXXX XXXX the 30 day delinquent pay for XX/XX/XXXX when we are still currently in the month of XX/XX/XXXX. Thus, this does not indicate the payment being 30 days past due. Further more on my XX/XX/XXXX statement, there is no indicated past due amount. Furthermore on my XX/XX/XXXX Statement it reflects my past due payment amount is due XX/XX/XXXX. If I have until XX/XX/XXXX why was my account marked as 30 days past due? And why did XXXX, XXXX and XXXX allow for something to be reported 30 days late in the same month that the payment is late in?
Product: Student loan

In XXXX, I received an email from Nelnet stating that my unsubsidized student loans were receiving a subsidy that they were not eligible for and that they had " corrected '' the error. The new amount was shown along with the {$12000.00} of accrued interest they had added. As I was unable to look into this further, I did not realize what was happening with my student loan balances until I began to really focus on my credit and clear up any and all inaccuracies on my credit reports later in XXXX. After getting my credit report completely cleared up and removing most inaccurate information, the only ( and largest ) inaccuracy left was the balance ( s ) showing for my student loans. Somehow, when the loan servicer changed from XXXX XXXX XXXX to XXXX  XXXX, to now Nelnet, the balance of about {$40000.00} ( a total of {$29000.00} in unsubsidized AND subsidized student loans taken in XXXX ) had been inflated with false information and now appeared as two separate loans of over {$55000.00} and {$24000.00}, respectively. I contacted Nelnet via email and phone on XX/XX/XXXX and have continuously been in contact via email and telephone several times monthly since then. Most recently ( on XX/XX/XXXX ) I was told that my prior servicer would have to be contacted to fix the amounts that were now showing, but my prior servicer said that they have nothing to do with how my current balances are being shown and reported to the credit bureaus and it is Nelnet that would have to address these errors. 
In order to more fully prove the issue at hand, I requested a copy of my master promissory note from XXXX when my loans were consolidated. It clearly showed a total of less than {$29000.00}. Even after this, I have been unable to get Nelnet to correct the incorrect loan balances as well as the capitalized and accrued interest they have applied to the vastly inflated principal balance. I have been told to contact the Department of Education ( even though they show my loan information accurately ) and to contact FAFSA, which has nothing to do with an inaccurate student loan balance. I am at the point where I am going to have to hire a lawyer, which is going to take any and all savings that I have set aside, just to get my student loan balances reported correctly and to remove the additional tens of thousands of dollars Nelnet has erroneously added on to my principal balance. I am simply asking for this to be corrected to show my actual loan balance, not the more than {$100000.00} that now appears on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

I have had XXXX instances with fraud on XXXX different prepaid cards about 2 months apart. 

XXXX. I purchased a XXXX XXXX XXXX for {$XXXX} on XX/XX/year> and when I went to use it, it was declined. When I called the number on the back, I was informed that my card was used to purchase a night at an air bnb for {$XXXX}, using the whole amount which was not me. I was told to put in a dispute. I did this on XX/XX/year> and was told it could take up to XXXX  days. I called in on XX/XX/year> to check the status and they told me that it hasn't been XXXX  days and that there is no resolution. XXXX  days will be tomorrow and I still wont have an answer. This is extremely frustrating to be out {$XXXX} right off the bat. 

XXXX. Per the last incident, I was told by a XXXX employee to never buy a vanilla gift card because they see a lot of people complaining of fraudulent charges on them, so the XXXX time I bought a Secure Spend XXXX on XX/XX/year> and I had the same issue. I went to use it for the first time on XX/XX/XXXX at XXXX and it only took off XXXX. When I called they went through a variety of charges from XXXX XXXX XXXX that were not mine. I put in a dispute for that as well, but I am currently sitting on {$XXXX} in total that I am without. 

If this has happened to me twice, I can't XXXX how often this is happening! If these cards are easy to hack, they should not let people spend their money on them, just to be out that money for XXXX  days.
Product: Debt collection

I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! REMOVE THESE ACCOUNTS AS SOON AS POSSIBLE!!