23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and I noticed some things are incomplete and not accurate, And according to FCRA Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

These accounts are not complete and not accurate 1.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
According to XXXX XXXX XXXX XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 XXXX2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
According to XXXX XXXX XXXX XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I sent a letter asking them to make sure everything is complete and accurate and hre is my tracking XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments, everything is not complete and accurate. 
And according to 15 USC 1i 5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( B ) ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based of 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. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) description of reinvestigation procedure A consumer reporting agency shall provide to a consumer adescription referred to in paragraph ( 6 ) ( B ) iii ) by no later than 15 days after receiving a request from the consumer for that description. 
!!!!!!! BUT THEY DID NOT DO THAT AS WELL EITHER!!!!!!!!!! 
And according to 15 USC 1681s-2 they are suppose to NOT furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

According to 15 USC 1681s-2A. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has any reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On or about XX/XX/XXXX, I deposited {$10000.00} into my account with Chime ( account tied to debit card # XXXX. On or about XX/XX/XXXX, I tried to access my account on-line. At some point, Chime allowed an unauthorized person to change the telephone number tied to my account to XXXX ( XXXX, Texas ). My telephone number is XXXX. This individual was also able to change the password on the account so. When I tried to log on to my account, I kept getting the message " Incorrect Password ''. I contacted Chime customer service multiple times between XX/XX/2022 and XX/XX/2022. Chime kept sending the password reset to the fraudulent phone number. Finally on or about XX/XX/2022 I was able to get Chime to reset the password. I immediately noticed unauthorized transactions as follows : XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$2000.00} XXXX XXXX  {$500.00} XXXX XXXX  {$500.00} XXXX XXXX  {$1000.00} XXXX XXXX  {$500.00} XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX {$2000.00} ( Return From XXXX ) Credit XXXX XXXX  {$2000.00} Total {$9900.00} Chime has refused to refund these unauthorized transactions. Despite several attempts to obtain the documentation that Chime used to reach this initial decision, Chime has failed to honor my request for the documentation. Accordingly, Chime is in violation of the applicable provisions of Federal Reserve Regulation E. Under this regulation, I am entitled to receive a copy of all the documentation Chime used to reach their initial decision. Their refusal to provide this documentation shows a clear disregard for the regulations and has harmed me significantly. 

Thank you for your prompt attention to this request. 

XXXX XXXX
Product: Student loan

My loan was transferred from Sallie Mae to Navient before 2010. At that time I was a XXXX year teacher before there was a PSLF  or it was never mentioned. I sent Navient about {$200.00} as it was all I could afford as they were forcing me to make over a {$700.00} dollar loan payment. They put my loans in default because I wasnt sending them the full amount, we call this predatory. I was then billed for over {$700.00}, which as a teacher I could not pay, so year after year instead of letting me pay what I could they kept putting my loans in forbearance and my high interest made my loan even more expensive. They were relentless. In Georgia where I was living navient settled a class action lawsuit where I should have been part of, but was not for some reason! Now XXXX has me back in repayment but you can never reach customer service. They also have information incorrect in the system which affects my PSLF loan forgiveness, which should have occurred in the class action lawsuit by the state of Georgia!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX
Product: Credit card

I applied for AMEX platinum credit card a few month ago. This card has sign up bonus, if I spend over XXXX dollars within 3 months after account open, I will get XXXX MR reward points. 

I got bonus points after I spent $ XXXX+ within 3 months, but AMEX just clawed back my points last week, I called them to inquire, they told me because I have return credits, so my spending is below {$3000.00}, I did n't meet spending criteria. That is not true, I did have some return credits, but no matter how much credits I got, my net spending is over {$3000.00}. So I am eligible to qualify for bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX #, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am a wedding planner, and on XX/XX/XXXX, and XX/XX/XXXX, XXXX clients paid me through PayPal for planning and coordinating their upcoming weddings. Without any prior notice, PayPal has held these funds, which are intended to cover the expenses for their weddings, including payments to various vendors. Only a small portion of these funds is designated for my service fee. 

XXXX wedding is scheduled for XX/XX/XXXX, just a month and a half away, and the other is planned for early XXXX. I do not have the financial capability to advance these expenses on my own. If the funds are not released or refunded, I will be unable to fulfill my contractual obligations, causing significant harm to both my business and my clients ' events. 

PayPal has stated that the funds are being held for up to 180 days to protect against potential chargebacks or claims. However, it is impossible for my clients to file a claim or request a refund since the account is frozen. This puts my clients in a position where they are both unable to access their own money and unable to seek a refund through PayPal. The amount is over {$5000.00} I am requesting that PayPal either release these funds to me immediately or refund the payments directly to my clients so they can arrange an alternative method of payment. Holding these funds for six months without providing a means for resolution is unreasonable, harmful, and potentially in violation of federal regulations. 

Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ), unauthorized holds or restrictions on legitimate funds that cause undue harm to account holders are not permissible. The prolonged hold on these funds is causing significant damage to my business and preventing my clients from accessing their rightful payments.

This situation must be resolved immediately. No financial institution governed by the FDIC would be permitted to hold legitimate funds without providing a clear and fair resolution process. I urge PayPal to release the held funds or refund them to my clients within seven ( 7 ) business days to prevent further harm and avoid potential legal action.
Product: Credit reporting or other personal consumer reports

What I disputed isnt anything to which this dispute response is tied to. 

Not only that the stuff you claim in the dispute response doesnt even exist anywhere on my report you just provided after stating it was updated XXXX belongs to new
Product: Mortgage

XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.
Product: Credit card or prepaid card

I made a purchase using my Capital One credit card ( card # XXXX ) on XX/XX/2021, for a handbag from XXXX XXXX online for {$870.00}. After received the product I did not like the quality of it therefore I decide to return it back to XXXX XXXX, I requested a return shipping label from XXXX XXXX  via email. I then followed the instruction packed the handbag and dropped it off at USPS on XX/XX/2021 to return the product back to ( XXXX  ), after patiently waited for over XXXX months ( XXXX  ) still have not refund me for the return. I reached out to ( XXXX  ) by phone for numerous of time for refund, I was promised for a refund each time when I called ( XXXX  ), but never receive any refund. I contacted Capital One on or around XX/XX/2021 for a dispute of the charge ( case # XXXX ), I have response to each of the dispute letter from the credit card company and provided all documents as needed. 
At the end the credit card company sent me a letter on XX/XX/2021 stayed that they are unable to help me due to lacks all the previously requested information, when I have provided all documents as requested. 
The return package was lost or stolen during the transit, I told Capital One that XXXX XXXX should file a claim with USPS through insurance. Since the return shipping label was not pay by me and I have no right to claim insurance, it is out of my hand. 
I have followed the return instruction from XXXX XXXX  thoroughly, provided all documents, but it was ruled out in the merchants favor and consider the case closed. I believe I should not be responsible for the lost or stolen of the return.
Product: Mortgage

We were tricked into accepting a high interest rate mortgage with Huntington Bank. Their employee outlined a plan for us to mortgage out of our land contract, then do a cash-out refinance on the new mortgage, something we could not have done on the land contract. His advice was for us to take premium points ( a higher interest rate XXXX on the first mortgage and use the bonus cash to pay the closing costs. We would then immediately cash-out refinance at a lower interest rate due to a points purchase, and pay closing costs as required. The net effect of this plan is to bypass rules against cash-out refinance of land contracts, and to avoid paying closing costs XXXX times while doing so. The day before our right of rescission was to expire, the employee confirmed his plan to be correct. Even when specifically asked whether or not seasoning was required before we could refinance, the employee confirmed it was not, that we were a special exception and we could proceed as planned as soon as our right of rescission had expired. The day our right of rescission expired, the same person told us we can not proceed as he had planned due to a requirement that our loan season for XXXX months before we can refinance ( seasoning ), that he had made a mistake and was sorry.The net effect of this trickery was that we now are stuck with a high interest rate mortgage. 
This person 's supervisor corroborated his plan prior to its execution and is culpable in his wrongdoing. 
We believe we have been intentionally tricked into this high interest rate product. 
This is not a hearsay situation, we have voicemail messages, text messages and witnesses ( including a notary public ) to a conversation which all prove the employee was intentional misleading for his own and his bank 's greater profit.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Dispute & Request for Immediate Removal Dept. of XXXX XXXX XXXX Dear TransUnion XXXX Department XXXX XXXX, XXXX I am disputing the reporting of a Dept. of XXXX student XXXX account on my credit report. This account was illegally disclosed without my authorization and should be immediately removed due to violations of the Fair Credit Reporting Act ( XXXX  ) and the Family Educational Rights and Privacy Act ( XXXX ). 
Account in Dispute : Dept. of XXXX Account # XXXX Legal Violations & Consumer Rights Breach : XXXX. FERPA Violation ( XXXX XXXX. XXXX ) : My student loan records are federally protected educational records and should not have been disclosed without my explicit consent. 
XXXX. Unauthorized Third-Party Access XXXX XXXX XXXX XXXX XXXX XXXX student loan information was accessed by unauthorized third parties, including XXXX and XXXX XXXX XXXX which is a violation of my privacy rights. 
XXXX. FCRA Violation ( XXXX XXXX. XXXX ( b ) ) : You are required to verify the accuracy of reported information. The continued reporting of this unverified loan makes its presence on my credit report inaccurate and unlawful. 
Demand for XXXX XXXX : XXXX. Immediately delete this disputed student loan account from my credit report. 
XXXX. Provide written confirmation that this account has been removed. 
XXXX. If you refuse, provide a full investigation report proving I authorized this reporting. 
I expect a written response confirming this dispute has been resolved within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Last XXXX of XXXX : XXXX ________________________________________
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ).

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXX XXXX  - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXXXXXX XXXX XXXX  - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it may take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Saturday XXXX XXXX, there was unauthorized transaction of {$83.00}. I did not make the transaction. I called Bank of America Tuesday XXXX XXXX at XXXX. A woman named XXXX from the South Carolina branch saw the transaction and said it has a reversal of its original transaction and youll be getting back your money on Wednesday XXXX. It was reversed but has not showed up on my account. Now its not showing on my account where the transaction was pending.Bank of America said since its not on my account anymore then they cant file a claim.
Product: Payday loan, title loan, or personal loan

I payed off an Equity Line of Credit with Key Bank in XXXX of XXXX. I filled out paperwork to close this account. In XXXX of XXXX I noticed the account was still open - I filled out paperwork again to close the account. In XXXX of XXXX, I was checking my credit report and noticed this account was still showing open. I went into a Key Bank branch and filled out paperwork a third time to close the account. I filled a dispute with XXXX   credit bureau as the account was still showing as open in XXXX of XXXX, and I had been told the account was officially closed. The dispute came back as correct and the account remains as showing open!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically Cash App failed to take time and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transaction act and regulation. E these actions have caused significant and convenience and financial laws, as I seek appropriate rules. Redress for these violations
Product: Debt collection

I mailed them a letter asking them to remove this from my credit report because it was not mine. All they did was not respond to my email.
Product: Payday loan, title loan, or personal loan

I had been borrowing money since XXXX and was aware that the interest was like XXXX but I borrowed and accepted it so I paid. Last XX/XX/XXXX my mom had a XXXX XXXX and sad to say I had to borrow again despite a promise to myself not be rob again with a consent. Payment has been debited to my account struggling until the pandemic came. I called every credit card and to the other companies I have loans and made arrangements and successfully they were able to accommodate me and was kind enough to follow what the government was saying regarding postponement except RiseCredit. RiseCredit if I remember mentioned having a {$10.00} interest but did not understand that it was daily until I was told by XXXX ( Customer representative ) today XX/XX/XXXX in the evening. She said that I agreed during my conversation last XXXX. I did not understand what was the conversation regarding charging me daily because attached if I am still paying the same amount every two weeks I will not ask for a favor during the pandemic difficulty. I am very sad and furious that I borrowed {$4000.00} and after 9 payments it is even increasing. I need money because I am financially drained. I do not understand all the math that person has been telling me last XXXX but whatever the case maybe it is very unfair to do this to someone who already has a hardship with money. I feel like I am going to kill myself for company like them. Please help me stop this to victimize another people who need help desperately. When you need help and they tell you a lot of things and you are already in trouble yo9u would say yes even if you did not understand. they should not be tolerated to operate this way changing 4, 000 % interest and what they say is " You agreed ''!!! I hope you can help me. If this organization can't help me I will seek a lawyer or won't stop until they are being stopped.
Product: Mortgage

I am writing to formally express my dissatisfaction regarding the denial of my XXXX loan application submitted through the Navy Federal Credit Union. Despite possessing a good credit score and a favorable debt to income ratio, my application was denied, and I was not provided with an explanation for this decision. I have made several attempts to reach out for clarification and understanding the specifics reasoning behind the denial, but have yet to receive a satisfactory response.
Product: Debt collection

Hello I spoke to the Transworld and they are reporting I owe {$52.00}. The original creditor is XXXX XXXX they advised I have a XXXX balance. I have sent the letter from XXXX  to the company and they are reporting this to mt credit bureaus.