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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXX XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX on XXXX XXXX XXXX  Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

a company stole my identity and got a loan under my name directly into their bank account with the amount of {$110000.00}, they did not provide me the services and the company ran away and abandoned the promise and breached their contract with me. 

I have contacted these two loan companies numerous time to report this fraudulent and identity theft but loan companies are siding with the fraudulent XXXX  company. 

Please help me I am in a desperate situation facing sever hardship. Thanks.
Product: Checking or savings account

Five days ago, I received a call from my TD Bank branch manager, asking about the nature of my business, after approximately XXXX  years of doing business with TD Bank, I explained that I am the XXXX XXXX XXXX XXXX services and I have this account with TD as an expense account and it clearly state expenses on the account name and this account is being used to pay bills and vendors/companies that I do business with and maybe a few ATM withdrawals every month and I operate out of a home office because I dont need a business location or facility to conduct business and its a legal businesses registered with the federal government that pays federal income tax, so yesterday I received a letter from the branch manager, saying that they are shutting down my account on XXXX of XXXX because its a home-based business and thats not allowed with their banking rules and regulations and I think thats not fair for small businesses the struggle with banks to obtain a legal business in the United States
Product: Money transfer, virtual currency, or money service

The scammer, XXXX XXXX, pretended to be Chime. They said that there was suspicious activity on my card. To fix this, I needed to send it to a bot Chime account and they would give me new account details Chime : Did You Attempt A Purchase For {$120.00} At XXXX XXXX On XX/XX/2024 ( XXXX )? If this was you then simply disregard this message. Not You? Reply Yes or No No Chime : Thanks for replying A representative will call you shorty.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This Capital One account is wrong, no activity for approximately two months but it was put on my credit in collections twice. Now my credit score has dropped both with XXXX and XXXX  and I need my points back the card is XXXX balance and has been for two months. Thank you in advance. XXXX XXXX
Product: Credit card or prepaid card

Im not sure of the dates the note I entered in my phone was in XXXX at least 45 days after I made them aware the same night after using my card at XXXX numerous transactions were attempted for to much and then lower amounts on XXXX for almost {$300.00} to empty out my One Vanilla card. When I called them they turned it off so I cant look at anything online anymore. I was told several times to call back at a later date. Tonight was informed they sent me a dispute packet in my email ( Never received in spam or inbox ) that I have to fill out a form when I was already told that they shut off all the transactions were still pending when I notified them. Please help
Product: Debt collection

Was contacted by a XXXX party collector trying to collect {$830.00} and the loan was for {$600.00} and finance charges for a total of {$730.00} sent documents to them showing loan was paid and they contacted us stating documents were false and they were going to press charges for presenting false documents and then tried to settle the amount to {$500.00}. Asked for verification documents and were denied the documents. Very rude when told not to contact me or my husband and they stated they would contact my husband anytime they felt.
Product: Debt collection

I am writing to formally dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report and was dismayed to discover that there are inaccuracies present that are adversely affecting my creditworthiness. The specific concern pertains to the reporting of late accounts, which I believe are incorrect and unjustly tarnishing my credit history. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my financial records, and I can confidently state that the reported late payments are erroneous. I have always strived to meet my financial obligations promptly, and any deviation from this commitment is a genuine mistake. I request your immediate attention to rectify this situation and ensure that my credit report accurately reflects my credit history. 
I have previously submitted a dispute regarding these late payments, but it appears that my concerns have not been adequately addressed. This oversight is both frustrating and disheartening, as the inaccurate information continues to have a detrimental impact on my creditworthiness. I am seeking your assistance to promptly investigate and correct these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Equifax sinceXX/XX/2020. EQUIFAX had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.
Product: Mortgage

I applied for a loan with XXXXXXXX XXXX XXXX and they were requesting some documents I did not have at hand, so I could not possibly provide that to them before the closing date. 

On XX/XX/XXXX, the XXXX XXXX, XXXX XXXX told me that they were withdrawing my loan and would send me a denial letter on the same day. 

However, more than one week has passed, and they became not responsive to any of XXXX emails or text messages and phone calls. They have not issued a denial letter, but instead still sent out some " loan disclosure '' with the wrong information on the letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach and subsequent identity theft, the following accounts and inquiries were fraudulently opened without my knowledge or consent. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting US Bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After waiting for weeks to hear back, my dispute was closed with absolutely no resolution. The reasoning given by US Bank was that since the pin number was used, the transactions were authorized. I have tried contacting US bank multiple times in regards to this issue after the decision, and I was finally able to get hold of someone who could provide me with more information. The representative said that they have reviewed the footage from the ATM machines and it matches my description. I have inquired about obtaining the copy of the videos or photos but they said they are not able to nor obligated to show me those and that it is used only for internal use. I have informed them that I was in XXXX XXXX and I have the proof for it but they were not interested.
Product: Credit card or prepaid card

Someone had my social Security number and personal information. They are calling XXXX XXXX and changing the address and phone number to Florida and requesting new cards in my name. I have called 15 times this week to keep changing it back. I went to social security office and reported it. XXXX XXXX   acknowledged knowing about the breach in my account and will not stop it. They keep allowing this to happen. I have yet to receive my income. I can not pay bills, I have no phone and I have XXXX young children at home to feed. This is unacceptable!
Product: Debt collection

I paid my final bill, closed my account and turned in my equipment at a XXXX  and XXXX location
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX .... Balance : {$5000.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$1600.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this erroneous reporting with This company so many times and now Im forced to file a lawsuit to get it fixed. This XXXX XXXX is simply not my account. Ive asked for validation and still Ive not received any type of validation. Its been over a year and still here reporting FRAUD! Im suing for but not limited to Defamation and Violation of FCRA. If this company is willing to fix its erroneous reporting I am willing to withdraw the lawsuit. Until then, Ill see them in court!
Product: Credit card or prepaid card

I rented a home that offered a vacation rental with clenaing fees for pets put on as an additional charge, and the original cleaning charge being included in the base rent. As a guest, the landlord claims I caused damage. In dispute, I asked for PRE photos and the landlord provided none, thus being unable to substantiate the claim. As well, the landlord blamed me for things which should be included in regular cleaning fees. He cited cause for cleaning the couch at an abnormal rate of {$75.00} which is an excessive amount of hours to pay for one half hour extra of work in vacuming a couch. As well the pet fees were over {$200.00} and would've covered any excess time for their specific concerns. I submitted the dispute for chase to review and they never even contacted me to receive my proofs of the landlord unsubstantiating the charges.
Product: Mortgage

I can not get from chase who services my mortgage, who owns it and who has original loan docs and signatures.
Product: Mortgage

Today, XX/XX/2022, I called the XXXX XXXX XXXX  hotline and asked a representative if they record conversation between their counselours and clients. They confirmed that they do indeed record these conversations. I have a recording of them confirming this. 

On XX/XX/2022 at XXXX XXXX  I made an a phone call to XXXX XXXX XXXX and I spoke with a counselor. The counselor and I discussed what was going on with my Loan Servicing Company Select Portfolio Servicing. Then we proceeded to call SPS. The phone conversation was very long and I still don't understand any of it. I forgot to record this conversation. 

I would like the CFPB to ask the XXXX XXXX XXXX hotline for a copy of this conversation. In this conversation SPS tries to explain why I owe them over {$3000.00} and am facing foreclosure. This is excellent evidence that will support my former complaint with # CFPB XXXX.
Product: Credit reporting

I received what was sent by equifax which had things written stated back to XXXX/XXXX/XXXX FAD XXXX/XXXX/XXXX serious delinquency and Derogatory public record or collections filed time since to recent or unknown number of accounts with delinquency proportion of loan balances to loan amounts is too high. 
in review it is clear that my loans are not in delinquent status and that I have paid off or things have fallen off in time. Why am I been judged for 30 years ago when your credit report suppose to show 7 years and Equifax is making this statement with dating back to XXXX. 
It is very clear that this is ' Defamation of character ' This has a detrimental impact on my welfare and existence in society. This is impacting upon my civil and constitutional rights as a consumer and straw number holder. I conveyed my feeling in a professional manner and there has been little change to my score to show otherwise of the defamation of my character as a United States citizen. I await the opportunity to share the document obtained in my effort to purchase a used car with XXXX XXXX in XXXX Georgia.. This must be resolved. In attached you can review the document.
Product: Student loan

When I asked to have my loan adjusted for Income Based Repayment there was some miscommunication with how and when this would start. My auto payment was deducted from my account, at the correct adjusted amount, but then I was told I owed an additional amount for the month. I called Navient and they are working on the issue but the constant phone calls have not ended. According to them my account is 12 days past due.
Product: Student loan

Hello, I called multiple times today XX/XX/2023 because Aidvantage wrongly stated I owed extra monthly, which I paid but then it charged me twice. Now I have no money for my other bills and I cant get anyone on the phone to help me fix it! It keeps hanging up after being on hold an hour. This is atrocious. I submitted an email with no response either. They should be able to answer calls and get back to people when they steal your money.
Product: Checking or savings account

On XX/XX/year> my account was charged XXXX  times for XXXX each from XXXX XXXX which was not authorized and i dont even have an account with coinbase.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX  Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX  account ( # XXXX ) as reflected on my credit reports from TransUnion, XXXX, and XXXX. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : XXXX XXXX Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
XXXX and TransUnion : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. 
It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate. 
Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist. 
Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following :

Conduct a thorough reinvestigation of the reported late payments for the periods in question. Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of completing the investigation.

If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA.

References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers.

15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information.

15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information. 
Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charge and credits. This issue align with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I went to deposit cash at the XXXX XXXX US Bank drive up ATM, I was taken through the entire deposit process. Finally as I accepted the deposit and the machine went to verify the funds, it, spit out the pictured error receipt I attached. I called the XXXX number listed on the receipt and they opened up a claim that could possibly take over a month to verify and was also told that I could possibly be offered a provisional credit in 10 days. Right now Im left with no funds to get me by and no solution from US Bank.