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

Chase informed me my account was closing because I had to many disputes. I am fine with the account closing. I was told to go to the branch and they could wire or give me a certified check. I got to the branch they called internally and was told that they couldnt give me any money until all the disputes are closed. I said well keep the money in the account just in case this dispute dont return give me my rest of my money which is about XXXX. They said they couldnt do that, we had to wait. I do not have any money for gas, food or utility bills. If any remaining disputes are open, just close them and debit the money out of the checking account. Chase will not let me withdraw my funds
Product: Payday loan, title loan, or personal loan

I had a loan with XXXX XXXX in 2013. I am now getting calls from a credit report agency saying i owe {$5000.00} and they are suing me for this amount. I havent received any letters, but just harassing phone calls. Today when I asked for the information I was constantly interrupted and called dumb ( told I lack the mental capacity to understand what I was being told ), but the lady on the phone would not allow me to finish my questions to get clear information. She kept saying i needed to get a letter from XXXX stating that I had a XXXX balance, but nothing from this company is on my credit report and I no longer have loan documents from 2013. This company is no longer in business due to being constantly being sued by various states for illegal loan practices. What can I do about this company. I am in Texas. I am being harassed and they are not helpful.
Product: Debt collection

This company is harming my reputation with its false and deceptive collection practices. They claim that I owe a debt however when I asked for this information to be verified by providing me the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries which basically is the procedures for accounting records that all financial institutions must follow as federal law dictates, this company refuses to give me what I asked. Additionally, they decided to report this false and unverified information to consumer reporting agencies which is a violation of 15 U.S. Code 1681s-2 as they can not furnish information that they know is inaccurate.
Product: Debt collection

XX/XX/year> XXXX In direct violation of the FDCPA, XXXX XXXX XXXX solutions called a reference that I had placed on the loan. 

XX/XX/year> XXXX, In direct violation of the FDCPA, XXXX XXXX XXXX solutions called.
Product: Debt collection

I am a victim of fraud / theft. Also, This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate invalidated credit information. Im not liable for this debt with XXXX. I do not have a contract with a collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  - ACCOUNT NUMBER- XXXX
Product: Credit reporting

Spent a XXXX on a simple credit score check. Was somehow automatically enrolled in and charged extra money for services I opted out of. Only discovered that I was enrolled after receiving emails with a detailed credit report and seeing charges for {$20.00} plus dollars in my bank account. This also happened to my husband and we had both opted out of these extra services but still were enrolled in them anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
I previously sent all my documents to XXXX, XXXX, and Equifax, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I have submitted a police report to the credit bureau and the collection company. Police actually arrested someone using my identity. Neither the credit bureau, collection company ( FAIR COLLECTIONS & OUTSOUR ) and creditor XXXX XXXX have resolved this situation. They can't even produce a contract with my name or credit info.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I was given a {$1500.00} AMEX Gift Card for XXXX. 
I have tried to use at Restaurants, Retails stores, online purchases, to pay electric bill and it will not let me do anything with it! The AMEX customer service were not helpful and said 'just ' keep trying. Joke - nothing works. I have the physical card but doesn't work.
Product: Mortgage

I am currently being evaluated for a loan modification. 
There is an agreement withThe California Attorney General Office to not do dual tracking. 
It should not be forward with a Trustee SaleWhile I am under review for a loan modification. 
The Sale date must be vacated. 
We want to keep our house. 
We hope everything going well on our loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Toyota Financial, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with Toyota my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth Toyota lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when Toyota Financial contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at Toyota Financial told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for Toyota. I was wondering if those late payments could be taken off my credit report because I did exactly what the Toyota Financial Agent told me to do.

This is what toyota told me to do and it destroyed my credit report!

I called them several times and they said that they could not fix it!

They told me to write a new letter and sound like and XXXX and maybe they would fix it!

I called again and nothing!

Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through Toyota and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!
Product: Credit reporting or other personal consumer reports

I found an delightful result in my XXXX credit report when I found that the inquiries I requested the credit bureau to removed were no longer showing in my file. And now the ONLY issues I need to fix are in my Experian and XXXX credit reports. And I kindy ask the CFPB to look after the continuation of inquiry removal as if the XXXX have removed all the fraudulent inquiries in my credit report how come the Experian and XXXX can not. Please see the list of inquiries eagerly want to be removed from my credit reports : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

This started in XXXX of 2020 ... I contacted Capital One with a tracking number supplied by XXXX on a {$4000.00} advance to be credited to my Capital One account. I was told they could not locate the funds with the tracking number provided. for the past year I have been trying to get help from both banks to resolve this. XXXX XXXX notified me they had reached out to Capital One and confirmed Capital had received and has the money ... so why over a year later has the money not been credited to my account. As a result XXXX has reported my account delinquent and the 0 % promo period has expired. XXXX is refusing to remove the deliquency they and Capital One created.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the XXXX College student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.
Product: Student loan

I am writing to formally express my concerns regarding the misleading information provided to me by representatives of Navient concerning my student loans. Over 20 years ago, I was informed that enrolling in an Income-Driven Repayment ( IDR ) plan OR an interest occurring forbearance would lead to more favorable repayment terms, including loan forgiveness after a specified period. Based on this advice, I proceeded with both plans over the time span of 20 yrs under the assumption that I would receive significant benefits, including eventual loan forgiveness.

However, despite making payments for over two decades, I have come to realize that the bulk of my payments have been applied to interest, leaving my principal balance virtually untouched. This has left me in a position where, after more than 20 years of paying, I have made no significant progress in reducing my overall loan balance. The representatives who guided me toward this plan failed to fully disclose the long-term financial consequences, including the extended duration of interest payments and the lack of meaningful reduction in my principal debt. 

I feel that I was misled into a payment strategy that has prolonged my financial burden rather than alleviating it. I am requesting a thorough review of my loan history and reconsideration of the terms provided to ensure that the information I received is aligned with fair lending practices.
Product: Checking or savings account

On XX/XX/XXXX I wrote Check XXXX to the grocery store for {$64.00} On XXXX It bounced On XX/XX/XXXXit cleared The check was deposited via telecheck systems at the cashier. 

Two weeks after on XX/XX/XXXX my account gets a debit for XXXX from " my grocery store as a fee '' I immediately told my bank I did not authorize it. I didn't have XXXX in my account so on XX/XX/XXXX they bounced it, and charged me XXXX Today XXXX, I called the grocery store, they said they had nothing to do with it, Telecheck sent the XXXX fee. They told me to call Telecheck, at XXXX, I called. When I explained the situation, and cited www.fdic.gov/regulations/laws/rules/6500-580.html Section 3 ( c ) 1 Checks " Regulation E does apply however to any fee debited via an eft from a customers account by the payee because the check was return for insufficient funds or uncollected funds. The person debiting the fee electronically must obtain the consumer 's authorization. '' I did not authorize the fee, and they never notified me of it. When I called the number they then sent me to XXXX XXXX XXXX  XXXX, where I explained the same. 

They broke the law debiting a XXXX fee by not garnering my consent. 

I did tell them they can charge it on Friday, payday. However, I am reporting this practice because this check for food for XXXX cost me nearly twice as much as the amount on the check in fees between the bank and this company.
Product: Mortgage

I identified an advertisement for a no dock loan from champions XXXX. I applied for the loan was approved for a first mortgage on my home that was free and clear. After review of the Dodd frank act and the ATR rule it is clear The Champions XXXX  did not prove that I had the ability to repay the loan. I have been and at the time was unemployed not receiving any income. I have asked champions to send me the whole loan file to see if they did try to accommodate the ATR rule they have sent me closing documents but not the whole loan file. I did reach out to them they left me a voicemail stating that North Carolina law allows for a loan that they call the ally loan that you do not have to prove any income I then did more research and found out that federal law does supersede North Carolina law which would make the ATR rule still in effect.
Product: Debt collection

I sent XXXX a certified letter asking them who is it that I owe them money. I asked them to send me proof and what I received from them clearly states that it is not a bill which I highlighted for them to see.There are two separate issues here that I've enclosed.
Product: Checking or savings account

Purse was stolen on XX/XX/XXXX. XXXX XXXX  in purse was used the next day to withdraw {$4500.00} from checking account in 9 separate transactions. Police came to location of crime on XXXX XXXX and wrote up a police report. I went to Santander bank the morning of XXXX XXXX to report card stolen. A claim was filed with Santander bank regarding the use of the stolen ATM card. Bank denied claim and refused to provide detailed information on denial. Santander customer service representative stated that the denial was based on " inconsistencies between account activity and/or the documentation provided ''. They said this meant that they did not see failed attempts of using PIN with the card. They were unable to tell me how my PIN was compromised. I was also denied the opportunity to speak with the bank representative that handled the claim review. The following documentation was provided to Santander : police report ; police contact information ; receipt from repair of vehicle window damaged during incident ; and police report request form.
Product: Debt collection

I was the victim of fraudulent inducement of employment. I was told my credit cards would be paid off for company use. The name and address of the alleged company is XXXX XXXXXXXX XXXX XXXX  XXXX of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX. I received a signed employment contract which I returned to my 'employer '. I was given the routing information for two banks to pay my credit cards in order to purchase equipment for export. The two banks are : XXXX XXXX XXXX ( Acct. XXXX, Routing # XXXX ) and XXXXXXXX XXXX ( Acct. XXXX, Routing # XXXX ). All payments were reversed onto my 3 credit cards ; XXXX, XXXX XXXX, Synchrony Sam 's Club MC. The address the shipments of what is now stolen XXXX equipment is : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX,. XXXX XXXX XXXX, XXXX XXXX. In the course of doing what I thought was my job, which was to send XXXX products for export, I was never able to create shipping labels to the XXXX XXXX address. My 'manager ' XXXX XXXX ( XXXX ) sent me labels. These items were either sent to or had the return addresses of three individuals in the United States ; They are : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) These three individuals are in on this scam. The FBI needs to visit these three individuals as I have proof they are part of this scam. I was able to attempt to send a package via XXXX  but it was returned to me. I will be returning the XXXX merchandise to the retailer I purchased them from. I need an agent from the FBI to contact me because I have an entire stack of evidence. In addition, some of the packages that may have made it out of the US to XXXX are sitting in customs and can be confiscated. I have all the shipping labels needed to accomplish this. I have contacted the XXXX XXXX XXXX XXXX in XXXX XXXX, attempted to contact the XXXX XXXX PD. I have opened a case with the Federal Trade Commission, the XXXX XXXX. The FTC report number is XXXX. Now Synchrony has cancelled every card I have PayPal, Sam 's Club XXXX. I personally cancelled the Synchrony MC because of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Bankruptcy Reference # 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor FIRST PROGRESS CARD Account Number XXXX has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 SECTION 604a SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Date of Alleged Late Payment : XXXX XXXX XXXX XXXX  I previously disputed this inaccurate information on XX/XX/XXXX for the third time and provided supporting documentation proving that the late payment being reported was incorrect. Specifically, I included payment ledger showing the account was current in XX/XX/XXXX I also spoke to a representative from XXXX during a phone conversation on XX/XX/XXXX where the representative confirmed that the necessary documentation was uploaded to address this issue but stated they dont update the credit reports at all. I recorded this conversation and can provide evidence of the representative 's statements if necessary. However, despite this confirmation and my previous efforts, the late payment entry remains on my credit report. 

This issue has been ongoing for over XXXX years, and I demand immediate verification of this information. Under Section 609, I am requesting the following : Immediate removal of the inaccurate late payment entry if you can not provide verifiable proof of its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX Date XX/XX/2020