23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In  XXXX     2017 I  talked to a customer service rep at Navient concerning a rate reduction plan payment plan. He advised me that I only had to pay {$170.00} a month for 15 months. So I set up a recurring payment plan with them so that they could take it off of my card on the  XXXX  of every month. I even received a letter stating the payment amount and confirmed it. I got a call today   XXXX /2017  saying that I have to pay  XXXX  a month and I told them that i was told another amount and they said the representative had given me the wrong information and I was like I should not have to suffer because of that error. That was a big error on their behalf. I think it is not fair and I think that I should not have to pay that high amount.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( XXXX ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX protection in XXXX to assist me with my credit in XX/XX/2022 because old debt was resold to creditors after already being paid off. 4 letters have gone out to the credit bureaus to rectify the situation. Transunion has not complied with the request and my credit score is still being effected with previous paid off debts. I have disputed the debt with TranUnion to take off the debt of XXXX Bank in the amout of {$1800.00}, XXXX XXXX And XXXX for XXXX XXXX XXXX in the amount of {$2400.00}, and XXXX XXXX Bank in the amount of {$2700.00} 4 times now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over the past 9 months been trying to get inquires and trying to get incorrect check systems and early warning information of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX XXXX XXXX several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX  with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX XXXX pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the early warning and all the information names and jobs get taken off immediately.
Product: Debt collection

Upon checking my credit report, I noticed there was a collection account on my XXXX  file from I.C.System INC. I never received any notification from this company advising of a debt that I owed. The company just placed the collection account on my XXXX  file without notifying me of the debt prior to.
Product: Credit card or prepaid card

I need copies of statements from when my Slate account with Chase was opened to when it closed as well as a copy of the account agreement pertaining to charging of interest. These documents are for legal purposes. The account is now closed and do not have access to them
Product: Debt collection

I never got anything saying i was sued in 2017 and i would have took it to court due to having XXXX. also why wouldnt i get notice before them garnishing all had in checking and savings account. i would have set up payment plan to avoid that
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries on my credit report that I do not recognize or recall authorizing. Upon reviewing my credit report, I noticed the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter and I went to XXXX XXXX bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote a request for the method of verification for a dispute initiated on XX/XX/2021 and the response was this account was " verified '', but ignored my request to provide the method of verification. I have verified with the United States Bankruptcy Courts in XXXX, Colorado ( SEE ATTACHED LETTER ) that there is no verification submitted,. I followed up XX/XX/XXXX, and XX/XX/2021 to have this account removed considering there was no verification which is a direct violation of FCRA. The account is still reporting and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative twice @ XXXX. Once in XXXX XXXX and again XXXX XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in XXXX I then also mailed validation letters on XXXX XXXX XXXX.
Product: Checking or savings account

I received my IRS refund deposited into my Bethpage Federal Credit Union account on XX/XX/year> in the amount of {$5400.00}. Within the same day withdrawals were made in the amounts of {$2600.00} and {$66.00} at a " shared branch XXXX '' as shown on the statement. It was not explained to me what a " shared branch '' is? I was never reimbursed by Bethpage Federal Credit Union for the amounts taken out against my refund. It appears that my federal refund was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ACCOUNT NO.XXXX  WAS PREVIOUSLY DELETED FOR CAUSE BY EXPERIAN SPECIAL SERVICES , XXXX TEXAS . 
THIS WAS DONE ON THE PHONE FOLLOWING FAXED IN INFORMATION PROVING RE-AGING ON THIS ACCOUNT.D.O.F.D. IS XX/XX/2013 NOT XX/XX/2013.THIS WAS DONE MANUALLY BY THE EMPLOYEE AT XXXX APPROXIMATELY 18 MONTHS AGO. 
RE-APPEARING ACCOUNT AFTER DELETION IS AN FCRA VIOLATION BY EXPERIAN THAT CARRIES STATUTORY DAMAGES. 
THE ACCOUNT IS FOR RENT, UNPAID ON DUE DATE OF XX/XX/2013. 
UNLAWFUL DETAINER WAS FILED XX/XX/2013. 
EVICTION NOTICE WAS XX/XX/2013 JUDGMENT FOR RENT, ATTORNEY FEES AND INTEREST WAS ENTERED XX/XX/2013. 
THE FCRA REQUIRES DAMAGES FOR EACH FALSE VERIFICATION REGARDLESS OF THE EXISTENCE OF NEGLIGENCE.THE FCRA/CA POLICY REQUIRES REMOVAL WITHIN 7 YEARS OF THE DATE OF FIRST DELINQUENCY. 
ATTORNEY CREDITORS WILL RECEIVE A COMPLAINT IN CA BAR COURT AS THEIR ERRORS ARE BEYOND LEGAL INCOMPETENCE.
Product: Checking or savings account

Timing might be a little off for first incident because I originally deleted emails assuming they were a phishing attempt, and account closures were done over the phone. 

XX/XX/XXXX - Account fraudulently opened in my name at Bank of America - assumed spam/phishing attempt and ignored XX/XX/XXXX - statements from BoA start arriving at my house, first attempt at closing of fraudulent account XX/XX/XXXX - still received statements, account not closed XX/XX/XXXX - XXXX time to attempt fraud report. This time seems to work. Send BoA a very extensive amount of sensitive personal data as requested to their fraud department. 
XXXX XXXX - Receive confirmation that they finally believe me and closed the fraudulent account closure. 

XX/XX/XXXX, XXXX XXXX - Received emails that my new BoA account has been approved. I did not open this account. XXXX time -> I'm going straight to the feds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. 
How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.
Product: Credit card or prepaid card

I have a CapitalOne issued XXXX credit card ending XXXX. I pay statement balance every month by AutoPay. Where I had used XXXX XXXX XXXX XXXX XXXX to withdraw from til XXXX 2017, I switched the AutoPay to Fidelity Bank. CapitalOne withdrew total payments in XX/XX/XXXX & XXX 2017 from this new bank, but without my input they billed my previous bank XXXX XXXX XXXX XXXX XXXX for the XXXX 2017 payment, which was rejected. They sent me an email of this and readily that balance was paid and they reversed the non-payment fee. Whereas XXXX XXXX XXXX XXXX XXXX billed me their fee of {$33.00} for " Insufficient fund ''.
Product: Debt collection

To whom it may concern : on XXXX XXXX the account was open, on XXXX XXXX account was closed. This is inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed all reporting agencies that I did not file bankruptcy.
Product: Debt collection

L.J. Ross & Associate have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

You were notified that my information was compromised in the Equifax data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and Equifax data breach claim id and remove the following accounts from my credit report within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, called me multiple times on XX/XX/XXXX. Within a matter of a few minutes. They have threatened to put it on my credit report which I understand is perfectly legal but it's for a debt that is not accurate. When I attempted to dispute that with them, they sent an invoice that is outdated and does not reflect the debt I owe. This is something they've done in the past and they literally just settled with the federal government a year ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I noticed an account that is not mine on my credit report for XXXX and XXXX. I contacted both and disputed the account as well as sent them an ID theft report. They some how verified the account. I need these fraudulent accounts removed from my report immediately
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I purchased my leased XXXX XXXX XXXX on XXXX/XXXX/XXXX at XXXX XXXX XXXX through Toyota Financial services. The lease ended XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Toyota Financial Services withdrew {$200.00} out of my checking account when they had no contract what so ever to do so. The lease ended the day before. I called them to get my monies back and they insisted I caused the problem by not turning off auto payments through them. Why would I need to turn off the payments when I had paid off the loan.They would not reverse the non authorized charge and stated I would have to wait for a check in the mail. This is flat out stealing!!! Please stop them. I asked to talk to a supervisor and was jacked around by some punk named XXXX that lied about being a supervisor.
Product: Student loan

My federal student loan servicer is Nelnet. My federal student loan repayment was due XX/XX/2023. I set up AutoDebit on my account on XX/XX/2023 and received a confirmation email. On XX/XX/XXXX, I checked my Nelnet account on XX/XX/2023 and saw a message that said that my account was past due. To avoid any issues, I paid the balance due because I was under the impression that the Auto Debit did not go through. On XX/XX/2023, the balance due was taken from my bank account. I checked my bank account again on XX/XX/2023 and saw that a duplicate payment was also taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraud alerts and extended fraud alerts from my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Money transfer, virtual currency, or money service

I was getting charged an over draft fee every other week because my account will appear it has a balance then the next day put my account in negative.
Product: Credit card

Every month my balance would be example A but my fanicial Intrest on my account is on XX/XX/XXXX.chase bank would state that my princple balance is A but when i get my monthly statement.i see that chase add faniacial intrest to my balance causing it to be higher so when they do the math chase comes out with more.for an example see below XXXX on XX/XX/XXXX should be XXXX plus intrests.not on XX/XX/XXXX bal XXXX added intrest causing balance XXXX than intrest added again saying bal was XXXXon XX/XX/XXXX. Puting chase at a better position against customers. I think its fraud.and it keep cusumer in debt.you can call for your balance its one thing but day of intrest add that balance is higher for some reason.if i sont say nothing the banks are getting away with it.why would the principal bal change that much fron XX/XX/XXXX to XX/XX/XXXX and card not being use.ita a scam.so i report chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IN ERROR. 

XXXX Account # XXXX EXPERIAN and XXXX  have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the Credit Grantor XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, EXPERIAN still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated EXPERIAN account from XXXX showing how EXPERIAN is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims! 

This fraud is severely hurting my mental and financial well being, especially during this pandemic! 

I NEED this account COMPLETELY removed from both EXPERIAN and XXXX  expeditiously! 

Thank you for your compliance in regards to this request of dispute of any and all account errors!
Product: Credit reporting or other personal consumer reports

Nordstrom credit card report on my credit report as a loss but never sent me a 1099c and has refuse to send me one.
Product: Credit card

I applied for a Navy Federal Credit Union platinum credit card. Which is known to be a consumer credit transaction in which I received no benefit. That is considered fraud. As mentioned in the Equal Credit Opportunity Act, any application is to be accept. This institution denied me due to my income. That is discrimination which makes it 2 violations of my right to credit. Stated in the act listed above, as well as the Truth In Lending Act. I reached out multiple times via phone, mail, and email. To request an approval for the credit card I applied for. In return I was told that they wasnt going to approve my request for extension of credit applied for. This has been very detrimental to my household. I have knot in my stomach. I lack sleep. My children were expecting what I promise they would have. I feel that my family has lost respect for me. I cant get my car fixed and because of that my child have to walk and sometimes catch a bus to and from school, in and thru a rough part of my community. This issue has gone on since XX/XX/year>, the day applied. Im hoping to hear from someone soon to get this matter resolved as quickly as possible. Thank you.
Product: Debt collection

Plaza Service LLC has reported to the credit bureaus I have a debit with them I am unaware of. I request verification from the by mail ( USPS tracking number XXXX XXXX XXXX XXXX XXXX ) ON XX/XX/XXXX. Plaza Services LLC Still has not responded as of today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a private individual and do not share my experiences with the public or threw third parties ' traffic. I do not consent to the information reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.