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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX  XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXXXXXX XXXX Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX Balance Owed : {$54.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$840.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$230.00} XXXX XXXX Original Creditor : XXXX XXXXL XXXX XXXX XXXX Owed : {$2600.00} XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I updated my phone and had to login on my new device. My number on the account was an old number so I had to change the number to verify account. Once I changed number, account was locked. My tax refund was deposited on my card. They closed my card with over 10,000 on my account & are not giving me options to receive the balance in a check form. Ive emailed and sent documents to verify identity & still no one is trying to send my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I noticed several inaccuracies on my report regarding this account. I have made serial attempts to correct the problem with the creditor and credit bureaus. I requested validation of the debt from the XXXX and the Credit Bureaus. Under the FDCPA and FCRA, this information must be validated upon request. I have made several request for validation of all factual data being reported but the XXXX and XXXX a Bureaus have not provided the proper validation which violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During this time I had my account, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XXXX as my husband is in the finance industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It is reaching the statute of limitations. I am hopeful that you are understanding that the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report. 
I do not think this company is still in business
Product: Checking or savings account

A transfer was done from my account through XXXX.my bank is frost bank. They act like they do not want to refund me money. they closed my account opened another one then called me later to tell me that it has to be closed too. They suspect tried to do another transaction which made them lock the account. So now i have to hurry and change my deposit from my employer before they try something again. I want frost bank to refund me my money as they never sent any notification that my bank was doing transaction.
Product: Credit reporting or other personal consumer reports

I'd like to dispute inaccurate information on my credit report, including incorrect addresses and other variations of my details that are not accurate. The addresses in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, several name variations are incorrect and not associated with me, such as XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Incorrect Employer variation XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Lastly, please remove the phone numbers listed on my consumer report. These details are inaccurate and do not belong to me. I am requesting their immediate removal and for my credit report to be updated with only accurate and verified information. My name should be XXXX XXXX XXXX, my current address is XXXX XXXX XXXX XXXX XXXX XXXX, and my current employer is XXXX XXXX XXXX. Once these changes are made, I request written confirmation and an updated copy of my credit report.
Product: Checking or savings account

I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.
Product: Credit reporting or other personal consumer reports

The spelling is Not correct!! I was never known or spelled my name this way.
Product: Bank account or service

In the evening of Tuesday XXXX XXXX 2016, I made a cash deposit of XXXX {$1600.00} ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) into the ATM number XXXX located in the Chase Branch at the XXXX XXXX of the XXXX ( XXXX XXXX ) in XXXX, NY ( XXXX ). 

Immediately after inserting the bills into the machine, the screen showed me an error message ( picture will be attached ), explaining that the ATM has experienced a technical problem and I should contact a Chase representative at their Claims Department. I printed the receipt ( also will be attached ), with the transaction ID, ATM ID, address, last XXXX digits of the account that the deposit was intended to be done, date and time of the deposit. 

After calling the Claims Department ( Claim # XXXX ), I was communicated that Chase would review the claim for up to 10 business days, without crediting the funds in my account, and no temporary credit would be done to mitigate the impacts of their machine malfunction in my daily issues. 

I called my Chase Banker and he emphatically said that I needed to call again the Claims Department, not hanging up before getting the temporary credit, because that was a bank error and I should not have any harm due to a bank 's error. 

Several other attempts to talk and escalate the situation were tried, still in the Wed XXXX and the Friday XXXX XXXX 2016, getting to the point where the representative of the Escalation Team in the Claims Department communicated me that no credit would be done prior the conclusion of their process and that was their final answer to the case. 

After being asked what would be a valid next step for my complaint or who should I reach in a different team to report my case, they said that they do n't have any other contact to pass to me and if I wanted to file a complaint about the Claims Department on the lack of solutions, I should do that with the Claims Department, without spotting the illogical conflict of interest in the situation. 

My complaint is the lack of the temporary credit in my account due to the bank 's error and the inability to deliver any other mitigating solution. In the last call I communicated my intention to file a complaint in the regulator that would overview this type of cases. 

The deposit was done in a Chase Private Bank branch, and the bank has the cameras in their hands to accurately investigate the process and react in case there was any inaccuracy in my claim, reserving the right to correct my temporary deposit in case that happened. As it was a very relevant value and several bills, I counted bill by bill in front of the ATM, leaving no doubt to the correct amount that should be credited in my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

Reapted phone calls even after we made an agreement. Sent email and changed agreement. Everyday since XX/XX/2018 until XX/XX/2018. 3 to 4 calls a day. Threatening call and garnished my wages. Gc services agreed with me on one monthly payment and 2 days later changed it something else. They want me to make monthly payments and garnish my wages.
Product: Debt collection

On XX/XX/19 at approx XXXX XXXX  MST, I called Cedars Business Services to ask who " XXXX XXXX XXXX '' was and spoke to XXXX XXXX. XXXX said this company also goes online as " XXXX '', I believe. I was afraid to go online to research them. 

I've NEVER done business with this company, nor have ever used their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/2021 Balance : {$5800.00}
Product: Mortgage

I never received any information on this account because this company no longer is open and they sold my account to another mortgage company. Ocwen Loan Services continued to report inaccurate information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a XXXX debt forgiveness from Discover card in XXXX {$690.00}. I am trying to buy a house and Discover continue to report me with late payment today XX/XX/2018. I had called many times myself, even when my mortgage company and I called them they will not issue a letter stating that my account is closed even though they told me it is close and will not remove or stop reporting that I am still late. Could you please help me ... 
It shows a dispute was resolved but there is still an outstanding balance. The dispute is resolved and the resolution was she still owes the money. last reporting XX/XX/18 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.

I arn deeply concerned that my dispute may be mishandled in a similar manner.
Product: Payday loan, title loan, personal loan, or advance loan

Date of the transaction. XX/XX/2023 The amount of money you paid the business? So far I have paid them XXXX in installments What the business committed to provide you? They had committed to provide me with video footage of anyone, or everyone breaking into my room. 

What the nature of the dispute is. The nature of the dispute is that they have not provided the service I needed, especially whenever I found that important items were missing from my room, and that someone must have broken in. The cameras were always down when there were break-ins. The company itself would log me out, and block my online account from viewing the events that happened in my room. 
When I log into the XXXX application or website, I am not given access to anything else except 2 factor authentication, which I did, but nothing more than that has been accessible, no footages, no monitoring, nothing. I am made to pay an extra {$27.00} for just logging in, which is unfair. I need a refund of XXXX and cancelation of their service by the company itself. 

Whether or not the business has tried to resolve the problem. The business has failed to resolve the problem. When I reported, they would then make me go through another login process and failed to retrieve the footages of the days when I had a burglary or break in. They sent somebody to just come and look at the camera and did not resolve the real issue of failure to provide me with footages of the days when I had a burglary or break in. 

Account or order tracking number. There are two accounts. They are collecting money from both of these accounts, citizens bank line of credit and XXXX XXXX XXXX  If the issue involves advertising, where and when the ad was seen or heard. It was an ad that popped up on my screen when I looked up security cameras on XXXX
Product: Mortgage

Our mortgage is with Mr. Cooper/ AKA Nationstar. We paid our mortgage on the XXXX like we do every month. This morning we woke up to 5 unauthorized debits to our bank account. The amounts were immediately credited back and this apparently happened to hundreds of their customers. 
This is extremely concerning that this company initiated debits into customers ' accounts without notifying us that it happened in advance. 
This is illegal and this mortgage servicer shouldn't exist.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report. Under the Fair CREDIT Reporting Act ( FCRA ), section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXX, XXXX  - XXXX XXXX  XXXX XXXX  XX/XX/year> - XXXX XXXX XX/XX/year> -XXXX  XX/XX/year> -XXXX XXXX  XXXX XX/XX/year> -XXXX XXXX XXXX XXXX  XX/XX/year> -XXXX XXXX XX/XX/year> -XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> -XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX XX/XX/year> -XXXX XX/XX/year> -XXXX XXXX XX/XX/year> -XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, As I was checking my credit score on  XXXX XXXX, I noticed an open consumer account named : CAPITAL ONE/WALMART with a balance of {$3300.00} and limit on {$3900.00}. I have had 2 Capital One accounts before that are now closed. In fact, I should no longer have any credit cards, loans, etc open as I have recently filed for bankruptcy that has now been discharged ( case # XXXX ). I suspect this is fraud as I do not recall ever applying for any Walmart card. Also, it appears that payments are being made monthly to the card. This card was apparently opened on XX/XX/2014 ( 6 yrs, 1 mos ). 

I would like this removed from my credit record as it does not belong to me nor have I ever opened or co signed for this. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

I attended XXXX XXXX XXXXXXXX from XXXX. They have been involved in many lawsuits regarding decptive practices. I requested an application for school misconduct discharge & Navient says I do not qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - XXXX : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX CT XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX :
Product: Debt collection

Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX am XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued. 

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.