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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My fathers wife had gone into the hospital on XX/XX/XXXX, very ill. When we found out that he needed our help my father was beside himself since his wife always dealt with every day expenses. My fathers wife wrote checks for the bills as well as for cash at the bank so to have cash on hand. On XX/XX/XXXX she wrote her last check for my father to cash at the bank, it was for {$500.00} for breakfast and supper he eats on a daily basis. Later in the month I had taken my Dad back to bank to see if he would sign a withdrawal slip which was completed by a bank representative for {$4000.00} and it bothered the bank but at this time my fathers wife daughter was staying with him and she had no interest in taking care of him, she had gone in once from what I was told trying to get into their account, but was unsuccessful. I was told as long as my Dad had checks he could get cash out of his account. When his wife pasted on XX/XX/XXXX they had paid for where to bury in XX/XX/XXXX but the crypt to open and close it, had to be paid first so in order to bury her we went to the bank to get the money which was {$1000.00}, this was on XX/XX/XXXX, One representative talked with us and had done a withdrawal slip and my Dad signed it, she also took and copied the Death Certificate, then came back and said that she would not allow my Dad to withdrawal the money, that he was not capable of knowing what he was doing. My Aunt is the executor of my Dads wife 's will she was with us plus she had to lend us the money to open and close the crypt so she could be bury the next day, Saturday the XX/XX/XXXX Since then we all decided to avoid the bank but my Dad wanted to get money to take care of himself and his pets, we just paid with what we had until it was more than we could take, his money is his and he should be allowed to it. On XX/XX/XXXX was the first day at the bank and when they had flagged the account and tried to say that he was not capable of what he was doing, I was on the phone with the FCC which connected me to you. I also told them that no one has gotten any report from a doctor saying that my Dad is not capable of getting money to take care of his needs, to do the bills is a whole other story, his wife did the bills. He was able to get the money but I was told just this one time, now I have POA to help him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I lost my job due to covid. I still tried to pay my account when it became overwhelming I ask for a interest rate reduction. The representive told me I qualify for covid relief. Against my better judgement I took the offer. In XXXX I received a 30days late I have been dealing with Navy federal for over 15 years and I have never been late with Navy federal or any of my creditors. I have disputed it three times to no avail. I have emails in XXXX in which I sought a financial evaluation because I was unable to pay. I received a notification that I have a 30 days late which I was completely unaware of. I thought once I had talked to someone I would received further information in XXXX. Navy Federal had refused to correct this wrong. I believe it is dispicable to report negative untrue and unfounded activity when people can barely eat let alone pay their bills. Once I received the 30 days late I immediately contacted navy federal and paid XXXX that I did not have and had to struggle for the entire month. Thank XXXX I am back to work although my salary is extremely reduced. I am seeking help to have this removed. In all my years I have never been late. I could have filed bankruptcy protection because of my financial state but I believe if you borrow you pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquiries that were on my credit report that I did not authorize.
Product: Debt collection

Hello, you all removed Source Receivables management from my XXXX  report a few weeks ago successfully. this account is still reporting on my XXXX  report. If you can get this removed. I would gladly Appreciate it. this account was deleted and later purchased by another Collection agency.
Product: Payday loan, title loan, or personal loan

I had my pay check garnished for the amount sent by the company and the courts. Now I am getting harassed pay more money after my garnishment was complete. And I have proof that it was complete. So I am emailing you per my advise of a Lawyer to file this complain, because now this company is pulling my credit report and I didn't give them permission to do so. Now I am looking to sue them.
Product: Credit reporting 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Your front door ran an XXXX XXXX of the amount of XXXX which they admitted they wrongly ran and even wrote to XXXX XXXX about this at nothing has been done to rectify this situation other then have it get reported on my credit which has ruined me getting anything, The FBI is also involved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX intend to initiate civil monetary penalty proceedings against XXXX XXXX  XXXX and Experian pursuant to 15 U.S. Code1681s2 for furnishing information with actual knowledge of errors and for reporting inaccurate and incomplete information with violations which may constitute a pattern or practice of noncompliance.

This message serves to request a manual review of the evidence and if shown to constitute and unfair or deceptive act or practice in commerce to escalate this issue for enforcement by the Federal Trade Commission.

Thank you
Product: Vehicle loan or lease

GM Financial has caused our two income household to become a one income household due to misinformation given throughout the entire lien and title transfer process. 

I was informed by agents that this information could be faxed to the county tag office in Georgia, which is incorrect. 
I was informed that the information could be expedited by both the State of Georgia and Florida to which they were willing to provide information, but my lien holder, GM Financial refused to cooperate. 

Due to this issue, now we are facing financial hardship. 

I was informed by an agent that I could request a payment deferral and it would be placed on the backed of my lien. When I called in to defer the payment I was told that there would be a {$62.00} ( USD ) charge in order to even process the payment deferral which I was NOT previously informed of. 

I was also informed that GM Financial does not have a compliance ( legal ) department when I requested to speak with them which is also incorrect information This has been an issue since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/, this company refuses to correct the errors in my report. I have provided them with the proper documentation as well as identification. This ha gone on long enough. They are in direct violation of Federal statutes against accurate reporting on credit reports.
Product: Checking or savings account

Around XX/XX/XXXX, I received a notification the Robinhood had decided to restrict my account for review. I am happy to comply and provide any documents they need, and after sending my identify verification documents I haven't heard anything else besides cut and paste " please be patient messages ''. I want access to my money in that account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY 30 DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been over 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 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 data breach and may have got into the hands of the wrong person.
Product: Payday loan

XXXX XXXX XXXX, claiming to be an independent processer- -in conjunction with XXXX County Georgia , has been leaving messages on my cell stating that I need to call him to verify my address in order for him to serve me legal documents. He 's also been calling my mother and other family members- -My mother is XXXX years old. On XXXX/XXXX/XXXX, XXXX XXXX XXXX called from XXXX XXXX XXXX stating that he too needs to verify my address and schedule a delivery of legal documents. He called from XXXX, but stated that I need to return his call to XXXX ; which happens to be the same phone number that XXXX XXXX XXXX is calling from. Because these calls sounded very suspicious, I googled both caller names and phone numbers and found that these gentlemen are " intimidators '', so to speak. Upon returning their call, the consumer is transferred to a payday loan collector. Therefore, I suspect that the calls to me are for the payday lender Spot Loan. I borrowed from them in XX/XX/XXXX and repaid nearly twice the amount of the principal. After learning from a credit counselor that I had overpaid this loan and that the lender is illegal in Georgia, I took action and stop paying them. I sent them a cease and desist letter by certified mail. My letter included a detailed explanation of my non-intent to render any further payments.
Product: Credit reporting or other personal consumer reports

Someone used my personal information to obtain credit fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.
Product: Credit card

Hello, I believe Synchrony Bank, XXXX XXXX began engaging in " double cycle billing '' when they updated their terms and conditions last XX/XX/XXXX. Unless the law has changed, I thought this had been banned in XXXX. We pay our credit card off in full each month, although I made a mistake and shorted XXXX 's payment by XXXX cents. The amount due was {$9900.00}, mistakenly I paid just {$9900.00}. I was charged interest ( 26.99 % APR ) in the amount of {$25.00} on XXXX 's bill. As outrageous as this is, we accepted it as " the rules ''. Although on XXXX 's bill, we were charged again, this time {$43.00} for that missing XXXX cents. Apparently, last XXXX, XXXX changed their 30 day compounded interest to 60 days. Is this not the definition of double cycle billing? If not, we would just like to understand the difference. 

Thank you for your time and consideration. So happy you're still around! 

Best Regards, XXXX
Product: Student loan

Hello My loans were transferred from Great Lakes to Nelnet. I made an attempt to pay off my loans in full on XXXX XXXX XXXX. The Nelnet website says it was processed and the debt was paid in full. 4 days later, the debt amount ( including interest ) appeared again. I received a notification from the Nelnet website stating the money was rejected by my financial institution. 

I again made another attempt to pay off the loan on XXXXXXXX XXXX XXXX, Nelnet says processed, and then paid in full, and today ( XX/XX/XXXXXXXX  ), the original debt amount and interest are back on my account. 

I contacted my bank on XXXX XXXX, XXXX about this issue, and the representative I spoke with stated they did not receive any charge from Nelnet and are unsure why the money was not taken from them. 

I contacted Nelnet about the inconsistency and to get more details about why both payments were not accepted, and the wait time was over 94 minutes. 

I kept records of both confirmation from Nelnet saying my debt was paid in full and the record from my bank stating Nelnet did not make a charge. 

The interest on my student loans keeps increasing daily and I am actively prevented from paying off my debts. This negatively impacts people 's finances. 

How is this okay? How can this be acceptable? I never had issues like this with Great Lakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.
Product: Credit reporting or other personal consumer reports

I seen two recent hard inquiries on my XXXX report that I did not authorize. I ask XXXX to delete those inquiries as in today since I have a credit freeze on my credit report and extended fraud alert on all three credit reports. The first one was XXXX XXXX XXXXXXXX, I know I can't get an account with them since XXXX  so why would I apply? The next one was credit plus XXXX XXXX. The same thing happened to me 2 years XXXX XXXX and XXXX. XXXX have employees letting creditors check credit report without alerting the consumer.
Product: Debt collection

N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, Equifax and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - ALL XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Inquiries : -XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX via XXXX XXXX HL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible.

Thank you
Product: Money transfer, virtual currency, or money service

Good Evening, I am reaching out about a situation that has yet to be solved between XXXXAmerican Express . 

The situation first began with AMEX. I thought transactions on my XXXX were fraudulent with my AMEX XXXX card, so I called to get the transactions disputed. After realizing days later that the transactions were in fact mine, I immediately called back AMEX and told them that the transactions were indeed mine. Right away, they charged the transactions back to my AMEX XXXX card and told me that I had to pay the amount. 

I also asked AMEX if the transactions would also be cleared up with XXXX and they told me yes. These transactions occurred in XXXX. Staying on this, I called XXXX, who told me that the transactions were still under review and that if they were disputed with my bank, AMEX would have to call and speak to them themselves. 

When I called AMEX asking if they can speak with XXXX to clear up this confusion, they told me to wait up to 45 days and the transactions should be cleared. It is now XX/XX/XXXX and THE TRANSACTIONS ARE STILL NOT CLEARED UP! Yet, AMEX has charged me for these amounts and has paid off the transactions. 

This issue is also hindering the users ' accounts on XXXX because they were flagged as fraud and XXXX has yet to reimburse them the money! 

When I called XXXX again, they told me that AMEX had to call them. Tired of waiting, I called AMEX three-way and was told that I had to get off the phone because I was not a merchant account holder. Agreeing as long as the task was going to be completed, I got off the phone. The representative from XXXX informed me that he could not get ANY clear answers from AMEX customer service. 

WITH THIS BEING SAID, THIS MATTER HAS STILL NOT BEEN SOLVED. PLEASE CLOSE THESE DISPUTES SO THESE PEOPLE 'S ACCOUNTS CAN BE USED AGAIN AND SO THEY CAN GET THEIR MONEY BACK! ESPECIALLY IF I HAVE ALREADY BEEN CHARGED FOR IT!
Product: Mortgage

Over a week ago, I started trying to get my escrow account reverted to me, I was told I could by, XXXX XXXX, and that she advised that I call the escrow department on XX/XX/XXXX to start the procedure. I called on the XXXX XXXX XXXX and I was told that I didn't qualify due to the VA Housing Admin. I waited till Monday and called the VA XXXX in XXXX, Georgia to see if this was the case, especially when they told me that the VA required a 720 credit score, very few veterans could meet that score!! The gentleman at the VA Housing told me that, no that wasn't a VA requirement and absolutely " NO '' the score is too high. I have a recording of the conversation with the VA Housing and also the information that he emailed me.
Product: Checking or savings account

Wells Fargo class action lawsuit : For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees and wrongful loan modifications that would have otherwise prevented foreclosure. 
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Refuses to investigate Fraudulent Inquiries on my credit report dates of the inquiries XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 I spoke with a XXXX XXXX Supervisor And after I explain to him several times that according to the fair credit reporting act legally anything unverifiable or in accurate must be removed immediately he claims they cant Investigate a dispute for fraudulent inquiries
Product: Credit reporting or other personal consumer reports

I did not request any fraud alerts to be added to my file and would like them removed immediately