23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I answered an email for at home work opportunity, posting links. I was quickly talked into setting up a business and paid {$9800.00} to begin. After several coaching sessions ( 30 min ) with assignments ( lining up products, etc ). I was asked to pay for a blog. I never made a penny out of this. They said they would also promote my website, increase my sales and traffic. I terminated my services after contacted by XXXX. All these companies were calling me offering an online related service and asking for money.
Product: Debt collection

I recently received a letter from an auto loan company saying I owe XXXX dollars for a car that I never had. I checked my credit report I saw collection accounts for accounts that I've never had. I called the police they told me I may have been a victim of identity theft.
Product: Credit card

On XX/XX/23 I closed an account I had had with chase. I have many accounts with them and transferred my available credit to another card. I did not transfer my rewards points which were accumulated over various cards over many years, but which in order to be used had to be linked with one card onlyin this case the card I closed. I have no recollection of the representative who closed my account telling me I would lose my rewards points when I closed my account, and they certainly did not offer to link them to one of my many remaining accounts. When I saw that my points were gone, I immediately called and was told that they could do nothing. I then wrote a letter and received a voicemail telling me the same thing. I do not believe this policy is fair or transparent.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a fraudulent transaction was Made for {$470.00} And XX/XX/year> in the amount of {$70.00} and {$16.00} I chatted with customer service who were not able to help me even though I filed a dispute and reported the fraudulent charges. Because of this my account was locked and I was unable to use my card. Customer service was never available to assist me. I also wasn't allowed to send large amounts to people even if the transaction was authorized which inconvenienced me greatly.
Product: Student loan

On XX/XX/2020 and XX/XX/2020, got calls from XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX saying that I qualified for federal student loan forgiveness. They said they were with " XXXX XXXX XXXX XXXX  '' and that I was eligible for federal loan forgiveness. They asked for general contact information, including date of birth, at which point I hung up thinking it was a scam.
Product: Credit card or prepaid card

There was an unauthorized charge of {$2000.00} on XX/XX/XXXX via a " online advance ''. I did not authorize this, nor have I ever. My claim was wrongfully denied.
Product: Credit card or prepaid card

My account ending in XXXX is enrolled in repeat payments, the amount of {$50.00} is scheduled to post one day before due date each month. No payment posted for this month for reasons unknown to me, a late fee was charged yesterday, XXXX, in the amount of {$15.00}. Because no payment was scheduled, I made a payment today,XXXX, in the amount of {$40.00}. I do not know why my auto pay did not go through, however, I do not believe it is my fault and should not be charged a late fee.
Product: Debt collection

First, the debt collector alluded to the fact he was associated with my XXXX loan providers. I turns out, he is freelance. 

Second, he offered a {$75.00} a month payment plan. He wanted me to see if I could get {$2500.00} to pay the whole thing off. If not, I would do the monthly payment. He wanted a little down, so we agreed on {$25.00}, which I paid, and received a receipt for. A week later, the day I was supposed to call him back, they pulled {$710.00} out of my account with out notice and without a receipt. This transaction was never discussed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with KOHLS/CAPONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and KOHLS/CAPONE with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my transactions.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite our previous attempts, I regret to inform you that this issue still persists. I kindly request that you prioritize the investigation and removal of this charge off account with the utmost urgency. It is imperative to take all necessary steps to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the account : XXXX XXXX XXXX  XXXX Balance : {$3800.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.
Product: Credit reporting

i never lived at XXXX XXXX XXXX XXXX ca XXXX never had that address ever listed in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX XXXX bal. {$12000.00}, XXXX XXXXXXXX XXXX XXXX XXXX bal. {$7400.00}, XXXX XXXX XXXX bal. {$7800.00}, XXXX XXXX XXXX bal. {$26000.00}.
Product: Mortgage

Mr Cooper formerly nationstar has XXXX workers there. But know one cares.. 
I have been applying for this scam of a modification for 7 years when I finally was accepted I sent over 15,000.00 and someone in the Dept cashed the checks and kept them. Why is it so difficult to find out this information.. 
I've been waiting on hold here In the mean time the house had a electrical fire and my son was in the hospital and recovering from XXXX from the fire. 
Still no help from nationstar. 
XXXX XXXX took all the money Her phone number XXXX Why can't anyone find the theif there Why do I have to suffer for 7 years because of nationstar workers.. 
No one has cared to help me over this terrible case .. I'm a victum here I have been waiting for a response from loss mitigation. I get nothing. My attorney gets no response because for 2 years they have failed to update my attorneys new address.. 
My hands are tied with this fraudulent company .. 
Please please help me
Product: Checking or savings account

My identity was stolen on XX/XX/2021 and the someone used my debit card and took out {$1000.00} dollars on XX/XX/2021. When I noticed this was a fraud transaction which I never authorized I immediately contacted my bank and had to report all fraud transactions including this one from Money Lion. I have also contacted Money Lion and filed for a dispute and explained my situation and informed my checking account had to be shut down and close for both checking and saving account and debit card since all my personal information was stolen. I have filed a police report and reported my case to FTC as well. 
I have contacted every week for a status on my dispute to Money Lion over the last two months but they still have not resolved anything and never return my money of {$1000.00} as of today. I was informed they have attempted for the reversal on XXXX XXXX but nothing was received at my bank and there was not records of the funds receipt due to my bank account already had closed on XXXX XXXX. This was verified and confirmed with a bank representative to money lion over the phone already and still nothing has been received and no one has contacted in regards to this matter and I have been trying to contact the supervisor but they kept me on hold for an hour each time I had called. 
Now I have been patiently waiting for the last two months and I am getting sick and tired and frustrated this has not been settled. Please help me resolve this urgent and extremely important matter as soon as possible. Thank you.
Product: Mortgage

My mortgage ( loan # XXXX ) was purchased by Mr. Cooper from Seterus. After the first month payment to the new company, they charged my for some kind of insurance product for over {$1100.00} without any explanation. I have tried several times to call them but it is impossible to get someone on the other end. Also tried to message them from the online service, within my account, to no avail. 
It seems that this is a tactic they use to charge money to new customers without any way of contacting them to fix it. It seems to be a sham business practice. 
I need this insurance money to be taken off my account.
Product: Credit card

There is a transaction from XXXX for XXXX that has been billed XXXX times for a charge that its fraudulent. I have contacted prosper card services via phone and in writing many times including today where I spoke with XXXX. The company refunded XXXX of the charges then added it back the next day as well as again in XXXX on the XXXX. 
XXXX committed on twice XX/XX/XXXX refunded XXXX then on XX/XX/XXXX for XXXX this is THEFT I want theses removed. The company even reissued a card telling me it was resolved, and it IS NOT I am still be billed XXXX not once but now twice please have them remove asap I am paying for interest on fraud ... I am still being chargedXXXX XXXX 's still remaining this is the worst service I have ever seen it is Mid XXXX
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 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : DEPT OF ED / NELNET # XXXX, Account Name : US DEPT OF EDUCATION/GL # XXXX, Account Name : 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 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. 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: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting bureaus ( XXXX, Experian, and XXXX ) require me to mail highly personal documents such as a copy of a Social Security card, birth certificate, and driver 's license in order to place a freeze on my daughter 's credit reports. I can place a freeze online for myself, but for some reason they make it more difficult and significantly less secure for me to do it for her. I'm worried about something happening to the documents as they cross the country. It's very insecure to have to mail these documents. I thought they were required to allow me to do it by phone or online. Is this not the case?
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that are the result of identity theft. Under 15 U.S.C. 1681c ( f ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent information from appearing on my credit report. I have sent copies of these documents to validate my fraudulent claim I have made multiple attempted to contact XXXX XXXX XXXX  XXXX XXXX no contact was ever made. All Attempts made were a fail. I've been in compliance and complete cooperation through this whole situation NO RESOLUTION. 
I've completely don't know wat to do any more I have taken all precautions to fix this situation, but no one is helping at all. I've contacted Equifax about them removing account that without my permission I never gave them permission to delete my XXXX  XXXX off of my credit report without my consent I never sent documentation for that specific account. I called Equifax several time for them to correct this and report the new tradeline. Please help
Product: Credit reporting or other personal consumer reports

7 COUNTS OF FCRA VIOLATIONS REMEDY : COMPENSTOURY DAMAGES, PUNITIVE DAMAGES ( {$200000.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION, LLC XXXX XXXX, XXXX PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. See company willfully and negligently verifying the inaccurate account for twenty 24 months. 

For the last time please take a look at my attachment and follow along : Item # XXXX XXXX XXXX XXXX REFORTING TWICE ITEM XXXX XXXX XXXX XXXX Reporting twice with different payment dates for the same account number. ( see exhibits ) XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. Such as Account closed on XX/XX/XXXX, The same account closed again on XX/XX/XXXX and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? XXXX, Transunion and XXXX are also liable and in violation. 

2. How can you say you call the company and verified reporting inaccurate information for 36 months of disputes? 

XXXX. How can you close the same account twice at the same time on a credit report with different closing dates? ( see credit report exhibits ) This is inaccurate and a violation of FCRA laws. 

I now have enough 36 months credit reports and responses from all XXXX, TransUnion and XXXX to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully and negligently refuse to remove the inaccurate information from my credit report. 

If they fail to remove these XXXX items for my credit file by XX/XX/XXXX i will move to file a FCRA complaint in XXXX court where i will ask for compensatory and punitive damages for {$200000.00} for the damages this inaccurate reporting have caused me for the past 36 months. 

The CFPB can verify my many disputes regarding this matter and the company responses which i also intend to use as exhibits in my lawsuit if filed. 

For the last time i urge you to take a close look at the attached file/credit report showing the FCRA violations mentioned.
Product: Student loan

Chase and XXXX will not provide my full payment history even after requesting and filing at complaint with the loan servicer XXXX.
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 AUTO Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Student loan

I have two major concerns about XXXX XXXX XXXX. When I attended XXXX University, the financial aid office and XXXX XXXX misrepresented that XXXX XXXX is a government loan, similar to your typical federal loan. After I graduated and during the repayment period, I learned that XXXX XXXX XXXX is a private loan and lacked the similar protection or assistance federal loan provides. Thousands of students take loans out from this institution, and based on my personal experience along with other fellow XXXX classmates, we believe we were mislead by the institution. 

Secondly, XXXX XXXX XXXX or HESSA  wants all the borrowers to sign or agree to a privacy terms and conditions, which is prima facie unconcionable. The terms basically states that the borrowers must agree to these terms or else the borrower can not make the payments needed to XXXX XXXX. The terms dictates that the borrower basically has no rights to any remedies and warranties, and borrower agrees that XXXX XXXX   and  HESSA will not be liable for anything, whether direct, indirect, consequential, etc. 

This is unacceptable and abusive of power and authority. I get this gut feeling that these terms and conditions and how XXXX XXXX is forcing current borrowers to agree to this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe these accounts involve fraudulent hard inquiries that were not authorized. According to the FCRA, hard inquiries can only be made with the express consent of the consumer. Any improper or fraudulent use of hard inquiries violates my rights under FCRA 604 ( 15 U.S.C. 1681b ). I have not requested any credit or any accounts and do not recognize any of these inquiries on my report and have been victim of identity theft and data breach.

I have attached a copy of my FTC report, drivers license and pay stub for address verification. 

For the inquires below please delete them from my report within 4 days of receipt of this information or lawful action will follow. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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