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

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Account Name : XXXX XXXX XXXX Account Numnber : XXXX Amount : {$3300.00}
Product: Credit reporting or other personal consumer reports

My student loan records from XXXX, including payment ( credit ) history, was illegally shared with the Department of Government Efficiency ( DOGE ) and agents and/or subcontractors of DOGE. XXXX is not responding to inquiries regarding this matter.
Product: Credit reporting or other personal consumer reports

I had sent over a cfpb dispute with a fraud affidavit in XXXX. According to the to the credit reporting laws especially section 609. They were supposed to delete all fraudulent accounts and info on my credit report within 4 days. I have a certified return receipt and they are violating the laws and my rights. The bankruptcy is not being investigated. I know because I went to the listed court. They are not reporting this fraudulent information. There are student loans listed where Ive never applied for such loans. Theres multiple accounts that I didnt initiate and its all listed in the CFPB identity theft affidavit. They are not honoring it. They are in clear violation of the law and I want to be a part of the lawsuit against them. Delete information immediately!!!
Product: Student loan

I believe Great Lakes is over calculating interest amounts in their favor and therefore overcharging all their account holders for student loans. I friend of mine discovered that Great Lakes was charging a XXXX over every month on his student loan so I decided to check my loans as well. One of my loans with Great Lakes was overcharged a XXXX as well. Overcharging XXXX XXXX on millions of loans could be occurring and I'm asking the Bureau to investigate. Below are my figures to back up my claim. 

Principal Balance : {$720.00} Interest Rate : 3.150 % Last payment : XX/XX/2018 Today 's date : XX/XX/2018 Days difference : 20 days My formula used ( Principal Balance * Interest Rate ) XXXX # of days = interest amount My formula with amounts : ( $ XXXX % ) /XXXX*XXXX = XXXX However, Great Lakes states my interest is {$1.00} which is XXXX XXXX over. 

Please open an investigation.
Product: Money transfer, virtual currency, or money service

I listed a {$1500.00} sofa on XXXX XXXX. Scammer sent photos of fake XXXX transfers claiming I had to first send him {$250.00} in order for his {$1500.00} to go through - claimed it was a business account requirement. I fell for it. My bank Wells Fargo will not cover under insured account even though weve been their customer for over 40 years. The scammer asked for a second transfer and I blocked them at that point.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.
Product: Credit reporting or other personal consumer reports

For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX  Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number : XXXX  Amount Owed : {$0.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX  Amount Owed : {$960.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$480.00}
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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: Credit card or prepaid card

I first contacted Bank of America when the charges were filed on my account I made a claim with them I was XXXX at the time of his charges but they did a Investigation in said that I did the front of my own account and they were not going to give me back any of the fraud charges on my own account I then really thought they were giving me back the funds so I called and reopen the claim I heard no response back from them whatsoever I then contacted the XXXX to file a claim with them I heard one time from them and they leaving me a voicemail I tried responding back numerous amount of times no response no emails nothing and also the XXXX it hasn't had any response from them as well XXXX  Case number is XXXX I am at a point where it's been almost three months and nothing is getting solved So I am contacting you guys as well to see if there could be in response to you guys because I'm not getting any help from Bank of America on there and I'm also not receiving any of my unemployment from XXXX for almost 2 months. Because of them say i am XXXX This fraud charge was {$1200.00} so I need to solve this problem please thank you
Product: Credit card or prepaid card

I ORDERED 2 PRODUCTS ON LINE OFF A XXXX AD ... XXXX XXXX AND XXXX.. FOR {$6.00} AND {$680.00} ON XX/XX/2019 IT WAS A SIMPLE ONE TIME ORDER ... THIS ORDER WAS DELIVERED. THE NEXT MONTH I NOTICED A CHARGE FOR {$89.00} AND {$89.00} ON THIS SAME CARD..I DID NOT PLACE THIS ORDER. I CALLED AND WROTE MY CREDIT CARD CO AND THEY REVERSED THE CHARGES ... .THEN THEY SENT ME A LETTER SAYING THEY HAD REVERSED THEIR DECISION.. AND RECHARGED ME FOR THIS PRODUCT I DID NOT ORDER..I CALLED AGAIN AND THE CONSUMER SUPPORT PERSON TOLD ME I HAD TO CHANGE MY CC # TO STOP THESE UNWANTED DELIVERIES ... I DID.. THE NEXT MONTH I RECEIVED ANOTHER PRODUCT AT THE HIGH PRICES,,, I HAVE HAD THIS HAPPEN TO ME ONCE BEFORE ANT THE CC COMPANY QUICKLY AND EASILY REVERSED THESE CHARGES, BUT XXXX IS SIDING WITH THIS DECEPTIVE MARKETING MERCHANT.. THAT IS WHERE WE ARE NOW ... ORIGINAL CC # XXXX NEW CC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in my favor, also Midland LLC did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self
Product: Debt collection

Identity was stolen by my XXXX XXXX XXXX and alot of accounts the used my dad 's info to open account. My dad and I bought have the same name.
Product: Credit card

My bank sent a payoff to my credit card company ( with Home Depot ) on XX/XX/XXXX to an address that the credit card company provided to them. The credit card company cashed the check and it cleared on XX/XX/2016. The check was sent with a letter to payoff and close the account specified on the letter and the check. As of today it has not posted to my credit card and the account is still open. Home Depot can not locate where the payment was applied and has basically refused to work with me or my bank. Copies of the cleared check ( front and back ) has been faxed to them multiple times and they can never locate the fax. Every time I call Home Depot it is a different person I talk to. No notes are ever made from previous calls so I can be certain that no-one there has attempted to address the situation which started early XXXX. I received a call from the collections department today stating that my account is past due and there are late fees and interest that have been applied. The story was explained again and she was unwilling to help in researching where the payoff check went.
Product: Credit card

Hi I had an issue with an purchase that I ordered back on XX/XX/2023 The sales representative XXXX never added the table to that order. When the furniture came in on XX/XX/2023 The table was not ordered which meant I have to go back to the store a thrid time and they were trying to charge me for delivery. Initially stated at that time that I did not want to order anything else from them however the sales manager stated that she wanted to make it right at that time we placed the order, which the soonest was XX/XX/2023. With hesitation I finally agreed. On XX/XX/XXXX a women named XXXX then called me and advised that I would not get it the table till XX/XX/2023 that time I made another trip to there location, Spoke with the manager at that time called the store to make sure there was an order for it on XX/XX/XXXX. My phone was off by accident and they called me I called them right back about XXXX. Later at that time they stated they could not bring it back and that I would have to pay for an delivery fee I asked the manager at that time what am I getting compensated for they then stated they would have to charge me and I advised them if that was the case that I did not want the table and will take my business elsewhere, Which resulted in them retaliating and closing the account.
Product: Debt collection

This company : " CEDARS BUSINESS SERVIC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX or ( XXXX ) XXXX '' has reported a fraudulent collection to my credit report without notifying me. When I have disputed it they have " confirmed '' the debt was correct without speaking with me. When I redisputed the debt they tried to get me share personal information about myself without any verification of who they are of who they represent. I have numerous times asked them to send me a letter verifying what debt that I allegedly owe but they have not done so. This has been a dispute that has been over a month and they have still not verified my alleged debt or given me written notice of such a debt.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wakefield & Associates XXXX XXXX XXXX XXXX, TN XXXX To Whom It May Concern : I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. I am sure that you are aware of the provisions of the Fair debt collection Practice act ( FDCPA ) so I am requesting full validation of this debt. 


Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promise to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
Date of last activity My full complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
The obligation between you and I that allows you to collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo identification ( i.e., drivers license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. 


Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

An over draft and I didn't authorize any of the last few transactions in order to get money off my card
Product: Credit card or prepaid card

Macys debt protection program has been taking money from me for 13 years! I finally found out about it and they wont do a XXXX  thing besides say we will escalate the issue well its been escalating for 120 days now and still nothing! No one has phone numbers or contacts to anyone, but now Im just finding out its Citibank who is responsible. Even Macys corporate office had zero answers for me. Plus no one can show me any documentation of my enrollment into this scam, My balance is XXXX $ and the amount that you have taken from me should be refunded to my account and XXXX  out! 13 years Ive been scammed by you and Macys and no one wants to take any type of responsibility but you both have no problem taking my money, and I want it back!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) 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 tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 modity accounts tat isnt XXXX correcuy. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my ZA instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dear Consumer Relations : In Re : loan # XXXX I am writing to file a complaint with your agency in regard to my mortgage company ( Nationstar Mortgage ) proceeding to a scheduled sale of my property XX/XX/XXXX. I also like to state, I am at the end of the process of completing a Deed-in-Lieu ; and for Nationstar Mortgage to use this tactic to force foreclosure sale of my home would be detrimental. 

Furthermore, I have contacted Nationstar Mortgage several times to urge them to please cease the sale until they received the necessary Lien release/paid in full documents from HUD County. The mortgage company has release a payment of {$6000.00} to HUD county XX/XX/XXXX. XXXX ( HUD county ) stated it will take 30 to 60 days to forward the information over to XXXX ( Nationstar Mortgage ). I am at the very end of completion and to simply do n't allowed the time to received the documents is just ridiculous, this due process is called dual tracking and refers to the practice of a mortgage company running the foreclosure process at the same time of running the loan under Deed-in-Lieu process and this is a violation of the National Mortgage Settlement. 

Lastly, I have submitted my Hardship Affidavit XX/XX/XXXX, and the application to XXXX ( Collateral Liquidation Specialist ) who is working delinquently on my file. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX
Product: Bank account or service

I signed up for Wells Fargo Merchant Services to add credit card acceptance to my XXXX. I was not informed that there would be a significant monthly charge for the service ( {$30.00} ) and I was not informed that there would be a very large termination fee for the service ( {$500.00} ). These fees are extraordinary in my experience with credit card processing services. I have terminated the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$2100.00}