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

I had gone into the XXXX branch in XXXX XXXX NY on XX/XX/XXXX. To apply for opening mortgages for six properties in XXXX PA. XXXX XXXX was the mortgage broker I dealt with as well as his branch manager XXXX XXXX and XXXX XXXXd ( it had to be escalated to the VP of XXXX County ). He informed me that after he has all my information and paperwork required, he would run my credit. I said he may only run my credit ONCE. He made two hard inquiries on my credit, one with my knowledge on XX/XX/XXXX and the other without my knowledge on XX/XX/XXXX. All within almost a 30-day period. I had then received 5 commitment letters from XXXX XXXX and the loan processing office in Ohio, on XX/XX/XXXX. Which I signed all 5 letters and sent them back, that day. For some unknown reason, which XXXX XXXX did n't inform me, until the closing of the 4 properties. He stated, '' Lets close on these 4 properties, then we will close on the last one after ''. I asked why and he said, " It makes things easier ''. I complied with his 30 years of experience, he had made a point to tell me in the beginning of the process on XX/XX/XXXX. We only closed on 4 properties which took 5 months to close on. He never reached out to me to close on the 5 properties. I had to escalate it to the VP XXXX XXXX. I tried to explain to XXXX, the situation and sent him an email of my signed commitment letter. We had a few correspondences and he not to worry, we have your credit report on file for 120 days. XXXX got back to me on XX/XX/XXXX, telling me there is nothing he can do, the commitment letter has expired and they must redo my application over. I had him send me that in an email. I have not gone through with the application process again. I do not want to run my credit for the third time. I lost that property too. I have all supporting documents to support what I mentioned today.
Product: Credit reporting, credit repair services, or other personal consumer reports

*NOT A DUPLICATE**NOT A DUPLICATE***NOT A DUPLICATE**** ****READ BEFORE CLOSING***READ BEFORE CLOSING**READ BEFORE CLOSING* THE ORIGINAL DEBT WITH WFDS WAS CHARGED OFF BY ME ON XX/XX/2015, YET THIS ACCOUNT INACCURATELY SHOWS THE ACCOUNT AS OPEN/UNSATISFIED. Complainants Information : XXXX.XXXX.XXXX. XXXX XXXX-XXXX-VA-XXXX.
Product: Payday loan, title loan, or personal loan

A company called cash 2 U loans has had me paying on a XXXX dollar loan in payments of any where from 70 to 100 dollars since XXXX of 2019 and the loan is not yet paid off they have been drafting unauthorized payment out of my checking account Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or deleted immediately.
Product: Student loan

My loans are now handled through Navient. Since I began my repayment after going through the rehabilitation process, I have very carefully noted my daily balance as often as I can. A couple of months ago, I noticed a fairly significant leap in my balance and emailed Navient to get some answers. I got a stock response that never really addressed the issue, my balance was adjusted back to where it should be, and all correspondence about this complaint were erased from my messaging history. Also about a month or so ago, my balance jumped again, this time they claimed the interest compounded. I do n't fully understand that, but I got no warning or information until I emailed them about my jump in balance. Leaves me with little confidence they are doing right by me. The fees for my loan are also severely hefty in comparison to my balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX DeXXXX The following accounts are making it really difficult for me to access the everyday necessities needed to live. They are reporting as late each and every one of them I am disputing inaccurate and/or unfair reporting on my account in accordance with my consumer rights under federal law Dept EDU/XXXXXXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX Account number XXXX. Please review the following legal provisions that support my dispute : 5 USC 1666b Timing of Payments This provision mandates that creditors apply payments in a timely manner and according to consumer agreements. If a payment was not properly credited or was delayed in processing, it may have led to inaccurate reporting or unfair fees. I request a full review of payment application and correction of any errors.

15 USC 1681a ( 2 ) ( i ) Definition of a Consumer Report Under this section, my consumer report must contain accurate and verifiable information. If any item on my credit report is outdated, unverifiable, or incorrect, it should be removed or corrected immediately. Please provide documentation verifying the accuracy of the disputed information.

15 USC 6802 Financial Privacy Rule This law requires financial institutions to protect consumer privacy and obtain consent before sharing nonpublic personal information. If my financial information was shared or reported improperly, I demand an investigation and corrective action to safeguard my privacy rights.

Based on the above laws, I request immediate investigation and resolution of my dispute. Please provide a written response detailing the results of your investigation within the required timeframe. If the disputed information can not be verified, I demand its removal or correction as mandated by law. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXXXXXX Balance : {$56000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Gift cards that not used - the expiration date on the cards was what i went by - however, not TD Bank they took most of the funds on the cards.
Product: Credit card or prepaid card

In XX/XX/XXXX I received in the postal mail an offer to receive the Southwest Rapid Rewards Chase credit card. The offer included a 0 % interest rate for 12 months from account opening. The exact invitation number on the offer that I entered when I applied was XXXX. I received the card in XX/XX/XXXX, and chase has charged interest in the amount of {$170.00}, when the offer clearly stated 0 % interest for the first 12 months.On XX/XX/XXXX, I logged into chase.com and emailed them via the secure message, and attached the original offer letter showing the 0 % promotion. Why have they been charging me interest? They keep deflecting my secure messages with information that is not related to my problem. Can they check that offer invitation number from XX/XX/XXXX, and see that it offers 0 % interest for 12 months? I saved the original offer letter, which I attached to my secure message, so they could verify what I should have received. I received the card stated on the offer letter. ****Please help chase to understand that I should not have been charged any interest for the first 12 months of account opening in XX/XX/XXXX. THEY NEED TO HONOR THE WRITTEN INVITATION NUMBER THAT I ENTERED WHEN I APPLIED FOR AND RECEIVED THE CARD THAT STATED ZERO PERCENT APR ON PURCHASES FOR 12 MONTHS FROM ACCOUNT OPENING. Thank you
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft resulting from a recent data breach that compromised my personal information. Due to this incident, several fraudulent accounts were opened in my name without my consent. I am invoking my rights under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), to request that these fraudulent accounts be blocked and permanently deleted from my credit report. 
Please find below a list of the fraudulent accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$340.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$330.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$830.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$230.00} XXXX. XXXXXXXX XXXX  XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX. - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows up on my credit reports as charge off. Card was never payed late ever.
Product: Credit reporting or other personal consumer reports

I I received a copy of my credit report and I was victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to submit a payment to my XXXX XXXX for {$570.00}. This was done before my bill and statement was due. But I was unaware that the payments were connected to my savings instead of my checking. This caused my account to show up as a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are on my Equifax credit report and I did not authorize these inquiries. I have disputed these inquiries with the companies and credit bureau and no action has been taken to remove these illegal inquiries. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On Wednesday, XX/XX/2022, Bank of America, with whom I have an Alaska XXXX credit card, opened a savings account without my permission or notification, ( until today, XX/XX/2022 : 5 days later ). Currently they have it arranged such that I can only pay my BoA credit card from the unauthorized BoA savings account. I have been on hold with them for an hour and counting after briefly talking with a representative about the nature of the problem : she said she could not handle the problem and was directing me to the correct department. My next credit card payment due date is XX/XX/XXXX. I am not willing to be forced to deposit money in the unauthorized savings account in order to pay my credit card on time, as I have previously set it up with my personal checking from another bank and have never, not even once, been late on a payment. If they do not resolve this within the next 4 days, we are at an impasse.
Product: Checking or savings account

On XX/XX/24 {$200.00} was taken fraudulently from my checking account via my debit card through SoFi bank and used to fraudulently make XXXX purchases of $ XXXX totalling {$200.00}. I have tried over XXXX times to get sofi to return my money. The {$200.00} is still, to this day, sitting in my XXXX play account, completely untouched. I've reached out to XXXX play multiple times to report the fraud and request a refund, and I was told, every time, to reach out to my banking institution. SoFi has refused to return my {$200.00} and claims that I failed to send in any documentation, but I have several emails showing all the documentation that was sent, they've failed to tell or send me any documentation showing why both my initial dispute and the appeal were denied. I have also been told over phone, not requested by email, that more documentation was requested yet I never received the email and nobody on phone would tell me what documentation is being requested. As soon as I reported the initial unauthorized use of my debit card, SoFi immediately cancelled that card and sent a new one in the mail. I am now on my XXXX appeal of this, with no answers, still no communication as to why my appeal was denied, when it was denied, and why I was not notified within their XXXX  day time period. They are a horrible bank that seems to have an " invisible '' back office that supposedly makes ALL the decisions yet can not be contacted by customers or the Sofi account managers or representatives. You'd be better off allowing the local crack head handle your money and investments, honestly. STEER CLEAR of SoFi at ALL costs!
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loans were originated in Sallie Mae. As a XXXX, for years I completed documents with my employer a XXXX  for XXXX  XXXX  to cancel my student loans. After nearly cancelling all of them However, Navient acquired the loans and now it appears I owe them {$27000.00} This amount is appearing on my credit report lowering my credit score. I am aware Navient has a lawsuit for misdirecting borrowers and I believe was one of them.
Product: Debt collection

I received a Writ of Garnishment and it said I had 28 days to respond with either an exemption for garnishment or a dispute. I was going to send in the exemption because I owe child support, plus take care of my 4 children and wife in my own home. The following day after receiving the documents I found out my check was already garnished! I didn't even get a chance to turn in the exemption before they started the garnishment. I sent in the letter anyways and by this time I had gotten another garnishment of my paycheck. I dont even know what this debt is for. It says no where on the paperwork what it is and who it is for. Just Allianceone Receivable. I am trying to save money because of the COVID-19 shut downs. I am losing my job soon, this couldn't have come at a worse time. I turned in the Exemption form and they are threatening me with more attorney fees and charges if I don't withdraw my claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX  " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX  " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX XXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Debt collection

I discontinued service with XXXX on XX/XX/2016 and paid a final bill of {$150.00}. I was billed in to the month of XX/XX/XXXX for the amount of {$260.00} which was turned over to Credence debt collection after several attempts with calls and letters to XXXX to get the matter resolved. I have disputed this bill with Credence, XXXX, TX XXXX, Phone XXXX although I spoke with someone in XXXX email XXXX. I appreciate your assistance in this matte
Product: Debt collection

I have 3 collection medical that aren't mine I don't know who told the hospital that.. I attached a photo of the information thank u
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I reported inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in the hospital they order a product for my use, I never received they keep calling me and asking me for payment. 
I told them if they send the item that I never received they have to billing Medicare and Medicaid. I am XXXX XXXX XXXX and received full assistance. 
Still they harrass me on the phone and now send me to collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting inaccurate information and never had a result from a dispute it has been past two to seven years I have been disputing the same, and new stuff on my credit report, old stuff older than seven years still on my report dropping my score for no reason inquires from companies I have no clue about I have paid off accounts and none of the information is on my credit report reflecting good points I have paid on time on all the other accounts and my credit score is still low I didn't think you had to be in debt to get a good credit score I thought when you are in good standing with a company for paying on time and off debts what counts credit bureaus I feel hurt more then they help consumers I have tried over the last few years to make corrections and work on my credit but I am at a standstill as if the credit bureaus are hindering my chances to move forward to be able to get a better interest rate on loans for the ability to get a better home the abitlity to live a better life I feel it is unfair for companies to resale accounts that are more than 7 yrs old especially when a consumer apply for credit cards or loans there is insurance that cover the cards or loans just in case the consumer become ill or death occured but my argument is with the three credit bureaus low scoring, not disputing complaints long waits to talk to a human some unprofessional reps talking down to consumers the list goes on but it is consuming to be denied fairness for so long I shouldn't have to have a purse full of credit cards more than one car loan or too many personal loans to get a good credit score that is what put in debt they get overwhelmed to pay back and have health problems, divorce, XXXX etc ... because of being overwhelmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, a few minutes ago I got a letter from " XXXX XXXX XXXX XXXX '' Where I owe them {$57.00} where the creditor is paypal, I don't owe anyone anything I started looking for information on the Internet where they basically explain that they received this letter charging, some explain that it is due to identity theft or due to a security breach by paypal, since in the official forum of paypal many people received this letter in which they allege that they received this letter with an invoice, and paypal has not done anything to solve it, There have been several times in which I receive fraudulent emails with the name and stamp of paypal charging me in which I call and ask if I owe them something and they tell me that it is a fraudulent email and that I send the complaint to an email that they have special for that I hope I don't have to sue them