23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was originally serviced by  XXXX   XXXX . I requested several deferments while attending school. I did not realize the impact of these deferments. My original loan balance was {$38000.00}. I have made over 100 payments since   XXXX   totaling over {$36000.00} and now have a balance of {$39000.00}. I have always worked for   XXXX   XXXX   as a s  XXXX   XXXX   and I will soon be  XXXX  in  XXXX . How will I ever be able to pay off these loans?
Product: Credit reporting or other personal consumer reports

I am writing to formally report an issue concerning several of my credit cards that have been compromised due to fraudulent activities. Despite my immediate actions to report the unauthorized transactions to my bank and credit card providers, it has come to my attention that one of these accounts has unjustly been sent to collections. 


I acted promptly in reporting the unauthorized activities and cooperated with all required procedures, providing necessary documentation and information to my financial institution. Despite these efforts, the account mentioned above has been forwarded to a collections agency, affecting my credit standing.
Product: Credit reporting or other personal consumer reports

Credit bureau did an investigation adv that the information came from lender etc. based on the letter sent from count they do not report to credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Months ago, I checked my credit and found that someone at   XXXX   XXXX   XXXX  ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,   XXXX   XXXX   and SS # to apply for a   XXXX   XXXX   credit card. I immediatly, contacted   XXXX   XXXX   and denied the application was mine and requested a freeze on the fraudulent application. my  credit score wa s effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported a dispute with XXXX XXXX XXXX through Experian credit Bureau twice ..first response was Consumer meet FCR reporting ... I sent in documents, notizied by by my bank, with a copy of my Personal ID, and certified..with a Identify fraud imformtion report asking for information on this account ... I received a letter saying it was A '' Bill '' ..I included a copy of the letter also ..with a notice to Furnisher..but Experian allowed the collection agency still report to this account without any information about this bill confirmation ... The so called Bill I received was a typed up letter on the the collection agency letter headed ..with no information or signature of service of what hospital this Account accurate.this is my second dispute with this company..my next step is to file charges with my local courts ..the Bill is from XX/XX/XXXX ..I demand this account be removed off my Credit Report .. Experian and XXXX as not sent me any supporting documents about this account as of XX/XX/XXXX ... This is not my Account.
Product: Credit reporting or other personal consumer reports

The account was a secure card. I used the card for the amount I prepaid and the institution is still asking me to pay the full credit card prepaid amount plus interest. I explained to them that the money that I used was initially my money and that they are causing damage to my credit. 
But they keep reporting negatively on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process Is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
DEPTEDXXXX XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXXXXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX  XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DEPTEDXXXX XXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and it is showing an address I've never lived at, and I would like removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Mortgage

I was preapproved for a USDA loan XXXX 2021. Went under contract for a home XX/XX/2021. Was made to switch agents bc the builder required you use his agent of choice. So switched to XXXX XXXX with Homestar financial. We spoke and he said USDA was a go. I spent over XXXX dollars on upgrades for the home thinking i would be okay with closing costs, etc based on USDA loan. Three days prior to closing i was told i would not qualify for usda and that i would have to go FHA requiring an additional XXXX dollars at closing which was now pushed back to XX/XX/XXXX. I tried to explain to them that my income varies and that they were not calculating it correctly but they would not listem. The change also increased my mortgage payment making it higher than i wanted. I had already invested in upgrades that were non refundable so could not walk away. On XX/XX/XXXX about 30 minutes prior to closing was told i had to have an additional XXXX dollars in order to close. I essentially emptied my savings leaving me nothing left. DUe to the fact i had to use him i could not utilize several XXXX or first XXXX XXXX available to save money. Not to mention the last minute changes left me no time to even be able to try and figure out other options. When i got to closing on XXXX they crossed out some areas and hand wrote on the disclosure which was very confusing. Instead of first payment being due XXXX like it shouldve been it was pushed up to XXXX leaving me 3 weeks before my first payment was due ( which is late ). They also required a years worth of escrow in my escrow account which i have been told is not the standard amt. I am broke, and risk losing this home bc im late with my payments. The whole process was a nightmare and now i am in a position where i dont know what to do. It is not right.
Product: Mortgage

Status Claim XXXX in progress and therefore we need to submit a second claim regarding the same matter. 
We, XXXX XXXX XXXX and XXXX XXXX have followed up repeatedly with Wells Fargo regarding our case of an Escrow Account that they imposed on us and that we have had to repeatedly request deletion of throughout 2016 to date. XXXX and I, XXXX, take the initiative to contact both XXXX XXXX and XXXX XXXX, Executive Specialists of the Wells Fargo XXXX XXXX and XXXX XXXX. repeatedly about the case. Yesterday, XXXX XXXX, 2016, we tried to reach XXXX XXXX and XXXX XXXX. We often end up recounting our case to a backup contact in their group.We asked what the specifics they are seeking to conclude their research. The back-ups typically state that they will pass on a message to have either on call us back. We often take the lead to follow up on as we do not hear from them within the promised 24 hours stated on their phone system. 
***********Therefore their RESPONSE in claim XXXX is not truthful : Response : We 've been unable to establish contact with our customer, XXXX XXXX XXXX however, we did speak briefly to the co-borrower XXXX XXXX . We 'll need additional time to ensure we fully address all of the concerns brought to our attention and provide a thorough response. We appreciate your patience as we finalize our research. XXXX There were one or two occasions that we did not return calls on the same day. There are multiple times that we repeatedly needed to attempts calls to finally get them in person. have followed up repeatedly with this team and have support documents, their letters to us since XXXX XXXX and this does not include their conversations stating that they will close and delete the escrow that occurred XX/XX/XXXX and XX/XX/XXXX! The amounts showing on the Escrow Account, they assigned are payments that they have pushed to the XXXX XXXX County Tax Collector for Property Taxes that we have already paid! Also, they have pushed payments for our home insurance to XXXX XXXX causing confusion as we have already paid those. XXXX took steps to follow up with both XXXX and XXXX XXXX who returned payments to Wells Fargo so that the Escrow account showed a XXXX balance. They keep saying they are working on a deletion. Quiet the contrary, we got an Escrow statement in the mail on XXXX XXXX and they have repeated their pushed payments for property tax and home insurance once again! Due to this situation, we have provided them with XXXX cashiers checks for our agreed on mortgage of {$2600.00} and monthly XXXX has paid them at a local Wells Fargo branch. On their Escrow statement they show that this amount is " on hold ''.
Product: Credit reporting 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.
Product: Vehicle loan or lease

I signed a lease for my a car with BMW of XXXX on XX/XX/2018 and was also sold a Lease Protection program that was built into my monthly payment. I was informed by the finance representative at BMW that I could cancel the lease protection and it I would receive a refund. This was also detailed in the contract that I signed. 

In XX/XX/2018 I requested to cancel my lease protection with the finance manager, XXXX XXXX, at BMW of XXXX and in XX/XX/XXXX I  was provided a form to sign. I returned the signed form via email to the finance manager on XX/XX/XXXX and sent a follow up email requesting confirmation that it was processed on XX/XX/XXXX. I received a response that it would take 6-8 weeks to process and that the finance manager would follow up with the cancellation team to confirm that my request was received. I did not receive confirmation. 

On XX/XX/XXXX I sent another email asking for confirmation of the status of my request, I did not receive a response. I sent another email on XX/XX/XXXX asking for confirmation of the status and received a response that the finance manager sent a note to the cancellation team to check on the status and he would respond to me with an update after receiving their reply. I did not receive a response. 

As of today ( 11 weeks since submission of the request ) I have not received confirmation that my request for cancellation of the lease protection has been processed or completed. I have not received a refund of the lease protection cost as outlined in the contract. I have followed up with several calls to the dealership but the finance manager has not answered the phone or returned my messages.
Product: Checking or savings account

My wallet was lost on XX/XX/2018 and I reported it to the bank on XX/XX/2018 to shut the account down. Bank of America did not shut the account down and continued to allow purchases to be charged to my account. I completed a dispute of all charges totaling over XXXX dollars as they occurred by viewing my account on line. They paid the claim then came back a month later and reversed the claim taking all the money back stating XXXX  XXXX  said I was a regular customer. I informed them that I have never ever used XXXX  XXXX or XXXX  in my life and to get them to provide proof that it was me. Bank of America refused to do so and stated that they were done. I filed another complaint sending in the police report, but they refused to do anything. The police arrested three males with my identification and bank card in their possession. Bank of America was sent that information and still refused to give me my money back. I feel that as a victim of a crime I was being robbed of my rights and taken advantage off. They showed no interest in doing their job correctly and properly investigating this case to the fullest. If that had been done the bank would know that I was the victim and did nothing wrong. Instead the bank took that money back from my account causing me a financial hardship because I was right in the process of buying a home and was unable to pay my bills. The claim number with bank of America is XXXX. I continued to contact them with no resolution what so ever. I am so lost and hurt because someone can steal my money and the bank did nothing about this incident, nor did they protect me and my money. Because they made the mistake by not closing my account.
Product: Credit card or prepaid card

Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX 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

Please check the information concerning Equifax data breach below in attachment
Product: Debt collection

I went to see my Primary Doctor and XXXX XX/XX/2017. I had no insurance and paid out of pocket. It seems that XXXX XXXX XXXX took over and has explained they have been having problems with XXXX XXXX and wrong billing. They asked me to send them an email with the bill attached and no one seems to know who can handle it at this time. This is affecting my credit score and I did not have any lab results or gave permission for them to send it to XXXX XXXX. I tried calling have been passed around in the call center many times and have multiple times to resolve and dispute the charge for {$580.00} that was sent from the XXXX XXXX location to XXXX XXXX, to a collection agency named American Medical Collection Agency who reported it and affected my credit score.
Product: Credit card or prepaid card

I want to close my Comenity Capital Bank/IKEA Project card because they billed me over {$30.00} in late fees and minimum interest for a {$3.00} interest charge that I did not know I owed. I logged into my account online on XX/XX/22 and paid the full balance, {$1400.00}, that was showing. I then was charged {$3.00} in interest on my XXXX statement, which I was unaware of. I logged into my account online today and learned for the first time of the {$3.00} interest and that I have been charged late fees and minimum interest fees. I paid the total outstanding balance. I then tried to close my account. Online it says that to close your account you have to call the Customer Care phone # on the back of the card. It does not provide any other options for closing your account. I called Customer Care at XXXX, which is the # on the back of my card, and it does not give an option to close your account, or to speak to a customer care agent, or to say that you're calling for another reason. The only 5 options it gives you do not apply. After cycling through these options 3 times, I was finally transferred to an agent. She told me that she could not help me and that I had to call the Customer Care #. I told her that I had called the Customer Care # and that it gives me no option to close my account, talk to an agent, or indicate that I am not calling about any of the 5 options, and that I was put through to her. She told me that she could not help me.
Product: Debt collection

On XX/XX/2022 XXXX  XXXX XXXX  illegally sold my account to Resurgent Receivables LLC which was paid and settled already with XXXX  XXXX  XXXX  which I have the letter to prove from XXXX  XXXX, Resurgent Receivables LLC sent me a letter on XXXX XXXX 2022 which I responded back immediately within in 7 days through certified mail letting them know this is not my debt and if they believe it is to verify it I did not receive a letter back from them within 3 months after I sent them the letter to verify and contacted them many times but they are still reporting it on my credit report and it is hurting my credit bad, they are reporting it as a collection account, to resolve this issue I would like them to stop reporting incorrect information on my credit report on all bureaus, Resurgent Receivables LLC are reporting that I owe them XXXX dollars which is incorrect and not my debt I would like them to stop reporting on my credit report on all bureaus