23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was with a group of XXXX from XXXX XXXX XXXX from XXXX ( 2023 ). During this time, my debit card was stolen from my purse and used twice ( i.e., she took it from my purse, used it and then did it again ) ; hence, I never knew my debit card was used until I went and looked at my account on Monday morning. I contacted several of the stores, and even went to XXXX XXXX. The Managers at XXXX, and at XXXX described the person who made the transactions. The description matches that of XXXX XXXX, a XXXX that was recently expelled from the XXXX XXXX XXXX. XXXX XXXX was the only person close enough to me to have done this. I am legally XXXX and require assistance with reading things. So, XXXX was at my mom 's home with me and did go several places with me. I reported all of this to XXXX XXXX, Director of the XXXX XXXX XXXX, and also to the XXXX XXXX Police. The transactions include 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 XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 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 XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Truist Bank denied some of the claims, and is still investigating others. I have been advised by Attorney XXXX XXXX to file this complaint ; and I have also reached-out to the Attorney General 's Office.
Product: Credit card or prepaid card

I signed up for text alerts with Prosper for f them to send me a text when my payment was five days before it was due. I also signed up for email that would tell me when my account would be due in five days. I did not receive an email and I did not receive a text. I was then alerted on XX/XX/XXXX at XXXX XXXX through an email that my bill was due. However, my bill was actually due on XX/XX/XXXX. This means I shouldve received an email on XX/XX/XXXX and a text on XX/XX/XXXX. I did not receive either. On the afternoon of XX/XX/XXXX at about XXXX XXXX I received a text and an email telling me that they lowered my credit limit from {$2500.00} to {$850.00}. I called immediately and asked what happened my credit score did not decrease and I did not owe a payment. They told me I did owe a payment, and I explained that I received no notification of this when I had signed up for all email and text communications. The lady I spoke with instructed to me that she was sorry there was nothing she could do. She indicated they would re-review the account within a year. I told her I could pay the minimum due, and would have had I known that it was due. I asked if there was any kind of grace period or if there was any thing they could do to help me out since I have been a loyal customer. She apologized and said no. 
I am very frustrated with prosper, and disappointed that they would treat a customer with such little regard. Such a decrease in credit limit affects my credit significantly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information about me. Someone started my XXXX credit card then made fraudulent charges of only {$17.00}. 

I sent Equifax an ID theft affidavit and a police report but Equifax is still reporting false, fraudulent information above me in violation of the FCRA.
Product: Credit reporting

EQUIFAX has been pleasant to deal with for the most part but the keep reporting a dept from XXXX that was from 2005 and I am pretty sure it is passed the statue of limitations and should have been removed by now. 

There is also payment history from XXXX XXXX XXXX and XXXX that need to be removed for the same reasong ; they are too old to still be reporting.
Product: Credit reporting or other personal consumer reports

Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only one inquiry was removed in my XXXX credit report, but the rest of the items were still reporting in my 3 Credit Reports. And I need them REMOVED from my credit file. I am requesting the XXXX, XXXX, TransUnion to please see the items I listed here in this complaint for you to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company XXXX XXXX XXXX . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my XXXX, XXXX, AND experian credit reports, it only it should show 4 open accounts total XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX my XXXXXXXX XXXX XXXX XXXXunt when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Bank Of America XXXX 14 Years ago.In XX/XX/XXXX I enrolled in National Debt Relief program to be able to pay my bills off. I was having a financial hardship.After enrolling I put stop payment on all XXXX XXXX deduction The date was XXXX XXXX. I had three other accounts that I allowed them to get payments from my account. I contacted all three and gave them the information of this Debt company. On XX/XX/XXXX The bank allowed XXXX   XXXX to once again take XXXX from my checking account I disputed this the bank gave me my money back.I put stop payments on this account to prevent this from happening in enough time. The bank told me th change my debt card. I did that and on XX/XX/XXXX The bank allowed this to happen again.XXXX deducted.The company got the money by changing their name to XXXX XXXX I disputed this the bank put it back in my account. On XXXX XXXX. The bank once again. Took this money from my account.This is fraud This company name is XXXX XXXX not XXXX XXXX The bank is wrong to give them my money. I have been on Social Security for 14 years and I put my trust in this bank. That money came from my disability check.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX  on XX/XX/2023 and saw a collection from L J Ross that is not mine. I have tried to remove this collection since then but have failed to do so. Please help me because this collection is having a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of inaccurate and negative items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following items : I have disputed these items multiple times with the credit bureaus ( XXXX, Equifax, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the removal of these accounts from my credit report. 

The continued presence of these negative items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Thease accounts should be promptly remove immediately : XXXX. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance Owed : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. CAPITAL XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - 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. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}
Product: Debt collection

I SOLD A XXXX XXXX XXXX IN XX/XX/XXXX FOR {$1500.00} THE PERSON I SOLD THE VEHICLE NEVER TOOK THE VEHICLE OUT MY NAME OR REGISTERED THE VEHICLE I FILE A NONOPERATION PAPER ON VEHICLE INXX/XX/XXXX THE LAST TIME I SMOG IT WAS XX/XX/XXXX SO THE PERSON COULD NOT DRIVE IT OR PUT IT ON STREET SO I FIGURE HE HAD IT IN STORAGE I GOT A IMPOUND LETTER IN THE MAIL FOR VEHICLE AND A LIEN COLLECTION PAPER I SENT ALL THE INFORMATION HAVE ON THE PERSON FROM THE IMPOUND PAPERS WITH HIS NAME CERTIFIED MAIL TO THE LIEN COMPANY LIEN ENFORCEMENT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 frustrated as I am tired of going back and forth with these agencies. I am not going to spend another dollar on mailing a dispute to Transunion. I demand that this agency complies with the FCRA. Attached is a new dispute letters together with 2 forms of ID. Comply with the FCRA or face legal action
Product: Credit card

Barclay Bank of Delaware opened a fraudulent account in my name when someone applied for a credit card in my name using my information that was stolen when I was the victim of identity theft. I have notified Barclay that this was a fraudulent account and I provided them my police report where I reported the identity theft to the police, my identity theft affidavit, and other identifying information and I let them know this account was fraud. Barclay has refused to remove this fraudulent account from my name and social security number even though I complied with the FCRA and made them aware that it was fraud and provided the proper documentation. XXXX had deleted this fraudulent account from my credit report several years ago, but Barclay 's has asked XXXX to reinsert the fraudulent accounts Barclay 's is violating the law by continuing to report this fraudulent information against my name and social security number
Product: Checking or savings account

I received a replacement card for my XXXX XXXX account which wasnt a metal card which I qualified for they stayed promotion was over I argued with multiple representatives some said ok we will get u new metal cards others stated no we dont do that anymore it is what it is I really dont care about that account is closed my issue is they refuse to give me a reason why my account was closed they also refuse to return my funds that were in put in the account stating they were made available when they were not they closed it before I could even access
Product: Checking or savings account

On XX/XX/2022, I notified Citibank of a dispute with a purchase made on the account on XX/XX/2022, in the amount of {$490.00}, and on XX/XX/2022, and XX/XX/2022, upon request, I provided a detailed explanation, in writing, of the dispute. However, on XX/XX/2022, I receiver a letter from Citibank stating that " we have received your recent correspondence regarding the above transaction however, we are unable to intervene on your behlaf. Without a valid Cancellation Proof, we no longer have any recourse to obtain a credit for you through XXXX XXXX. You must contact the the merchant directly to puruse this matter further. '' By letter dated XX/XX/2022, I notified Citibank that it miscoded the dispute, and reiterated the basis for the dispute. Specifically, I explained that " this was a face-to-face transaction. The service was promised on XX/XX/2022 ; however, it was not received nor rendered on the date promised. Furthermore, I did not agree to any of the merchant 's terms and conditions, and did not sign any documentation provided by the merchant since the service was not received nor rendered on the date promised- which is proof that the service was not received nor rendered on the date promised. '' I also advised Citibank in that same letter that " the sale transaction reeipt was not signed authorizing the merchant to charge the transaction to the account. '' I therefore requested that that merchant provide a valid cardholder signature that authorized the transaction to be charged to the card. I pointed out that " unless the merchant is able to do so, it is not entitled to retain the funds and this transaction must be charged back to the merchant. '' Despite this correspondence, Citibank has failed to do anything or take any action to resolve this dispute.
Product: Mortgage

Bayview keeps writing to me about my past due payment. I made a payment arrangement for the payment to come out on XX/XX/2018. But somebody took out money they wasn't suppose to and caused it to bounce. Bayview doesn't need to keep writing to me constantly because I know the payment is behind. But I have made two payment arrangements for XX/XX/2018 and on XX/XX/3018.  I have also requested for my payment to be lowered. But i haven't heard anything back from them.
Product: Credit card

I signed up for the XXXX credit card with Bank of America. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen.
Product: Debt collection

On the date of XX/XX/year>2024 a letter was sent out challenging the inaccuracies of this companys claims. The letter was returned to sender without any validation, removal, or changes.
Product: Debt collection

I took classes at university of XXXX and all classes were paid by student loans or grants. I have pictures from their web site saying all classes taken were paid also showing a XXXX balance on the payment screen! Yet they are reporting to experian that I owe them {$4700.00} written off. {$4700.00} past due as of XXXX. This is not correct! I even withdrew before the withdraw date so as to not owe them money! How can their website say one thing and then report another and they get their money directly!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

CREDIT BUREAU EXPIRIAN INCORRECT INFORMATION LOW SCORE MUST BE UPDATED TO HIGHER SCORE, My name is XXXX XXXX XXXX, during the pass year of XXXX and XXXX, I have call EXPIRIAN,  for few different reasons, one XXXX XXXX XXXX collecting {$240.00} from a account don't exist any more, also the correction of punctuation is to low and I have been penalize by creditors do to a low SCORE punctuation, I understand each company is different, but regarding the score and removal of certain information by know I should by on a higher position today, again I have penalize denied from creditors because this numbers are hurting my score, I ask today to the office of CONSUMER FINANCIAL PROTECTION BUREAU, to complete a full investigation and I pray that with in next 30 day my punctuation can be some what higher than XXXX, XXXX XXXX and XXXX XXXX XXXX and any other should be corrected properly, also I take this few moments to ASK for the correction that has been dispute for ever and that is XXXX XXXX, this account was never ever late, it was a transition of payment, were a check process was not add on time, do to a fact that payment was also at the time was been summit-ed on online payment, do I have any evidence no, but I know it was never late, have I complain on this yes many times, House was sold and I have no evidence is why this company has taking advantage, but I was never late, have I call dispute on expirian yes but they dint care therefore I pray this can be fix or removed. 

Thanks Respectfully Mr.XXXX
Product: Student loan

I have tried to call several times and get placed into forbearance as I have now served over 10 years and have the necessary payments. Ive been told 2x now I could be placed into forbearance while the number was under review but I havent been and I can never get a hold of them in a timely manner as well as when I do, it gets escalated and I get put on hold for eternity. 

I want forbearance. I want my money back that is post submission of my documents since I should no longer be paying. I dont have time to deal with this terrible servicer as Im STILL SERVING.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, I submitted documentation of resolution letter from XXXX to XXXX, XXXX and Transunion. 
I have called XXXX, Transunion and XXXX and they have have reviewed the letter but they all say XXXX is furnishing this information which is inaccurate.even after I have sent this over several time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of XXXX XXXX  XXXX XXXX XXXX XXXX  data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and Santander Consumer USA {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX  and XXXX do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.