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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on US DEPT ED Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my US Department of Education ( US DEPT ED ) account on my credit report. These errors have caused unnecessary harm to my creditworthiness and violate federal consumer protection laws. 
Issues Identified : Incorrect Payment History : Your records indicate late payments for XX/XX/XXXX through XX/XX/XXXX. These entries are false, as the account was in deferment status during this time. 
Noncompliance with the Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 USC 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the maximum possible accuracy of the information reported. This has not been adhered to in this case.

Account Misclassification : The account is listed as " Late 120 Days, '' which is inconsistent with the deferment documentation. 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late 120 Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Resolution Sought : I am requesting that Equifax conducts a comprehensive review of this account and removes the inaccurate late payment entries. Please provide written confirmation of these changes within 30 days of receipt of this letter. Failure to address this matter will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning these inaccurate accounts below. 

XXXXXXXX XXXX Account # : XXXX Account # : XXXX I request urgent attention to rectify these disparities and they must ensure a consistent and accurate representation of my credit history across all bureaus. Failure to provide the exactness of reported information will result in further removal of these accounts as declared by the Congress in terms of accuracy policy. 
As per FCRA Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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

Discover is trying to charge me for fraud charges made on my account. I alerted them to the fraud and they refuse to remove the charges. The fraud amount to {$8200.00}. 

Discover says they don't have to remove these charges because a security hold was removed over email. 

I can be contacted at XXXX XXXX XXXX, for more details. 

XXXX XXXX
Product: Student loan

These student loan accounts have been transferred multiple times and is duplicated reporting on my credit profile. I was never late and was on an approved deferment during the time it states account was late. Accounts need to be shown as paid as agreed and never late. In addition, I believe the company purposely swayed me not to repay and declined all forbearances and more than doubled the amount owed making it almost impossible to repay. It appears as though this company used unethical practices when offering repayment options.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Received a CHIME debit card in the mail that I did not ask for or want.I called their customer service # XXXX XXXX XXXX it was answered by a XXXX.I 've requested a call back and have not received same.The robot did identify me based on my home number.It appears that someone is attempting to open an account in my name in order to redirect my income to a XXXX XXXX  account routing # XXXX account # XXXX 've emailed XXXX XXXX to try and stop any activity.
Product: Credit card or prepaid card

My XXXX XXXX  XXXX with XXXX XXXX XXXX was transferred to Capital One with no clear notice it was changing banks. The letter indicated new account could be set up after XX/XX/XXXX however I didnt receive new card until XXXX & could not access online system at all because they entered my Birthday wrong. Payment in new system was due on XXXX but I never received card or bill to pay from for new account. Bank charges fee & told me even once Birthday corrected couldnt access online for 72 hours. I am one of many transferred & they only allowed 7 days from the time new system was active until payment due. If any errors in transfer this delayed set up additional 3 days & you must set up payment 2 days ahead of time so they did this in a way that guaranteed fees to most customers in the conversion. The bill due in XXXX was from XXXX XXXX XXXX not Capital One so how would you know the payment should be sent to Capital One. Statement even had old account numbers not new ones.
Product: Checking or savings account

I notified US Bank that a transfer of {$11000.00} was not authorized by me on XX/XX/XXXX. A claim was filed by US Bank, and I received a letter dates XX/XX/XXXX that the claim was denied. I requested the documents, which they mailed to me. I made calls to US Bank XXXX XXXX department to assist me in getting my money back. I made many phone calls to US Bank to dispute that this transfer was authorized by me. I called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Each time I called US Bank told me to call XXXX XXXX, as an account had been opened in my name at this bank, and this is identity theft and XXXX XXXX  is responsible for returning the {$11000.00} to me. I made several calls to XXXX XXXX  and they informed me that US Bank had filed the claim incorrectly, and therefore they are not responsible for returning the money to me. On XX/XX/XXXX I called US Bank fraud liaison and told them the claim was filed incorrectly, they told me they submitted the claim correctly. I received a letter stating they received the claim and I sent back another affidavit. I called back a week later to check on the status, and they stated they did not hear back from XXXX XXXX, and XXXX XXXX  still had business days to respond. I never heard back, and called back again. I was told the claim was denied, and I would have to get the money bank from XXXX XXXX. When I called them on XX/XX/XXXX they stated they did not receive the the XX/XX/XXXX claim from US XXXX, so they could not refund the money. They stated if US Bank could prove the claim was submitted, they could review. They stated that 60 days had passed and it was too late to submit a claim. They stated US Bank would have to refund the money. I called US Bank again, to see if they would send the XX/XX/XXXX claim to XXXX XXXX. They stated they would not, they submitted the claim correctly. The identity theft was at XXXX XXXX, amnd I would have to contact them again, as they needed to submit the claim for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$0.00} CARVANT FNCL XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting

There is a judgment being reported by Equifax Credit Bureau from XXXX XXXX XXXX. The Credit Bureau insists that they have verified this information however the court asserts they have not. The case was dismissed without prejudice with no judgment and the bureau continues to report this information. It is Judgment with CIrcuit Clerk - Case ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX provided to XXXX and Transunion. I have circled the items I dispute on the attached copy of the credit report I received. 

This XXXX XXXX account opened XX/XX/2017 is inaccurate because Its not in collections, it has a XXXX balance and has not been active in quite some time. This needs to be removed from collections section on my credit report. 

I am requesting that XXXX XXXX have the inaccurate information removed from the my credit report. Enclosed are copies of of my credit report with the account in question supporting my position. 

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.
Product: Debt collection

I received a phone call from a debt collector, on Friday, XX/XX/XXXX called direct recovery services from a rep named XXXX XXXX for my brother including an account number for the issue. However, there is not a debt owned and they asked me to call back to resolve the issue.

My brother called the number back and they asked for my name and information. When he refused to give it to them, they hung up. The number they called me from was XXXX
Product: Credit card or prepaid card

CapitalOne Credits card company. 

I have two separate credit cards with CapitalOne. 
They suddenly blocked my online account requesting more information.

I uploaded all the required legal documents and ID copies as they requested.

They assured me that they will take care of the issues within 7-10 business days.

It's almost 2.5 weeks. I have spoken to several account supervisors, and they keep on giving me the run around, going in circles, wasting my valuable time. 
No matter what I've tried, all communications lead to this same cycle of neglect, incompetence, unprofessional customer service, and complete lack of follow through. 

I am formerly complaining, because if I can't access my digital accounts online, I can not see what I owe or make the required payments, in essence, they are jeopardizing my credit. It is within my own legal rights to able to have access to my own accounts at anytime.
Product: Credit reporting

I have been a victim of identity theft four times in one year and I have contacted Equifax and sent them the police report and the federal trade commission affidavit and had the complete premier plan with unlimited service and when I tried to update my credit report it says that I have an order in progress so I have to call Equifax to update my report and they most of the time send me all over the place from XXXX to the XXXX special fraud department to verify my info and I did over 50-100 times and sent numerous trouble tech tickets to try to fix the problems numerous times and there solution is to cancel my service instead of fixing the problem. they still collected my money for there service and I did n't have unlimited service. I have stayed and transfer from rep to supervisor and wrote numerous complaints to Equifax and the better business bureau office to consumer protection tom foreslong, Equifax consumer protection XXXX XXXX and no one can help. XXXX XXXX said she does n't deal with the problem. so how can I monitor my Equifax. cause in XXXX I had a fraud alert on my credit report and I took it off and some one XXXX tried to get credit I did a police report and sent it to Equifax. but still have to call even though I have unlimited service and Equifax numerous times instead of trying to fix it they cancel my service but did n't return my money. but still charging me. who else are they doing this to. we have no recourse or help they do n't care they do n't fix the problem. they wont call you. or follow through
Product: Credit reporting or other personal consumer reports

Hello, I recently had some major repairs completed on my XXXX XXXX which had financially crippled me at the moment. I have my car loan via XXXX. I logged onto my account on XX/XX/XXXX and there was availability to pay one car payment and then fill out online documents for an extension on the remaining balance. I made the payment of {$220.00} and the extension documents were completed showing I was now current and would not be reported 30 days delinquent on my credit report. XXXX sent me a copy of the extension documents signed on by both parties for approval. Document number XXXX. Days later I go back in to look at my account and no evidence of the Deferment and now Ive been reported 30 days late. I called XXXX today, XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX a Customer relations associate. She tells me their department is the highest in the company and that my extension was reviewed again and denied due to my cars upcoming maturity date. I told her nothing was sent to me in writing stating this. She told me that they do not send the denial out in writing. I requested the denial in writing. She told me she was not going to send it to me. I told her then I can not believe it was actually denied. I have a signed document of approval and without a denial in writing, they could be telling me anything. I want my credit reporting corrected for this month as its unfair I was approved and under the impression I would not be reported as delinquent. I want my deferment shown as up to date and my credit reporting corrected and fixed. Also spoke to XXXX, ID number XXXX, Executive Resolutions Manger, also denied me the right to have the denial in writing. She stated thats not the companys practice. It sounds to me that they are refusing to honor the approval and back peddling because of their oversight.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to TD Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.
Product: Checking or savings account

I get hit with overdraft fees 24/7 and get charged double every time and sometime most of my XXXX dont go through to a person I usually send it to
Product: Checking or savings account

while maintaining my XXXX XXXX account I have been charged multiple times for fees regarding OOPS for my checking account. When I made purchases with my account showing enough money to cover the transaction, the XXXX XXXX still charged me overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later. Also, XXXX XXXX systems showed the money as immediately available to spend when I had used my cash app However, the XXXX XXXX failed to disclose that payments received after XXXX am Eastern ( and later, after XXXX pm XXXX ) wouldn't actually post until the next business day. 

XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX continuous dates leading to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$300000.00}.
Product: Credit reporting or other personal consumer reports

There is XXXX XXXX XXXX ILLINOIS # Docket Number XXXX the date it was filed XX/XX/year> - its not mine and I didnt authorize no one to do it at all and certainly didnt given any agency to report this with out written consent and I would like to to be removed immediately and also there is a hard inquiry on my consumer report from CBNA. Also according to 15USC 1681c-2 I didnt give anyone or agency written consent to report this on my credit ( consumer ) report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The employment data reported on my XXXX, Experian and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my XXXX, Experian and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.
Product: Mortgage

I was granted forbearance for a loan at the early days of Covid. The bank suggested that the amount owed during the Forbearance period would be placed at the end of the loan. Instead, at the end of that period Bank Of America insisted on the full amount owed during the forbearance period. I could not pay it in full and contacted the bank. I was instructed to start paying the normal monthly payment and I did to this date. The bank sent me a loan modification form and I filled it out but they wanted more info and I dropped the ball at that time. I have since paid the full amount owed during the forbearance period {$9800.00} but now see on my credit report that they reported me late for 3 months. I paid {$900.00} every month, on time. I had great credit. By the way, I had two other mortgages that placed the forbearance amount at the end of the loan. What's up with BOA?
Product: Mortgage

XXXXPurchased home ( {$62000.00}. ) in XXXX, MO, using VA Loan Guaranty benefit. 
Subsequently, income & credit rating declined as credit card debt mounted.. 
XXXX XXXX XXXX home loan ( {$63000.00}. ) with XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Fraudulently induced me to 1 ) apply for {$40000.00}, to work like a bill consolidation loan for unsecured credit card. debts, based on my equity in home -- ( appraised value {$100000.00}. ) -- & formalized by Deed of Trust. 
XXXX Using cheap local lawyer, obtained XXXX  XXXX Bkrptcy, including discharge of both 1st & 2nd Mtgs. Continued occupying home & making mtge payments. 
Subsequently I launched ( pro se ) campaigns to get both lien-based debts " modified ''. In XXXX  secured a realistic income -- based modification of 1st Mtge ( XXXX ), with which I am 100 % complying.. 
Successsor of 2nd Mtge acknowledges debt cancellation, while adamantly refusing to file Lien Release. Home Hostage / extortion situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX