23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I completely paid off my credit card by the due date. I owed XXXX which had the due date of XX/XX/year>. I made a payment of {$2000.00} which was deducted from my XXXX account on XX/XX/year>. My final payment of {$550.00} was deducted from my checking account with XXXX on XX/XX/year>. Afterward, My balance was XXXX. I received a statement the following month from Bank of America with an unexplained interest charge of XXXX, due in XXXX. I made several unsuccessful attempts to contact them to resolve the problem. Unfortunately, I am not able to resolve the issue with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection/chargeoff  in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been fraudulently taking money from students and XXXX has recently be charged for this criminal activity. Per the terms of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX released on XX/XX/2019, XXXX is going to have to forgive almost {>= $1,000,000} in outstanding student loans for students of XXXX XXXXXXXX XXXX. ( I have attached a copy of the article posted for reference. ) I have tried to contact XXXX however, the XXXX is closed and there is no one to answer the telephones and/or answer any questions. This student loan should not be reporting on my credit report. I did not know there were any collections until I obtained a most recent copy of my credit report. I never received any communication from XXXX regarding this account. I have also contacted the bureaus to remove this line item however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches and CHEX SYSTEMS AND XXXX XXXX XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Product: Money transfer, virtual currency, or money service

I received a text message from the Bank of America text line asking if I had authorized a XXXX  transaction this afternoon. I sent back a text saying " no. '' I was called by a Bank of America representative alerted by my text message. The person verified the last four of my bank number, account number, and the amount in my checking and savings account. The person told me to send a series of transactions via XXXX to this phone number : XXXX XXXX XXXX. I sent three transactions : {$1500.00}, {$200.00}, and {$200.00}. The person explained the amount would be credited back to my account. When the funds were being withdrawn from my account, I was alarmed and the person hung up the phone. I called the number back to no avail. 

I called the general Bank of America line. The representative said they filed three separate fraud claims for each transaction. I have not received an email confirmation or a timeline for when the monies will be put back into my account. Please advise.
Product: Credit card or prepaid card

AMEX SERVE National Bank on XX/XX/21 at XXXX, Monies were fraudulently taken from my account at an ATM Location in XXXX. a total which was in excess of {$700.00}. The alert was sent out to the app. Immediately I notified AMEX FRAUD Division. All submitted documents will explain the timeline. on the first application, I had included all the fees charged. The first time I was denied, I was told to not include service fees for they were already returned to me. To resubmit the application minus their fees which I did. the second application resulted in denial again and to send a letter to their fraud department in Georgia. Which was on the third last attempt due to COVID. I am a XXXX  in the frontline I was distracted. but contacted Serve fraud and they asked that I resubmit ... which with understandably so with delay was submitted. I never got a formal answer from the fraud department which was necessary for me to include the local law enforcement at the XXXX XXXX  in this recovery. Whether it's unwilling or duplicity on their part. That is the question. submitted are the necessary documents that were requested. The last delay was due to COVID Thank you for a hopefully positive resolution
Product: Checking or savings account

XX/XX/year> - XXXX XXXX XXXX account deposited funds to US Bank checking account in the amount of {$43.00}, XXXX XX/XX/year> - External transfer initiated from US Bank checking to XXXX XXXX XXXX checking account in the amount of {$25000.00} ( the maximum allowed amount ) ( Transfer received by XXXX same date ) XX/XX/year> - External transfer initiated from US Bank checking to XXXX XXXX XXXX checking account in the amount of {$18000.00} XX/XX/year> @ XXXX - email received from US Bank acknowledging funds transfer request. 

XX/XX/year> @ XXXX - email received from US Bank stating transfer request exceeded available account balance ( it did not -- balance remaining of {$100.00} ) and " if any funds had been withdrawn from your account, they have been returned. '' XX/XX/year> @ XXXX - called US Bank customer service. My call was transferred to a different ( incorrect ) department. Transferred again -- call disconnected. 

XX/XX/year> @ XXXX - called US Bank and requested the correct department. I was told by the representative that the return of money to my account, which never left their bank, could take one to three ( 1-3 ) business days. ( This despite the email stating that they were already returned to said account. ) XX/XX/year> @ XXXX - funds still not returned to checking account. 

First, there were sufficient funds to cover the external transfer. A balance remains in the account without the funds being returned. Second, the funds never left their bank since the external transfer was never effected. The return of said funds to my account should've happened immediately. I am losing money each day that these funds are not reinvested through no fault of my own.
Product: Debt collection

The complaint deals with XXXX XXXX XXXX, a company who claimed they were the Department of Education when I called for student debt relief. <P/>I went on XXXX to search Great Lakes Customer Service to see if I could get relief for my loans in XXXX since I was unable to afford payments. The number of XXXX XXXX XXXX was listed first and listed under Great Lakes Customer Service. Originally was told XXXX was the Department of Education Was told in XX/XX/XXXX I would not need to pay any money and be on income based repayment Received consolidation form ( apparently I need to consolidate before going to income based repayment ) Two payments of XXXX and another payment of XXXX was pulled from my XXXX XXXX XXXX checking account. XX/XX/XXXX got an email from Great Lakes saying I owed the full amount for loans XX/XX/XXXX, applied for Income Based Repayment myself Attempted to reach XXXX for weeks - no answer XX/XX/XXXX Attempted to email XXXX XXXX XXXX and was refused, they were not accepting any emails to that inbox Submitted a complaint on their site, and finally got a phone call Finally got someone on the phone Said they consolidated The only way to get income-based is to consolidate They told me that in XXXX, the amount I owed Great Lakes was only interest XX/XX/XXXX Spoke to XXXX from Great Lakes No consolidation is needed to qualify for Income Based Repayment Full amount owed - not interest Spoke to XXXX from Great Lakes Consolidation was part of Income Based Repayment, though unnecessary. Great Lakes received Income Base Repayment form in XXXX filled out consolidation and income I filled out in XXXX XXXX XXXX XXXX XXXX XXXX ( where the money was taken from ) Disputed the charges since it was difficult to get ahold of them and what I paid for was n't done. <P/>XX/XX/XXXX Called XXXX for follow up XX/XX/XXXX Received call from XXXX, reason of complaint was never filed Unsure if file made it to supervisor Said if I filed charge through the bank, there was nothing they could do Told me I should be thankful for their help. ( " You did n't go into debt because of our program, you went into debt because you took out a loan for XXXX XXXX XXXX dollars ) Was unwilling to listen to my arguments, interupted every time I tried to explain my problem.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX my husband & I received a mortgage loan of XXXX dollars to get XX/XX/XXXX square foot home on land my husband inherited from his father. We got behind on the payment a couple of times and received several phone calls from Vanderbilt Mortgage harassing me and my husband at all hours of the day even when we told them to only call on Wednesdays from XXXX. They called my father, mother-in-law, and brother-in-law threatened them that we did n't pay they would take our home. I did n't sign the contract my husband did but I still received multiple notification including from their attorney with my name saying that I was a creditor that signed the contract. We had to change our phone number several times and my mother-in-law had to disconnect her phone number because they would not stop harassing her. THey harassed me into going to labor with my last XXXX. I was hospitalized for a month to keep me from going into labor at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX
Product: Mortgage

All denials and discrepancies seem to be intentional and unethical. I was approved for a forbearance less than 4 months ago and no changes have occurred with my income to date, in addition my expenses have decreased.     When contacted by CHase  Executive Office I a m always assured that there are no findings on their internal audits.  <P/>   X/XX/2017 - Appe al submitted for denial and request for income calculations since occupancy is no longer an issue.      X/2017 - 3rd modification was denied for insufficient income.   XXXX  - 2nd modification was submitted and not processed until a complaint was filed with CFPB  X/XX/2017 - Mod  ification application approved for forbearance, then denied for an internal error that reflected an occupancy discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with LexisNexis for nearly 2 months trying to obtain a full report so I can rectify discrepancy on a background check that has prevented me from obtaining employment over the past 6 months. 

To date, the continually say they are unable to verify my information because the documents I send contain insufficient information. 

I have sent them all of the required documentation listed each time. I have done this several times, and just one day ago I received the exact same notice of insufficient information.
Product: Debt collection

Good Afternoon, I was contacted by Tower Loan XXXX XXXX Mississippi stating I owed an old debt because a bankruptcy was dismissed. She said my Name is XXXX may I speak with XXXX XXXX I replied this is he she stated this is XXXX with Tower loan we have a balance here of $ XXXX. *** and if you dont pay me today we will take you to court. How would you like to pay this. A little shocked I replied XXXX  monthly and got off the phone. I called back and explained she broke the law by threatening these sections and why did she do it. I then asked for a letter explaining all of the above including why the account was reported as closed on my credit report. I need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on XXXX XXXX XXXX to dispute accounts reporting on my credit report that do not belong to me. As of XXXX XXXX I had yet to receive any correspondence in regards to the dispute I submitted over 30 days ago. On XXXX XXXX XXXX I reached out to Transunion and found via the automated system that I did not have any open disputes. I selected options to speak with a representative and was connected with XXXX in the disputes department. I asked XXXX to confirm receipt of my dispute and she did and let me know that all accounts were verified as accurate. When I asked for the method used to validate that the information was accurate, XXXX denied me my right explained in the FCRA Act Section 611 to receive an explanation of the verification method used by the credit reporting agency. XXXX denied this right and stated that it is an internal process and refused to provide the information that I requested.
Product: Checking or savings account

hi, the pnc bank does not allow me to log on any more for many months even though i use the correct password. 
the bank worked fine, even sent me a debit card to XXXX, i could use it but for XXXX year now it went bad : i could not move my money any more. only with a second party service called XXXX  which i did not qualify for. before that i could connect to my other accounts, for example wellsfargo or a brokerage account and send ach transfers online. they removed that from my account. about XXXX months ago i was completely locked out of my account even though i used the correct user id and password. 
i called the bank many times, verified my information, talked to supervisors who promised that i would have access the next day but it was not true. also the next day it did not work. today i tried to access again and it was still blocked for no reason. i used the chat and provided account number and phone number which was requested. my phone can not receive sms. they know that but they do not offer any alternative any more. before they offered a call. they could also offer the use of an authenticator. 

i see no other way to get access to my account than by complaining to the government. 
please force them to return my money
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX  XXXX  XXXX ;
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX. XXXX  XXXX Bankruptcy Case Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX  Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later i have not received a response and i feel I'm being taken advantage of because they're ignoring my disputes. Section 611 ( a ) clearly states if failure to investigate these items within 30 days they should be removed. It's been over 50 days and I demand they be deleted immediately or I will seek litigation. My information was impacted by the Equifax data breach and may have been in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently ordered my credit report from XXXX and I 've noticed multiple inquiries listed on there that I did not authorize or recognize inquiries such as XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was hacked Discover card and bank. XXXX XXXX investigated and replaced lost funds. 

Discover card notified me my account will be closed permanently. I was issued a Discover Card check XXXX XX/XX/2012 for {$2.00} As of XX/XX/XXXX my Discover card balance was - {$1.00} Discover Card issued me today XX/XX/XXXX a new credit card account that has a balance owing {$4200.00}???
Product: Credit reporting or other personal consumer reports

Wrong personal information, missing accounts information, old accounts in my credit reports.