23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I began making payments to Guarantee Rate in the amount of {$1400.00}. There has been issues with miscommunication regarding how and where to pay causing late fees even though I have disputed the fee which was waived per a letter from the lender However I continue to be charged the fee. As of XX/XX/XXXX per a letter my lender will change however Ive been reported to collections by the prior lender for nonpayment. The prior and current lender both go by the name Guaranteed Rate which is confusing. Today, XX/XX/XXXX I was told by the prior lender that I need to send the payment to them and that the lender transition wont happen until XX/XX/XXXX however no information has been sent to me with that information regarding who my actual lender is to know who to make a payment to. Im very concerned why customers are being reported to collections during a transition period that didnt even occur on the dates provided in the letter. The letter clearly states to not send payments to them after XX/XX/XXXX. The payment protections with a transfer a federal regulation has been violated. Thank you for your time.
Product: Credit card or prepaid card

My prepaid XXXX ( managed by US Bank ) card was part of a data theft on XX/XX/XXXX and was turned off. They sent a replacement to an address I no longer live at and I had to wait 10 days until I could get a new replacement. Ever since, no matter what address I give them the card does not show up. I've asked them to send it via a trackable method, but they want to charge me for that. I feel like they are illegally withholding the funds on my account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the inaccurate accounts that are continuously reported on my credit report. Despite my earlier attempts to rectify these inaccuracies, these accounts remain on my credit report and continue to negatively affect my credit standing.
Product: Money transfer, virtual currency, or money service

XXXX, XXXX on the XX/XX/XXXX Hello, It 's been weeks that I would like to log in to my account at : https : //support.coinbase.com I received a response on XX/XX/XXXX and answered XX/XX/XXXX to the question asked may then nothing not answer always a machine that responds no e-mail address! no phone number! ( Anyway I do not speak English! ) I would like to sell my Bitcoins and get my MONEY back. 
Thank you for your help I created an account on XX/XX/XXXX for the amount of XXXX EUR on the website : https : //www.coinbase.com I was in XXXX but I do not live there, I travel by bike around the world may have a tax address in XXXX my country, The XXXX I have unfortunately broken my XXXX XXXX is also my XXXX XXXX of the company XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXX. 
Then I could no longer tank the XXXX to connect! 
The procedure to register my new number here in XXXX : XXXX XXXX XXXX. 
DO NOT WALK he writes : '' The phone number is invalid '' I requested the reset of my account Here help me recovered my Bitcoins my money!!! 

( This and a translation of XXXX XXXX )
Product: Credit card or prepaid card

So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX which is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

Chase total charges is {$8500.00} XXXX total charges is {$140000.00} XXXX Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft.. wallet lost.i.d and social security card
Product: Prepaid card

On XX/XX/XXXXXXXX after purchasing a plane ticket to XXXX, I decided to purchase XXXX XXXX XXXX XXXX XXXXXXXX hat. At the time, I was using an American Express Serve prepaid card due to the XXXX XXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX, had caused me. 
When I submitted the order, the processing stage took a little longer than usual, but the order went through, I received the confirmation email, and the money was deducted from my account. I charged twice, and someone pretending to be playing a video game, typed a code that allowed them to steal {$36.00}, receive my order, and but, {$0.00} HOLD. 
Then they took the cyber online shopping crime a step further by DEACTIVATING " Track your order. '' When I go to Track my Order, it only reflects RECEIVED. It's been like that since XX/XX/XXXX. 
My sixth sense says XXXX ended up with my hat. The hat was at his office. He didn't pay for it. I did. He and his clones typed a code to cause this problem. 
If my order was indeed cancelled, XXXX XXXX XXXX 's tracker would have said so, and it still hasn't, XXXX. I just checked it again. ( see images ). 
In conclusion, I told XXXX to mail me a hat and place it in my box or refund me the money {$18.00} x 2 = {$36.00}. 
Today I checked my Serve account online again, the balance says {$0.00} and the transaction line that reflected XXXX is missing. 
Who is at fault here? XXXX XXXX XXXX XXXX for allowing the XXXX XXXX  to be all up my business XXXX playing " video games '' that XXXX XXXX online shopping orders, American Express Serve for allowing the online ledger to be tampered? The mail clerk for allowing mail theft to take place? Or everyone? 

Bottom line, I need to see {$36.00} in my account ( dummy account ) or a XXXX XXXX Hat in my box by the time I return to XXXX XXXX  XXXX Please have XXXX decide. The transaction was reversed due to the video game they were quote on quote playing " innocently. '' Please. 

Again, {$36.00} or mail me a hat. 


Thank You, XXXX XXXX XXXX
Product: Debt collection

A debt was put on my name for the amount of XXXX. Then later sold illegally to a debt collector by the name for AD Astra recovery services! Under US code 15
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I received correspodence from Citizens/Charter bank through CFPB there are missing payments not listed on the payment history sent. There were two payments one for {$250.00} and the other for {$500.00}. those two payments are missing. Brought the balance down to {$2000.00} in XXXX. Also there was a complaint for XXXX regarding default. I paid the monthly payment after i paid the principal of {$1400.00} was defaulted. Stated that the bill was never going to go away and I quote. This also was sent to CFPB. Requested a XXXX discharge for Citizens bank. Stated in their correspodence that they were no payments. I will get a copy of a police report if necessary have to prove it's theft first
Product: Debt collection

I tried to get a pharmacy rewards card, but the cashier did not understand and she made me to apply a target red card? I noticed that this person was a sales training to get bonus, and charged {$38.00} from the target red card. I closed the account the last XXXX, so I received some letters regarding the payment plus interest. Now, I have financial matters and I am not willing to pay the new balance.?
Product: Checking or savings account

On XX/XX/2022 someone went into a PNC branch and withdrew {$220.00} from my account. I did not authorize this person and after talking with PNC it was a human error of the teller. The teller put in the incorrect account number which turned out to be mine and withdrew the money. I called PNC to alert I did not authorize this withdrawal, they explained the error however I was not immediately refunded my money. In the past, I have been given immediate credit however they say this dispute is " different ''. At first, I was told it would take up to 10 business days, and now anywhere from 1-2 business days. The fact that I was not credited immediately for an error that PNC employee made and they acknowledged as such is unacceptable.
Product: Credit card

I have several store credit cards that are serviced through this one bank. Recently the bank stated that they would be charging for the monthly paper statements. I called them to change to an electronic statement, and they said I had to go online myself to do it.

I feel that they should be able to handle this change over the phone without me going online. I depend upon the mailed statement to show all account activity.in one glance. They are charging a fee for the paper statement. I feel that they are making it harder for the consumer to see their accounts. They are also creating a problem with the payments process. It makes it easier for the consumer to be late with the payment, and when they are, they will be charged a late fee. This whole situation could be eliminated by providing the previously free paper statement. These banks are great at coming up with ways to charge the consumer new fees. Thanks for your time and your help. Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been 30-59 days as reported in XXXX XXXXI was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in XXXXwo payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent collection and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently, I looked at my credit record, and it brought on a tremendous sadness.

I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it.In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible.

According to my research, Section 1681i ( 5A ) of Title 15 of the United States Code deals with how false or questionable facts are handled.

As soon as possible after the completion of any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall immediately delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and immediately notify the furnisher of that information that it has been deleted or modified.

I require you to delete the below accounts and/or information if you are unable to provide me with a copy of verifiable proof within 15 days of your inquiry.

In any case i appreciate your assistance with this.

Under 15 U.S Code 1681e ( b ) AND 15 U.S Code1681i ( 5 ) these accounts is in violation not reporting 100 % accurate. 


XXXX. XXXX Sincerely, XXXX XXXX
Product: Credit reporting

This is not a dispute of fraud, please DO not classify it as such. 

Experian is making changes to my record, with no substantiation for these changes. 

For this complaint, I assert that Experian is adding a " personal statement '' on my behalf, and without merit, and as a Fraud Statement. 

1. Experian - please provide your rational for adding the following statement to my report, because adding it without reasoning/documentation and on my behalf, is wholly inaccurate. 

2. After you have provided the reasoning for adding this details, delete this unsupported text. 

3. A screen shot of such verbiage, and from Experian 's website is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, XXXX, and TransUnion, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, XXXX, and TransUnion, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00}
Product: Debt collection

In XXXX, I purchased a phone number from the XXXX store because my old number was disactivated but I didn't like the number I bought so I tried to change but they told me that I needed to pay a fee of XXXX $ to open a new account and get a new number so I did, I payed the XXXX $ and I bought myself a new phone number but the lady helping me out forgot to disactivate the other number so XXXX charged me for every month even though I was not using the phone number. In summary I was charged a debt of XXXX $ for a phone number ( postpaid ) I was not even using because some lady forgot to disactivate it ... I tried a hundred times to dispute the transaction, I talked with 20 or more people on the phone contacted their debt collector company called " convergent outsourcing '' and they kept refusing to give me an explanation for the debt, they didn't know why I was being charged, they even told me that they conducted an investigation and that they sent me a mail to my mailbox but I did not receive anything. They ended up offering me a discount of XXXX $ and pay XXXX $ to clear the debt. I kept arguing with XXXX and convergent on the phone in vein. I was obliged to pay the debt of XXXX $ because they would eventually charge me the debt. If I hadn't payed the debt they would have pursued me.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist - Unauthorized Credit Reporting and Violation of XXXX and XXXX XXXX XXXX Dear I.C. SYSTEM, INC, I am reaching out to address a serious matter concerning the unauthorized reporting of information to my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX identity theft fraud laws. 

It has come to my attention that I.C. SYSTEM, INC has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA unequivocally mandates that consumer consent is a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

Moreover, XXXX XXXX identity theft fraud laws reinforce the gravity of unauthorized access and misuse of personal information, further emphasizing the severity of the situation. 

I want to make it unequivocally clear that I have not granted consent for I.C. SYSTEM, INC to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights, potentially damaging my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, without hesitation, that I.C. SYSTEM, INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be interpreted as willful noncompliance, subject to penalties under applicable laws. 

I want to stress that obtaining consent is not optional but a legal obligation under the FCRA and XXXX XXXX laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your prompt attention to this matter and anticipate that I.C. SYSTEM, INC will promptly rectify these violations, respecting my rights under federal and XXXX XXXX laws. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute on XX/XX/2019 and XX/XX/2019, with Experian involving my credit report.it has been over 30 days with no reply, in which they has violated the law by not responding within the 30 days allowed.I am asking that that these items be remove from my credit report .they recieve it on XX/XX/2019 by certified mail XXXX, and i have all my letters to back it up.
Product: Student loan

Navient Solutions has been contacted several times to address the interest rate on a personal loan acquired originally as a XXXX XXXX XXXX loan. The original balance {$4500.00} in 2009. I was unaware of the loan, but luckily it was being automatically debited from my bank account. Navient Solutions has acquired the ~ {$2700.00} loan and set the interest rate at 14.99 %, I was not even notified when the transfer of service occurred or given any further options. I contact them at least every few months, try to make more payments but they put the payment towards interest and not principle despite the majority of the payment amount going towards the interest. The loan continues to increase every month despite my payments, they refuse to allow me flexibility to increase the automatic payments and they refuse to reevaluate the interest loan. This is the practice for my Federal Loan as well, there are no other option for repayment. I have not missed a payment on any loan for at least 5 years and all I see is the loan balance increase despite my efforts and extreme hardship on my family as a result. I am unable to transfer my loans, consolidate, and I am not sure what to do as this institutions can not " advice '' on a solution.
Product: Checking or savings account

I have opened a Chase XXXX Account and I have had XXXX locked account situations within XXXX weeks. 

Everytime I try to make a payment ( XXXX, XXXX or Wire ) and even moving money between Checking and Saving within my account I am locked out. 

I go through security checks I get access reinstated and the same thing happens again - so no fixes are being put in place. I tried to escalate with the fraud team who said every transaction goes through a process and so there is no fix - I'm locked in a situation where they freeze my account - then reinstate then freeze - I can not even transfer the money to close my account!!! 

They disconnected links to XXXX and so I can not make a payment or receive payments- which is the very nature of my business so I am stuck.