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

I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : Experian, XXXX XXXX, and XXXX. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character. 
These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXXXXXX  this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Experian credit reporting agency, block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX  on XXXX XXXX, in the private account XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX in the private account XXXX. XXXX XXXX XXXX opened XX/XX/XXXX in the private account XXXX.These accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhave attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX I am requesting that pursuant to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that Experian Credit Reporting Agency block all of the accounts , collections and hard inquiries identified in this CFB complaint from my consumer credit file with in 4 days of receiving said complaint. I request that all written confirmation regarding this CFB complaint be sent to me via email to the email address XXXX XXXX
Product: Checking or savings account

I have had a XXXX XXXX XXXX XXXX account with funds accruing in it since at least XXXX. There is no way to communicate with XXXX other than email as they do not provide a phone number to call to talk to anyone. I have included a screenshot of the various email communications with XXXX over the years. Noteworthy, is an email in XX/XX/XXXX where they sent an email informing me that I needed to log into my account because I had been inactive for months and need to show activity on my account. I did so, and you will see there were a few emails from them after that through XXXX. I have not received email communication from them since XXXX. 
This month, I went to log into my account as my XXXX kids are now in college and want to transfer the college savings account to pay for college. Upon logging in, I received a message ( see one of the attached screenshots ) that my account was closed due to 30 months of inactivity and that if I clicked the button they would reactivate my account in the amount of {$2100.00}. Since there is no other way to communicate with them other than email, I immediately emailed them requesting assistance with my missing funds and remaining balance. They created a " ticket '' ( again see screenshots ) and informed me a few days later that they had rectified the problem and reopened my account but took all the funds and left me with a {$0.00} balance! 
In an absolute panic that they have now taken all my XXXX college fund money, I again emailed them and have not heard anything from them!! Please help me as I can not imagine that it is legal for them to take all my XXXX college savings account money like that- certainly not without informing me that some action was required on my part and also that they can simply seize the money that I have held in this account for all these years??!! 
I am in absolute panic here that this has occurred, and I am in need of assistance. Please let me know if you need any other supporting details or information and I will provide what you need. I thank you very much in advance for your time and attention to this very serious theft of funds. Thank you. 
Since it is a federally taxable XXXX XXXX account, I should have full reinstatement of all the funds that were in this account prior to them closing it without notification. There is no way for me to know the final balance at that time since they have subsequently erased it. The last balance I have is XX/XX/XXXX of {$2100.00} so I know it was more than that. Additionally, if they were willing to replace {$2100.00} when I initially tried to log back in this month, why would they be able to take that from me after I have requested their assistance for reinstatement?
Product: Debt or credit management

Lexington Law Firm XX/XX/XXXX - XX/XX/XXXX : {$75.00} = {$900.00} XX/XX/XXXX - XX/XX/XXXX : {$50.00} = {$650.00} I was promised a credit repair and monitor. All they were doing was automatically withdrawing from my acct. no credit were being fixed
Product: Checking or savings account

I initiated a transfer from my Goldman Sachs online savings account to transfer to my external XXXX XXXX checking on XXXX at XXXX XXXX XXXX utilizing the XXXX XXXXGoldman Sachs app through the digital wallet on my XXXX. The app stated pending, and XXXX business days as typical to complete. 

I called in on XX/XX/XXXX requesting status and was advised to read the terms and conditions that state 3-5 business days to complete a transfer. Then was advised that I should call back if transfer is not completed by the end of day XX/XX/XXXX. Called in on XX/XX/16 and was informed transfer was still pending and that a supervisor would review why the transfer was pending and it would be another 3-5 business days. I asked to review routing and checking account information which was confirmed as correct. 

Still waiting on the funds transfer six business days ( XXXX and counting ) after my initial request.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/20 I made a payment via Chase XXXX with XXXX via banking application in the amount of {$820.00} to XXXX XXXX to purchase a puppy called XXXX. On or about XX/XX/20 I made another payment via Chase XXXX with XXXX in the amount of {$1500.00} to XXXX XXXX this time for refundable ventilated crate to have puppy safely delivered from California to New Jersey. On or about XX/XX/20 I made a final payment via Chase XXXX with XXXX in the amount of {$1200.00} to XXXX XXXX for a missing city permit and license for the puppy. After the final payment I did not receive any delivery details or confirmation that puppy was on the way. I realized something was wrong. On or about XX/XX/20 and XX/XX/20 I called my Chase bank to notify them about possible scam and to stop the final payment. Bank representative advised me they couldnt stop the transfer and that they would only notify the receiving bank. On or about XX/XX/20 I reported this incident to local police in XXXX, NJ. The officer on duty advised me that it appeared to be a scam and that he would start an investigation. He also advised me to pursue dispute with Chase Bank which I did but it did not yield any results. I also contacted and notified XXXX company about the fraudulent transactions, but they refused to provide any information and to collaborate unless there was an official legal subpoena. Detective assigned to the case sent several subpoenas to XXXX and XXXX XXXX but they could not find records or track down where my money went. I did not receive the puppy and lost {$3500.00} from my Chase checking account. None of the companies offered help in resolving this matter.
Product: Credit card

I am filing this complaint regarding the handling of a disputed charge on my Bank of America credit card ( ending in XXXX ). On XX/XX/year>, I was charged {$69.00} by XXXX XXXX for a Monthly Premium Business subscription. I contacted Bank of America to dispute this charge because I was unable to use the service during the billing period, and I believed the charge was made in error. 

Despite providing all necessary information and explaining my situation, Bank of America denied my claim ( Claim # XXXX ), citing that XXXX was " willing and able to provide the service. '' However, their resolution relied solely on XXXX 's response without adequately addressing my perspective as a consumer or the fact that I was unable to utilize the subscription service. The chargeback was rejected, and the {$69.00} was added back to my balance.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX, I started my own business. While starting the business I kept OneMain Financial informed of what I'm doing. XXXX XXXX, office mgr. in XXXX XXXX, La. XXXX, congratulated me and the payments continued. Unfortunately in XXXX, my business start experiencing financial trouble. That's when the calls started. I sent XXXX an email explaining my financial status and told that I will not decide between paying my rent and making a loan payment. After sending that email, the calls became constant. It don't make sense to call 4-5 times a day. I also start receiving calls from their office in XXXX, La. That office address is not on any of my loan documents and they should not have any right to call me. 
On XX/XX/XXXX, I got tired of being harassed about this loan. I gave them the collateral, XXXX XXXX XXXX XXXX, and parked it at there office. I also included a letter detailing the calls and informed them not to call my home and cell phones. I also included they're not to mail anything to my home. I only want notifications by email ( paper trail ). After giving them the XXXX, I didn't receive not a single email from XXXX. 
On XX/XX/XXXX, I received a late payment notification from several credit reporting agencies ( XXXX XXXX, XXXX  XXXX, XXXX etc ). When I checked my account, it shows that OneMain filed a late charge against me. I consider this retaliation for giving them the collateral instead of making payments. The account is still open on their website. Also, this account have insurance on it for this very reason and it have not been filed. Once filed, the insurance should pay off the debt. Instead of being harassed and retaliated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen back in 2019 and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report
Product: Mortgage

The borrower was in review for a modification and the bank motioned the court to reset the sale and received the relief it sought as the court granted the bank 's motion and the property currently has a scheduled sale date for XXXX XXXX, 2015. 
This is clearly a violation of 12 CFR 1024.41 as the bank is prohibited from seeking a sale date while the borrower is in review for loss mitigation.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam that the person Impersonated Us Bank and conned me into sending him money through the XXXX ap. At the time I had no idea what XXXX is or have I ever used it. My bank refused to help me because I knowingly logged into my account to do it. The following is a copy of my FTC complaint : I was driving down the road when i got a text from what I thought was Us bank asking me if I sent {$3500.00} on a XXXX acount and I texted no. A few minutes later i got a call from what I thought was the fraud department. He asked me some questions and told me a person from Georgia tried to take {$3500.00} from my XXXX account which I never used or new about. He said we have to do something to my bank account to reverse this payment. I said call me back in an hour I will be at home. He called me back in an hour and told me I would have to enter some info into my XXXX  account to reverse this. So I did and they took out {$3500.00} out of my account and returned it the next day. Now I trusted him. He called me back the next day and said we had to work on the next one. we repeated the same process and the money was never returned. So I called the number he called me from and It went right to Us Bank so I was like well ok. Note the number listed above is the number he texted me codes Ect.. The next day he called and said we had to work on the last 2 instances. I asked him when i would get the previous amount back he said dont worry you will get it all back at a certain time today. So we repeated the same process, and when that time passed and nothing happened, I called the number he called me on and talked to someone at US Bank. He did give me a name but I cant find it. I asked for that name and no one could find him. So I explained what had happend to the lady on the phone, she repeated the scam back to me and I know I had been scamed. 
She filed the claim for me. I filed a police report with the XXXX, Az police Department. If you need more daitails, I also have screen shots of my phone to discribe what happened. It a little more complicated. XXXX XXXX police report XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Credit card

Consistently, I've made sure payments on this account are timely, never allowing them to lapse. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be applied.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom is May Concern, I am reaching because there is incorrect information on my credit report related to the account below : Account LVNV Funding LLC, original creditor XXXX XXXX XXXX XXXX XXXX XXXX It is WRONG THAT IT HAS A BALANCE It is WRONG THAT IT IS OPEN IT is PAST THE STATUTE OF LIMITATION THIS COMPANY IS REPORTING wrong information TO XXXX, XXXX, XXXX credit agencies This item was purchased by a Third Party Debt Collector LVNV Funding LLC, this account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Collector. 

How much did they collection company pay for this item? I dont know and neither does my credit report reflects such amounts. this is a clear violation of the Fair Credit Reporting Act as this is not complete. DELETE THIS IMMEDIATELY! 

According to 15 USC 1681 s-2, XXXX, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I a requesting that you delete this inaccurate information from my credit report right away. 

XXXX*15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. 

This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY from the following credit agenciesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has marked me late for the months of XXXX & XX/XX/2023 for account XXXX, but my due date is XXXX XXXX and todays date is XX/XX/2023 so I have XXXX more days to make a payment. Update immediately my payment history I am not late. I have attached a screenshot of my Amex dashboard account clearly showing the due date of XX/XX/2023. The XXXX statement is due on XX/XX/XXXX. I will make my payment by the due date XX/XX/2023. Update my payment history!
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the handling of my credit report disputes. Despite my efforts to correct the inaccurate information on my credit report, the errors remain unresolved. 

I have sent multiple dispute letters to address the following inaccurate information : XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXXXXXX XXXXXXXX : Account number : XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX It is disappointing that despite providing evidence to support my claims, these inaccuracies have not been corrected. As a result, I have been forced to resubmit my disputes, which is both time-consuming and frustrating. 

I request immediate action to remove these inaccuracies from my credit report. Please ensure that your investigation process is thorough and complies with the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information should appear on consumer credit reports. 

Your prompt attention to this matter is crucial. I expect to receive confirmation that these inaccuracies have been corrected and that my credit report accurately reflects my financial history. 

Thank you for your understanding and swift action in resolving this issue.
Product: Student loan

On XX/XX/XXXXXXXX I received a letter from Aidvantage via email that my student loan was forgiven based on an IBR plan forgiveness plan ( letter is attached ). The forgiveness was backdated to XXXX and I was told I would be receiving a check for any amount paid since XX/XX/XXXX in the amount of {$7400.00}. I was told a payment had been processed as of XX/XX/XXXX, and that I would be receiving an overpayment refund check in the mail " within days. '' It is now XX/XX/XXXX and I have yet to receive the funds via check and have since called and gotten no updated information other than the check is in the mail, and there has not been any information offered about how to track or check the status. There have been inconsistent messages given from the few reps I have talked to about the status of my refund. The last rep I spoke to said the check would be coming from the US government ( " within days '' ). I also contacted Federal Student Aid and they were even less helpful, stating that the refund check would come through Aidvantage. I am frustrated that I can not find a correct answer to the question " when will I receive my check '' or a status update from either of these organizations. The attached spreadsheet notes that payments to me have been " reversed '' however I have not received any money.