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

I bought tickets for an event from a friend on XXXX who claims they got hacked. I sent the money via XXXX and my bank will not dispute the charge. I believed this was a friend and that is why I paid because it was someone I knew. The bank never got back to me until I called and found out for myself and they said a resolution was already made. No one informed me until I had to find out for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Mortgage

On XX/XX/2023 my loan statement showed an amount due of {$430.00}. The amount due was equal to the interest - i.e., no amount was going toward principal. I made a payment of {$500.00} so that some of the principal would be paid off. This month ( today ), I received a new billl and the payment is now {$520.00} - again, this is only the interest on the loan - no principal is being paid down. I had previously called the bank ( XXXX in XXXXXXXX XXXX ) to inquire about my payment and they could not tell me the amount that was due each month. This is not an adjustable rate loan. I have been making rgular payments on this loan for years and the principal has been reduced by less than {$5000.00} versus the original loan amount. Since the payments increase every time I pay an additional amount and the change is reflected as interest only in the amount due, the way this is set up is such that the loan will never be able to be paid off and no matter what extra I pay, they keep raising the payment the next month and making the amount due only the interest on the loan. Something seems seriously wrong with this. As it stands, it's impossible to make automated payments on this account and have the payments applled toward the principal.
Product: Debt collection

They have called my number asking for someone who does not live here. Both my husband and myself have told them that this person is not at this number and they have said they will take us off their call list, but the calls continue.
Product: Debt collection

There are charges from XXXX XXXX XXXX  for mobile services which I never had. There is a charge of XXXX dollars in collections with ERC. Im not sure on the date of this but is believed to have been several years back. I do not use XXXX XXXX XXXX  for any mobile service. This was done under my maiden name fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion complete a thorough investigation of several accounts listed on my credit report. Transunion 's response was that my account was properly investigated and that all items in question were verified by their data furnisher. I do not understand how this is possible when there are several accounts listed with the following inaccuracies : inaccurate open date, inaccurate date of last activity, inaccurate closed date, inaccurate high balance, inaccurate payment status and activity, inaccurate past due amounts, inaccurate closed date, unknown accounts, inaccurate balance owed, and monthly reported charge off status with old accounts. There's a plethora of inaccuracies being reported that not only misrepresents me, diminishes my character, and contributes to severe financial hardships including homelessness, but also violates my rights under several laws listed below ( a couple typed below ). This is grounds for removal immediately. 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : states that consumer credit reporting agencies can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with transunion they information regarding a bankruptcy from XXXX  is not complete and not reporting accurately via XXXX XXXX. It is not properly vetted via the clerk of courts. I asked them to remove from my credit report over XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a victim of identity theft. I sent my FTC Report and my Florida Driver 's license to XXXX, XXXX, and Transunion. I will be filing a civil suit for reporting inaccurate and fraudulent information.
Product: Credit card or prepaid card

I been going through financial hardship since COVID hit and been struggling since. I did call them and I applied for credit protection And for my understanding they were going to put a hold on my account so I wouldnt have to worry during this difficult time and my intentions was to start making payments as soon as I was financially stable but what I didnt know was that it would take me this long besides financially struggling I had to figure out how me and the kids were going to make it and taking care of of loved ones that were almost didnt make it with all this with all this I ended up having a break down and fell into XXXX but we came out of this and getting things back to normal and one of the first things once things got settled was trying to get my credit cards paid but when I checked it was too late they closed my accounts and when I tried to see if they would let me pay them they just transferred me to collecting I asked them if they can work with me or if theres another option to help me they just went ahead and send me to collections and brushed me off they say during this hardship they will give their customers support but didnt even try to help before all this happen I was working so hard to build my credit and because of this madness theres no point in starting over
Product: Credit card or prepaid card

This is the second complaint I am sending about target ... when I made a payment over the phone with a representative on XX/XX/2019 for {$170.00} I was told my next payment is due XX/XX/XXXX.. 

Target has reported I am 30 days late on payment and that incorrect ... 

Please review previous complaint I have submited Please have them correct credit reporting I attached a screen shot payment was made and I am not 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}
Product: Debt collection

On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX to ask for the deficiency letter of the sold vehicle. The manager told me they no longer are handling my debt and it has been turned over to Aldridge Pite Haan, and they will have that information. I immediately called Aldridge Pite Haan and spoke with XXXX XXXX who told me they don't have a copy of the deficiency letter. They only had the amount owed which is {$6200.00}. I asked Ms. XXXX if her company were license to collect debt in the state of Louisiana. She said she wasn't sure. I told her I needed the deficiency letter so I can see how much the vehicle sold for. She told me she doesn't have that information. I then ask for validation of debt. 
On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX again to ask for a deficiency letter, Mr. XXXX said he would have to ask his manager if he could send me a copy, and his manager agreed. I received a deficiency letter, with payment listing from XXXX XXXX XXXX XXXX, and a letter from Aldridge Pite Haan with a copy of the sale contract. After reviewing all documents there are different amounts claiming I owe. 
On XX/XX/2018 I contacted the Secretary of State for Louisiana to find out if Aldridge Pite Haan are licensed to collect debt in Louisiana. As of XX/XX/2018 there are no license on file for them. XXXX XXXX XXXX XXXX had given my information to a debt collection company that is not license in Louisiana. I am in process of rebuilding my credit and this is affected my credit the most.
Product: Debt collection

PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CBNA  with no successful resolution. XXXX only  reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX. I was notified by text that a " XXXX '' had been added to my Chase Bank XXXX account. I did not recognize that name and immediately went to a Chase Branch to ask if the text was valid. They indicated it was and gave me the number to Chase fraud. Upon calling I learned that someone had accessed my Chase account and transferred {$5000.00} from my savings to my checking and then made XXXX XXXX transfers to this XXXX totaling {$5000.00}. I filed a fraud claim while on the phone. Upon arriving home I found that there was a Remote Session window open and someone had remoted into my computer to steal my money. I recalled that I had opened an email previously and clicked on a link and my computer warned me it was suspicious and I closed it. I believe this is when the thief/thieves accessed my computer and uploaded something to track my keystrokes for log in information. 
I filed a police report with the XXXX Police Department and I also hired a computer specialist to examine my computer as well as take it back to factory reset to insure the thieves would no longer have access to my computer. 
I have provided Chase Bank with the XXXX Police report, a letter from the IT specialist explaining how the thieves accessed my computer as well as XXXX alarm reports and XXXX  camera video footage showing I was not home at the time of the online theft from my Chase account. I have resubmitted my fraud claim twice after Chase rejected my fraud claim and they have rejected it each time. Because my username and password were never changes and my IP address was used and there were no failed log ins, Chase will not refund my money. I submitted a letter from the IT professional testifying how the thieves accessed my computer, but Chase will not consider that. I am a retired person and veteran of the XXXX XXXX living on a fixed income and I need the {$5000.00} stolen from me. Chase was negligent in not flagging this suspicious behavior and stopping it before the thieves got my money and they should do what is right and return my funds to me. I even stated I would submit to a lie detector test to prove I do not know who " XXXX '' is, that I have never given access to my banking information to anyone and that I have no idea who stole my money. Please help me as I have no one else to turn to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding debt with XXXXXXXX XXXX XXXX. I contacted them on XX/XX/XXXX of this year to make a settlement offer. XXXX agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to XXXX in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted Experian and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the Experian portal and confirmed receipt by phone. 

Experian explained that any documentation would be considered fraudulent and false unless confirmed by XXXX. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When Experian contacted XXXX they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted XXXX and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter and identity theft report for the unauthorized inquiries placed on my report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

Experian : XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX, XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX I did not authorize these inquires. I believe I am a victim of fraud.
Product: Credit card

In applying to XXXX University for a XXXX, I was required to pay a application fee ; the website used for that fee required a PayPal transaction to take place. Already having an account with PayPal, I logged in an updated my information. When I went to pay with my card that was linked to my PayPal account, I was taken through a series of forms that did not inquire about my credit card. I tried exiting what I was doing, as it was confusing to me. Going back to the main menu, I started over again and attempted to submit the payment, which was {$55.00}. It went through, and I realized that it went through as PayPal Credit, not a charge to my credit card that was linked to PayPal. Assuming at that point, it would deduct the amount from my linked credit card/bank account, I left my PayPal account alone. Two months later, I discovered I had a late fee charge of {$25.00} and also an interest charge, in addition to the {$55.00} charge to the new account that I never authorized. I am aware that CFPB is in litigation over the matter and very pleased that these practices are being condemned. I do not know if there are other ways to protect against such schemes. In any case, PayPal will not have my business, nor any other friends or family members, if I can help it.
Product: Credit reporting or other personal consumer reports

I recently looked on my credit reports from Experian 's website, XXXX XXXX  and XXXX XXXX  on XX/XX/year>. I noticed an inquiry that did not have " Permissible Purpose ''. According to the Fair Credit Act, anything that's reporting on my credit report must have Permissible Purpose according to USC 1681 B. 

Delete this XXXX XXXX XXXX Date XX/XX/year>. 


I have also informed Experian Several times that my mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted the company and told them i didnt want any information obtained or released. They now have obtained personal information including date of birth and debit card numbers. They also now are saying i owe a certain amount that i received an email saying it was paid. I need this debt removed because i was told it was paid, and i did not approve any release of records or personal information.
Product: Checking or savings account

See attached file/detailed letter to Bank of America. Please feel free to contact me for additional information. 

Bank of America mistakenly froze my account which resulted in around 16+ creditors having their payments from me refused, rejected, or denied by the bank. The best explanation I received from the bank was that the name of a non-existent person was mistakenly attached to the account and because attempts to reach this person were unsuccessful, they froze my account. One of their customer service representatives also mistakenly connected my debit card to my son 's account resulting in me draining most of his funds. Around five additional customer service reps also gave incorrect information to me or insisted that I had the wrong routing number and told me I would have to contact creditors with the " correct '' number. It turned out that all customer service reps were wrong. I have spent much of the last month dealing with phone calls, emails, and letters trying to sort out this humiliating and time-consuming situation. This " mistake '' has caused lasting negative financial, emotional, and personal repercussions. 

Full details are given in the attached letter.
Product: Debt collection

This Debt collection company has reported a collection on my credit file that is not mines
Product: Credit card or prepaid card

Last Friday I logged into my online Chase account and noticed that all of my credit card accounts were closed. Today, I received a letter for all credit card accounts confirming they were closed. Chase shared  they were closing the accounts because of the number of recent credit inquiries and accounts opened as well as the total number of accounts I had with them. I have a fico score in the high XXXX-low XXXX, have never paid late, and have been a Chase customer for years. I feel it is discriminatory that they recently approved me for a new credit card and then turned around and closed all of my accounts.