23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
Product: Credit card

I submitted application for XXXX XXXX ( XXXX ) Credit card with is provided by BOA. They had promotional offer of XXXX miles, if I spend $ XXXX in first XXXX  month. Also, XXXX the card application it was mentioned I'll be able to use the card immediately after approval. 

I got the application approved and received the Credit card number, I was trying to booking flight tickets but card kept declining. 

I called BOA customer card several times but they were not able to help, customer rep mentioned it their system problem. I was unable to perform that flight transaction worth $ XXXX. 

I requested BOA to honor the promotional offer since they didn't allow me to use the card immediately after approval as advertised but they are not ready to honor the offer. 

I've paid {$89.00} as yearly fee for the card. I requested them to refund me the annual fee and close the card if they can not honor the promotion but they are not ready refund me the annual fee. 

I've other loss of {$40.00} because if their offer which they falsely advertise.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the inaccuracies I have found on my credit report. Upon review, I noticed several items that are either incorrect or unverifiable. These errors must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

I request that you promptly investigate the disputed information and take action to ensure my credit report is 100 % accurate. For your reference, I have attached a copy of my credit report. 

I expect a timely response and a corrected report once the investigation is complete.
Product: Payday loan, title loan, or personal loan

I had some issues with my car and had to put {$2000.00} down on a new one. Causing me to be behind on Bill 's. I contacted World finance and said I would make the payment as soon as I could. They continue to call everyday to my references and work place and even told my references that I was behind on my payments. They violated my privacy and have caused issues at my work. XXXX at world finance in XXXX texas has been out of hand. And i refuse to contact them because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Student loan

When the REPAYE plan was switched to the SAVE plan, my payment went up not down, which made no sense. Additionally, it is significantly higher than ( 1 ) I was told it would be via the estimator, ( 2 ) I was counseled it would be by Mohela reps, ( 3 ) it should be based on the outlined calculation process, ( 4 ) similarly situated peers with similar income and debt.

In addition to not being able to articulate the reasoning for the payment amount continually adjusted to the higher rate, I also received a statement demanding payment for an even greater amount beyond what it states in my account is my monthly payment. Again, Mohela was unable to explain to me why the amount was upped.

I have spoken to no less than five representatives over the last three weeks. I have asked for calls back and they were never returned. I have spent over 7 hours on hold. I can not get a hold of anyone and when I do no one will provide me answers or documentation for the discrepancies.
Product: Bank account or service

We were a victim of fraud and my debit card was used at a ATM. Per the investigation of the XXXX ATM charges, Chase has decided that I did XXXX of the transactions and did not do the other XXXX. When I tried to talk about it I was told that the investigation is complete. All of theses transactions happened in the middle of the night and on back to back days. I Was told that because I made a ATM withdrawal of {$500.00} on XXXX/XXXX/15 @ XXXX XXXX that I did the other transactions of {$500.00} that occurred @ XXXX and XXXX XXXX. This whole experience has been terrible and I have been miss treated by Chase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.
Product: Credit card or prepaid card

I was given a {$25.00} gift card for my birthday and made a purchase through XXXX  to get food. There was hair in my food so I contacted XXXX  and they issued me a refund of {$16.00}. vanilla gift card is telling me I have to wait 3 weeks before I can get my refund but when I originally called them they told me I would see my refund within 72 hours now I'm being told I have to wait 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


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

This loan is my ex husbands for his vehicle. I was the co signer at the time when we were married. Since he was making late payments in the past years I since XX/XX/year>2024 started making payments for a vehicle that is not in my possession due to his irresponsibilities affecting my credit score. I spoke to a customer service representative in XX/XX/year>2024 and she advised I have until the XXXX of the following month to pay before it is considered late. Since then i have not made a late payment this year and requesting investigation for XX/XX/year>2024 and requesting removal of this inaccuracy during the investigation period.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference.

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors.

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Product: Mortgage

In XX/XX/XXXX I asked KeyBank to move a {$50.00} payment that was being held to a principle payment. The wrote me a letter saying they did it. 

In XX/XX/XXXX ( just this year ) they sent me a statement showing they did NOT honor my request and the {$50.00} still shows as held on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my TransUnion Credit report and submitted a request to validate hard inquiries on my credit report that were not recognized as authentic or authorized. 

Transunion sent a form letter dated XX/XX/2019 indicating that inquires remain on my credit report for two years with no credible investigation and an incomplete answer to the disputed inquiries on my credit report. 

They also solicited me to sign up to their free " XXXX  '' protection service.
Product: Student loan

I have made 44 qualifying public service loan forgiveness payments. However, XXXX XXXX is only qualifying 25 payments because they say a. ) I was not employed from XX/XX/2015 until XX/XX/2015 when I was and have submitted that evidence and b. ) I was in " paid ahead '' status and did not apply my extra payment to principle so they could disqualify my payments for the last several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, : XXXX XXXX  Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I tried to payoff my loan on XX/XX/XXXX. I was told I needed a debit card which I replied no because my bank will freeze the payment thinking its fraudulent. I was told by my contract legally I need to provide a debit card. I reread my contract and nothing is mentioned about needing a debit card. Told them if they can not accept my payment ACH like on file they are refusing payment and to stop further deductions. I was told that was no way to stop payments, within my consumer rights I can refuse and take off ACH for any reason! They have also failed to report to my credit agencies of payments maid which I was told they would!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. despite the countless letters I have been sending to the Credit Bureaus, they have done nothing! These inquiries were never authorized and I need them to be rmoved from my Credit report as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/1993 Address : XXXX XXXX XXXX  XXXX, XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address.

A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information.

2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX notified me that a deposit I made was being held and my account has went to the security team. Upon contacting them the same day I was advised I was given a check that may not clear and my account was on hold. After contacting the check issuer my Employer I was advised they issued a check to a closed account and needed to correct the issue and also sent a letter explaining the mix-up. I have been an NFC customer since XXXX and did not understand why I ended up in fraud. My entire online platform was placed on hold and blocked access to both of my secured credit cards in which I make payments directly from my checking account. 

On XX/XX/XXXX I spoke with customer service again and was advised that my account was still blocked and I needed to make my payment until the investigation is complete. She attempted to transfer to the fraud team to unblock and explain the mix-up. I was able to schedule a payment with her, however on XX/XX/XXXX I receive an alert that I was late for payment on my credit, I was never late in history. I called again and was told it was an error and its no way to make a payment on my account while I was on hold until the investigation is over. I advised this would make my account report incorrectly and asked to close both secured accounts, however, this was never done. 

On XX/XX/XXXX, I receive another credit alert for both cards and late status, I called NFC right away and spoke with customer service. She advised my accounts had never been closed and were on hold with fraud, she transferred me and I waited an hour before someone picked me up at XXXX XXXX. The specialist put me on hold after I explained the issue and was really not trying to help, he sounded very disoriented and not interested in hearing my concern. By the end of the conversation he was unable to help and I asked again to close the accounts because they are secured and funds were available in my savings account to pay off. He paid off both cards and closed them, however, now my credit is ruined and the account has been reported incorrectly because of blocking access to pay the accounts online and was told payment would be scheduled. My account should have never been closed, it was a Human Error that caused this, please fix it.
Product: Credit card or prepaid card

I have placed an online order on XX/XX/2022, Order # XXXX, the order amount was for {$580.00}, I have returned all items on that order, however, only received a refund for {$440.00}, I did not receive a refund for {$130.00}, I have called customer service 4 times and was always told that they apologize and it will be refunded to me within few days, it has been XXXX weeks now with no success. I was even told that it was refunded to me, although my current credit card balance reflects that this amount has not been refunded to me.
Product: Debt collection

I am receiving derogatory credit report remarks for an account that does not belong to me. I do not owe this debt in the amount of {$470.00} and I request that this be removed from negatively impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring. I was alerted that there was a hard inquiry on my report XX/XX/2018. I checked the company out & dont recognize it. Nor have I applied for anything recently. I called them & they offer no help & can't tell me anything. I want to know who used my social to try & get a loan & i want the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation from Discover on XX/XX/2022 and they have failed to provide me with adequate information of this alleged fraudulent debt they are claiming I owe. When asked to send my original signed contract, they instead sent me a statement that had nothing to do with my request. Please clarify this billing error in order to properly validate this account. Per 15 USC 1666 you must provide documentary evidence along with the other requirements that make up this billing error. If you can not provide the required evidence to validate this account not including statements I will not only charge you for racketeering per 18 USC 2725 but I will also press charges against you and all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years back I was speaking to an attorney about saving my house. I was advised to file a bankruptcy to help me not get evicted. However the attorney did not tell me that even though we are not completing the BK, the line item will negatively impact my report. 

Out of desperation I listened to the attorney. Without needing to apply for my credit, during this pandemic I find myself going through a difficult time. As a XXXX XXXX, XXXX XXXX XXXX is stating they will not help my XXXX because I have a bankrupcty. 

I have contacted the court and they sent me a memorandum advising very clearly the US Bankruptcy Court does NOT report to the credit agencies. The memorandum goes on to state the court does not have any affiliation with the credit bureaus. 

I wish to have the history of the BK removed from all 3 credit agencies. XXXX, XXXX, and Equifax. 

I have disputed directly with the credit agencies. I have confirmation numbers to prove I have leveraged the Fair Credit Reporting Act. I do not know how this account reported to my report but it seems they are not permitted to report and it seems they may have went to a third party to report this negative history. 

Thank you for helping me in any way. The credit agencies say they contacted and received validation, however when I contacted the court they stated they never received any notification. 

Please help me get this PPPL approved by removing the bankrutpcy. My life and my employees lives depend on it to keep going during this pandemic. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

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

I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. Equifax is the only company that continues to deny my request. They continue to report a XXXX card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the XXXX generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with equifax. please help me with this because it has been going on too long.