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

XX/XX/XXXX  debit icon   XXXX   XXXX     XXXX   XXXX  Va    XXXX   XXXX     XXXX    {$11.00} XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va  XXXX  {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX    Va   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  debit i con    XXXX   XXXX   XXXX     XXXX , Va Us  XXXX  {$10.00}  XX/XX/XXXX  atm icon *  XXXX     XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  atm icon  XXXX   XXXX , Va Us ATM Withdrawal {$260.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$3.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$100.00} XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   {$4.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   {$3.00}  XX/XX/XXXX  atm icon   XXXX   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$83.00}  XX/XX/XXXX  atm icon   XXXX   ATM Withdrawal {$300.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   {$16.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$83.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX    XXXX  Va   XXXX   XXXX   XXXX   {$2.00} XX/XX/XXXX atm icon   XXXX   ATM Withdrawal {$160.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   , Md   XXXX   XXXX   XXXX   {$14.00}  XX/XX/XXXX  atm icon * XXXX   XXXX , Va Us ATM Withdrawal  XX/XX/XXXX  Branch Banking And Tru  XXXX , Va U ATM Withdrawal {$200.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX  debit icon   XXXX   XXXX   XXXX     XXXX   XXXX   , Va   XXXX   XXXX   XXXX   XXXX   {$8.00} XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00} XX/XX/XXXX atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$120.00}  XX/XX/XXXX  atm icon @   XXXX   XXXX   #  XXXX , Va Us ATM Withdrawal {$100.00}  XX/XX/XXXX  atm icon  XXXX  ATM Withdrawal {$160.00}  XX/XX/XXXX debit icon   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   {$1.00}  XX/XX/XXXX atm icon   XXXX   XXXX   XXXX    XXXX , Va Us ATM Withdrawal {$82.00}  XX/XX/XXXX atm icon @   XXXX   XXXX   XXXX  , Va Us ATM Withdrawal {$100.00}
Product: Debt collection

This " debt '' has already been resolved with the previous debt collector ( have letter confirming this ). 

Copying the verbiage from the previous challenge to this debt : " Validated with the lab that my insurance will cover the blood work. No Co pay or deductible was requested. The lab billed my insurance company, and my insurance company paid out the claim. The lab company then proceed to bill an additional {$750.00} for just simple blood work. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax to remove a fraud alert from my file that I DID NOT place on there, and they told me they could not verify me after providing them with BOTH my social and date of birth. They asked me to email them a selfie, social security card, and my drivers license. First off I do not even recall giving Equifax the consent to even having my personal information to begin with so them asking for not only my drivers license and social security card but also a SELFIE is ridiculous. The companies that I actually do business with does not even ask me for this information. As a consumer, I should not have to provide equifax any of that information in order to remove a fraud alert that I DID NOT place from a report that was furnished about me without my consent.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of an unauthorized account on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that this account is the result of identity theft. I initiated to contact with the company associated with this account, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed this fraudulent account from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the account continues to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of this account. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

Bank of America closed my account for no reason. My account wasn't overdrawn. I had called BofA because I had mistakenly paid the wrong account for XXXX XXXX XXXX. When prompting in a text I thought I was paying my wireless bill. I called BofA because I was confused as to which bill I had paid. I was considering reversing that payment so I could pay the wireless bill. I have no idea where they got the idea that was fraud unless they misunderstood me. Then I waited a hour just to be seen. The officer is telling me that if they make this determination I can't have an open bank account. Bank of America is not responsive at all.
Product: Credit reporting or other personal consumer reports

Im in complete shock and disappointment after seeing inaccurate accounts show up on my credit report today. I check my report routinely, but todays discrepancies were completely unexpected. I even refreshed my browser to see if it was a temporary glitch, but the errors stayed. I need the documents Ive submitted to be carefully examined so I can stop worrying about this issue.
Product: Vehicle loan or lease

purchased a boat, used XXXX XXXX to apply, ot the loan approved, i doc signed all the contracts and dmv papers, aqua finance and XXXX XXXX XXXX said they wired the money to XXXX XXXX bank account and they were to wire transfer to XXXX XXXX for my boat, it never got wired, been over a month and my first payment is due tomorrow. i don't have a boat, i have an open loan for XXXX on my credit report, XXXX XXXX XXXX have given nothing but empty promises from XXXX XXXX in Texas and Aqua has stopped communicating with me, won't return emails or calls. Please help me XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account XXXX and XXXX XXXX  account XXXX is still showing on my credit report. This account is more than 7 years old. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not 7 years old and never get a response. I have written several letters and made phone calls with zero assistance. Debt over 7 years old must be removed or they must show proof to validate it can legally still be reported. experian and XXXX  refuse to remove old debt. The next step will be having my attorney file a lawsuit.
Product: Debt collection

Company Keeps calling me and has also called other family members which is harassment.. Company calls at all random times of the day and excessively on weekends
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon analyzing my updates, misleading information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the list of inquiries that are reporting on my Credit Report and needs to be removed : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ;XX/XX/XXXX - Inquired on XX/XX/XXXX ; XXXX XXXX XXXX - Inquired on XX/XX/XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

Collection account on my credit report shows open account from XX/XX/year>, I did not open an account in XXXX of 2023 and i dont know the creditor. The creditor is XXXX XXXX XXXX. phone number XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on Portfolio Recovery Associates, LLC but maybe on XXXX XXXX. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XXXX XX/XX/XXXX. These loans were through my local bank and then XXXX XXXX bought the bank and took it over on the XX/XX/XXXX. I had moved my accounts from XXXX XXXX before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had XXXX XXXX do this in another county in our state.
Product: Debt collection

I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. Chase bank is one of nine creditors that I have personally committed to repaying. Chase bank and another creditor are the last two credit cards left. Chase Bank received payments before I was served a summons by XXXX XXXX XXXX. I was surprised to receive a lawsuit in the mail. 

I rendered payments to Chase bank to satisfy my debt. In the midst of a series of payments to Chase Bank. XXXX XXXX XXXX, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX XXXX XXXX XXXX acknowledged that I sent payments for the debt. I mailed a letter to XXXX XXXX XXXX dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to XXXX XXXX XXXX- a debt collector, Chase Bank mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. 

Nevertheless, XXXX XXXX XXXX, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed XXXX XXXX XXXX, a debt collector, of the misrepresented amount. Each time XXXX XXXX XXXX, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe Chase bank and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If XXXX XXXX XXXX, a debt collector, is representing Chase Bank, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. 

This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. 

I request {$480000.00} in damages of {$1000.00} for each occurrence of XXXX XXXX XXXX, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. 

The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of a previous complaint in XX/XX/XXXX ; Experian removed a Credit Account with XXXX XXXX as well as the Inquiry from XXXX XXXX from my credit report and stated on the report that I have no open accounts. The account has been open since XX/XX/XXXX. Also with XXXX XXXX XXXX it is documented in the report of my current address ; " Notice : This address has affiliated with a business address ; commercial address. '' Also they have it documented on the report that I am " unscorable '' so I have no FICO Score.
Product: Credit card or prepaid card

Chase card services closed my account because of recent transactions on other cards. I have almost maxed out a few of my cards ( recently married ). I have never been late with a payment, i have never missed a payment and my credit score is considerable higher then when i began using their services. I also was never informed of the accounts closure, i found out about it when i logged on to review my account ( which i do monthly with all accounts ). 

This entire process has been very annoying! Now i am paying high interest for a card i can no longer use as needed.
Product: Mortgage

I have reached out several times to my mortgage servicer ( Loan care ) to review and place me in the COVID-19 Advance Loan Modification as opposed to the partial claim that I have been stuck with, which is still a struggle.

This program that I speak of is as follows ... The COVID-19 ALM will be offered to borrowers currently 90 or more days delinquent or at the end of their COVID-19 Forbearance. This new home retention option is for those homeowners whom a 30-year rate and term mortgage modification will bring the mortgage current and will reduce the Principal and Interest portion of their monthly mortgage payment by at least 25 percent. 

I began sending emails requesting this help before my forbearance fully came to an end and before my first re-instated payment was due but they are refusing to offer this option to me. I sent emails starting XX/XX/2021, then several more after that PLUS phone calls but again, I was not offered this programm
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> The inquiry was not authorized XXXX  - XXXX Date of inquiry : XX/XX/year> Late Payment XXXX Account XXXX : XXXX Late Payment XXXX  Account Number : XXXX Late Payment XXXX  XXXX Account Number : XXXX Late Payment XXXX  Account Number : XXXX Late Payment XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX Late Payment XXXX Account Number : XXXX Collection XXXX XXXX XXXX Account Number : XXXX Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Collection XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've sent various letters to XXXX XXXX with no response. Each certified letter has been returned. I am simply asking the company to remove the account from there office and return it to the original creditor so that I am able to settle and regain my credit history. I saw that the account has been closed but still reporting negatively on my credit report. I do not know what else to do. If the account is closed how is it still reporting.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Company is Synchrony Bank. Merchant is XXXX XXXX XXXX. Company did not fully arbitrate my dispute with Merchant. Company made super fast decision in Merchants favor. Dispute involves my cat and approximately {$900.00} in Veterinary charges for tests not done, a wrong diagnosis and wrong treatment from Merchant. Merchant is a theif! Read attached XXXX Reviews from other customers who got ripped off by this Merchant. Company is not fair and obviously arbitrary in Merchants favor because Company gets a lot of business from Merchant.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year> someone went into an Advance America loan office and took out a loan in my name. I have never been into one of those places It gets taken off my credit each year but keeps coming back each summer this will be the third time to dispute I have a police report
Product: Money transfer, virtual currency, or money service

PayPal closed my new account with My my funds of selling My used bike, for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

There was a period of time in my life that was very difficult to handle due to some problem. I always tried my best to get every payment to you on time. I had a few lateness education loans which I paid. I paid every thing a have {$0.00} balance. But old lateness still reporting in my credit report, and ruining credit. 

I am asking you and your company for a goodwill request to remove paid lateness from credit report. 
Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter. 
DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDU/XXXX  XXXX DEPT OF EDU/XXXX  XXXX XXXX   XXXX
Product: Checking or savings account

On XX/XX/2019 I filed a stolen card report with Chase Bank. I was told the information provided was inconsistent because after reported the card stolen, I used the card less ATM in the Chase Bank to handle my daily expenses therefore my reversals was denied and now my account is over drafted over {$3000.00} and was not given specific information on what further documentation was needed in order to proceed with the investigation.
Product: Mortgage

I was overcharged for an appraisal by Signature Mortgage and XXXX XXXX in XXXX XXXX, IN. The {$520.00} price they charged was {$240.00} more than the " appraisal '' fee listed in the Itemization of Fees disclosure. Further - they also tacked on an " appraisal management fee '' - which I have no idea what that is. Even with that garbage fee, they still overcharged me by {$50.00} above the Itemization of Fees disclosure for the appraisal. I signed off on the Itemization on XXXX/XXXX/16, but XXXX suggested an FHA mortgage on XXXX to which I agreed. They never sent an updated Itemization after XXXX yet XXXX tried to tell me the FHA appraisal was more costly, but she never told me that when she suggested the FHA loan, nor did she explain WHY an FHA appraisal was more, or what an " appraisal management fee '' was. Worse, as the appraisal came in lower than expected, the re-fi did not go through and I 'm out {$520.00} for nothing.
Product: Mortgage

I entered into forbearance in 2020. At the end of my forbearance my mortgage company required a large good faith payment, along with doubling my monthly payments. I asked if I could get a deferral and was denied. A deferral would allow me time to refinance with a cash out and pay back the missed payments. They are not being helpful and I'm met with resistance with every suggestion. I can pay my monthly payments, but asking me to double the payments puts more strain on my finances, meaning I would have to default on other debts.