23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 the fradulaent charges were done at XXXX XXXX XXXX in XXXX XXXX. Three charges totaling {$5200.00}. That same day another fradulaent charge was done in XXXX at an XXXX gas station for {$45.00}. The last charge was done on XXXX XXXX, 2020 at a restuarant XXXX XXXX XXXX XXXX for {$71.00}. On XXXX XXXX, 2020 a call was put into the credit card company to report the theft, after receiving a text message with an alert someone was trying to purchase some items at XXXX XXXX XXXX. The credit card proceed to investige the charges and close the case a week or two later stating the charges were on the credit card owner. The son in law made a call on XX/XX/2020 to speak to the credit card company to gather information on how they found the credit card owner responsible if it was clearly in fraud incident. On one of the calls the credit card company request that we provide a police report. We have given the police report number to the credit card, but doesn't seem to help. 
Today i plan on attaching all the information from the police report we have at the moment. 
XXXX XXXX XXXX office actually has the reciepts from the purchased committed at XXXX XXXX  XXXX. One thing the detective told us is the credit card that was used to commit these crimes and the one the credit card owner has does not have the same expiration date.
Product: Credit card or prepaid card

My XXXX XXXX credit card was charged a Return Payment Fee of {$28.00} on XX/XX/2019 because the scheduled payment of {$150.00} did not process. The bank was called on XX/XX/2019 when it was is discovered that the payment had not been processed. The bank reported that no transaction had been received in that amount. I called Comenity Bank Customer Care for the credit card and went over the information with the Payment Solutions Department. The individual who assisted me went over the bank account information and discovered that the system automatically deletes the leading XXXX for the routing number resulting in an error when the payment is processed and the bank account not being found. A correction was and a payment was then scheduled for a today XX/XX/2019 of {$150.00} to be applied to my credit card balance. Since it was discovered that it was Comenity Bank 's own system that caused the payment to be returned I asked that they refund the Return Payment Fee, the representative I was then transferred to stated that their system did not allow for such an action and that they do not and would not credit my account {$28.00}. I understand if it had been an error on my end but that was not the case and I ended the call there.
Product: Credit reporting or other personal consumer reports

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 
Let me be VERY clear : If these inaccuracies are not removed from my credit report within 15 days of this notice, I Request that XXXX, Equifax and XXXX pay an invoice for XXXX for violations of the FCRA, seeking damages for your willful non-compliance and negligence. This could result in significant financial penalties against your organization. Additionally, I am now filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and informing my states Attorney General of your violations. Consider this your final opportunity to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXXl XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX XXXX ), also another ( Inquiry date XXXX from XXXX XXXX  XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX  ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for XXXX XXXX ).
Product: Debt collection

Send debt verification letter XX/XX/2023. 

Company sent a letter saying account is accurate with no requested information provided.
Product: Mortgage

This is a complaint regarding a solar loan from Loan Pal, they have since changed their name to GoodLeap.

I have requested a statement regarding an outstanding balance of {$110.00}. 
I have made countless attempts to get them to explain why this amount appeared on my bill as outstanding when all of my records indicate I actually overpaid them by a couple of bucks to make sure my last payment of {$16.00} covered the last outstanding balance of {$10.00}. 
This company reported that I defaulted on my loan and sent it to collections. They are the only ones in my entire history claiming I didn't pay my bills. 
I made a {$50000.00} payment to pay down my loan and something is fishy. Perhaps they claimed I defaulted to hide the {$50000.00} ... I do not know but something is wrong and I am a victim. I was locked out of their website and refuse to try and find the information online. I have asked to be supplied with a statement detailing the so-called outstanding balance, they refuse. I need hard copies of all loan documents for my accountant and attorney. Why did they change their name, why do they refuse to provide monthly statements.
Product: Checking or savings account

XXXX XXXX  was debited from my account on XX/XX/2022 without services being rendered. From XXXX  With debit card ending in XXXX This money needs to be returned back to my account IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

There are things on my credit report that are violations of the FCRA, and I request that they be removed as soon as possible because they are infringing on my rights as a consumer. My privacy has been invaded, and my reputation has been slandered. With no permission its Identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Product: Debt collection

The company is a group of XXXX members or more claiming that I received medicine, healthcare, finance, and radiology. The debt is ruining my credit file and destroying my developmental history. She wants money from a third party that the Consumer Financial Protection Bureau filed a bankruptcy against to give her the money instead of me. That is why she is following me everywhere from state to state. She is money mad!
Product: Credit reporting or other personal consumer reports

I sent a letter out in regards to the Misleading & Inaccurate things I saw reporting on my credit report. Almost XXXX days later I still have not received a response and this is my XXXX attempt! This is causing me a great deal of stress & I feel like Im being taken advantage of. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives reason to immediately remove items from my credit report. I demand that these accounts are deleted immediately as I feel forced to file XXXX for the heartache & stress that this matter has caused me.
Product: Credit reporting or other personal consumer reports

these are the accounts i marked as inaccurate XXXX XXXX XXXX XXXX XXXX {$23000.00} I disputed inaccuate loan amount, car was reposessed and sold by original sales company that left a balance of XXXX XXXX  on original purchase price. no action taken by company to fix the inaccuracy. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} I Disputed the account was not mine no action taken by company. 

XXXX XXXX XXXX XXXX XXXX {$2200.00} I Disputed account not mine no action taken by company XXXX XXXX XXXX XXXX {$2000.00} I Disputed account not mine no action taken by company.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 reporting or other personal consumer reports

I received a denial letter for a XXXX XXXX XXXX account on XX/XX/XXXX. It is dated XX/XX/XXXX and comes from Chase Bank. 
I did not apply for this. I have no idea who did this using my name.
Product: Credit reporting or other personal consumer reports

Experian and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( XXXX ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to Experian and XXXX, using an invasive entity called XXXX Associates XXXX XXXX XXXX another cartel ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud C # XXXX ), ToR Dark/Deep web, Cloud, IoT networks, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known as PRAA on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the XXXX XXXX XXXX. My information was also posted publicly ( I am a victim of identity theft ) on a private XXXX XXXX XXXX website called XXXX - part of the long list of illegal RICO activities from this " Church '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with Experian requesting more information on the XXXX inquiry however Experian never responded with the contact information details. 

XXXX Tops List of Banks Who Received Federal Aid - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollar government bailed out XXXX and XXXX XXXX XXXX  XXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out XXXX along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX XXXX. XXXX dollar government bailed out XXXX along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.
Product: Debt collection

In addition to an existing complaint # XXXX. I have previously filed a complaint trying to figure out where a {$9000.00} check went. A Bank of America 0 % interest check was mailed out to XXXX XXXX  on XX/XX/XXXX in the amount of {$9000.00}. to pay down a home equity loan. XXXX XXXX said they never received it and Bank of America said they did because it was cashed. They forwarded me a copy of the check front and back. It was endorsed by XXXX XXXX which is not how I spell my name and it was made out to XXXX XXXX so XXXX XXXX should not have been able to cash it. Bank of America had an open fraud case on this from XXXX to XXXX and after all that time they sent me a letter saying I am responsible for paying this {$9000.00} that is sitting in someone else 's account. Initially I assumed someone inside XXXX XXXX  was behind this because another check that was sent directly from XXXX XXXX for {$13000.00} was also being investigated because it wasn't posting to the equity account. I was later recovered and I'm assuming they figured it out. However XXXX XXXX informed me that check appeared to be that of a mobile deposit. Which I never knew. Bank of America was working on this for 7 months and never told me that. I don't understand how a check for such a large amount was able to be deposited without a license or proof of identity. That is so wrong. .I don't know understand how I'm responsible for this fraud. Please help me to figure this out as I do not have that king of money to pay for the banks error on letting this go through.
Product: Checking or savings account

I opened a Schwab bank brokerage account and checking account at XX/XX/2019. They  checked my credit at XXXX with Hard pull inquiry. I got approved at same day. everything goes right. I set up my online banking ready to fund to my account. When I try to login in my online bank at XX/XX/XXXX. I realized my account has been close by the bank. I called their customer service they said everything is ok but my XXXX  has negative information about my account?? What. I opened lots of bank account never have problem about my account. And they check my credit thru my SSN. and already approve my account. Why they still check another system to close my account. I don't accept it. I think they insult me a lot.
Product: Student loan

I've been asking for a status update on my XXXX  applications since last year and have not received XXXX. I submitted my temporary XXXX  waiver in XXXX of 2022 and consolidated my loans at the direction of the student loan provider, but I have not received any updates on my applications. My eligible payment count has been at XXXX since the consolidation in XXXX of last year. I've worked at eligible employers ( nonprofit and academia ) for almost 14 years, so I believe I've reached forgiveness for most of my student loans. I've asked Mohela to put my loans in forbearance while I wait on them to process my application but I was told I can only receive a forbearance if I've made XXXX qualifying payments, however, on the XXXX  application it clearly states that while your application is being processed you can request a forbearance, it does not have any language about a XXXX payment requirement. Also, if I've already made XXXX qualifying payments, I wouldn't need a forbearance because my loans would be forgiven. Not allowing me to receive a forbearance when the application states I can receive a forbearance while waiting on my application to be processed is unethical and unjust. If student aid gov or Mohela is inundated with XXXX applications and behind schedule with counting eligible payments they should put my loans in forbearance while they catch up on calculations. I don't understand why my loans weren't updated last year while things were paused for student loans. Mohela has contacted me to make payments for the last couple of months, but they have not contacted me about student forgiveness in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXXXXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX  XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Product: Debt collection

Account Name : VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and thE contract they sent over does not have my address or signature on file. The contract also shows 1 payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( FDCPA ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially one that does not belong to me.
Product: Credit card

Continental Finance llc reniged on there promotion offer of 6 months of on time payments would increase credit line to XXXX from XXXX tried to say I was late on a payment by XXXX days which is not true there was a pmt on time but some prossing error on there behalf which they blamed me for of course to get out of there commint offer of course!
Product: Credit reporting

I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has listed a car loan I had with them as charged off and I paid the full amount owed. The car was totaled and I had full coverage with gap insurance XXXX was my lender and my insurance company after my past husband totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my daughter homeless a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a monster of a company causing me much grief and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a XXXX victim of theirs
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Synchrony Bank has started to close all my accounts during the COVID pandemic of XXXX without notification. They simply closed my accounts and sent me a letter AFTER the fact. Today XX/XX/XXXX I received three additional letters indicating that they closed my Lowes, Care Credit and XXXX XXXX credit cards after I specifically told them LAST year not to close Lowes or Care Credit because those were emergency credit cards. I have been paying monthly and ON TIME but their letters said I was INCAPABLE of paying my bills - XXXX - PREJUDICED - if I were WHITE this wouldn't be happening. HOW DARE THEY JUDGE ME. I am paying ALL MY BILLS and my business is BOOMING. They are also reporting that the cards were closed by them which FUTHER AFFECTS my credit score.
Product: Mortgage

While I was still making payments, XXXX alleged that I stopped making payments and sought foreclosure. XXXX XXXX XXXX XXXX is now foreclosing on me using the wrong information supplied by XXXX and Seterus.
Product: Checking or savings account

I was recently a victim of identity theft and I think Chase has done a terrible job of providing any identity fraud services to help mitigate the financial loss to me or to chase. The identity thief tried to get a new debit card in my name with my information in an atattempt to gain access to the funds in my checking account. I was fortunate that I noticed an email from Chase buried in my gmail account. It was a miracle I saw and read this email. 

Any potential security breach should be brought to the attention to the acount owner by a phone call. Also, I am beyond angry that my acount has a fee charged for the issuance of a new debit card to the crook I have every intention of moving my busines from Chase. They should be ashamed of the poor customer service. The fee they charged me for the fraudulent debit card request is laughable. I am embarrassed for them. I will move my business to a financial instiuton that cares. 

XXXX XXXX XXXX
Product: Debt collection

I received a letter from USCB America on XX/XX/XXXX about a collection I owed to XXXX XXXX Georgia in the amount of {$130.00}. I immediately started having a XXXX XXXX since I am set up on auto pay with XXXX XXXX every month and this months was the final ACH being drafted of only {$22.00}. I frantically contacted the billing department on Monday XX/XX/XXXX to inquire about the balance and they reassured me it was only {$22.00} and that my account was never sent to collections. I believe this a scam company prying on people and they need to be stoped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit reports after it was agreed upon to pay and delete. This debt was paid in 2016 and still showing on my credit reports.