23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I registered for auto-debit for payment of my loans in XX/XX/2023. I received correspondence from Nelnet that confirmed I was placed on an auto-debit plan and that it would start after XX/XX/2023. My first payment due on my loans under the SAVE repayment plan was XX/XX/2023 for {$160.00}. On Monday, XX/XX/2023, my account indicated that it was " past due '' and there was no record of the pending auto-debit in my account. So, I paid my {$160.00} loan payment on XX/XX/2023 through the web. Now, in my checking account, I see two payments for my loan payments, indicating that the original auto-debit must have gone through. I'd like this to be resolved quickly and frankly, for Nelnet to get their XXXX together. I understand if they are understaffed at the moment but they knew repayment was on the horizon and had 3 years to figure this out. Now, I've paid them extra money, who knows what they will do with the extra money ( probably keep it towards interest, even though under the SAVE plan if I pay the required payment the remaining uncovered interest is supposed to be forgiven ).
Product: Credit reporting or other personal consumer reports

Dear XXXX Consumer Assistance, I am writing to formally file a complaint regarding serious inaccuracies in my credit report, as well as potential violations of the Fair Credit Reporting Act ( FRCA ) ( 15 USC 44 ), 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ). These discrepancies and violations have raised significant concerns and have had a negative impact on my financial standing. 

Upon reviewing my credit report, I discovered several errors that are affecting my creditworthiness and financial opportunities. The inaccuracies include incorrect account information, unauthorized inquiries, and data that does not align with my financial history. These errors not only harm my financial well-being but also raise questions about the accuracy and integrity of the credit reporting process. 

I am concerned that these inaccuracies may constitute violations of the FRCA, a federal statute designed to ensure the fair and accurate reporting of consumer credit information. Additionally, I believe that XXXX may be in breach of federal regulations regarding the power and duties of credit reporting agencies, as outlined in 12 USC 83 ( a ) and 12 USC 1431. The Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ) also mandates the protection of personal information and data accuracy, which is crucial in maintaining the integrity of consumer credit reports. 

I request an immediate and thorough investigation into the discrepancies in my credit report and their implications for my creditworthiness. I also urge XXXX to take corrective actions promptly, including the removal of inaccurate information and the rectification of unauthorized inquiries. Moreover, I request that XXXX ensures strict compliance with the FRCA, 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) in all credit reporting activities. 

I expect a written response to this complaint, outlining the steps taken to rectify the inaccuracies in my credit report, and to ensure full compliance with federal regulations and consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I demand your re-investigation that this account XXXX XXXX Account XXXX : XXXX claiming that I owe this company for a debt that is not valid information. I have to date received no proof that I owe this company any debt and I am being a victim of fraud authorized activity on my credit report. I'm requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. Please note that proper documentation is NOT a print out or a bill from them but rather actual proof of the alleged debts existence. If no findings are found this needs to be deleted from my credit report immediately. 15 U.S.C 1681EB states all information on my credit report should be 100 % accuarate and up to date. Thank you
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. XXXX  XXXX bank XX/XX/24
Product: Credit card or prepaid card

XX/XX/19 at XXXX I placed an online order with XXXX using my Citibank credit card. When I attempted to personalize the order, I found that their program was not as described, and that I would need to purchase additional food. I canceled the order on the merchant 's website. I received a confirmation email from the merchant at XXXX XX/XX/19 that this order had been canceled. 

When the order appeared on my credit card account, I filed a dispute with Citibank. Within my dispute I identified that the product was not as described ( NOT a full meal replacement program ) and I stated that the order had been canceled within hours of having been initiated. 

Citibank apparently only notified the merchant of the " goods/services not as expected '' portion of my dispute and did not include that the order had been canceled in their contact with the merchant. 

XX/XX/19 I discovered that Citibank had marked this dispute " resolved ''. I contacted Citibank and spoke with their dispute clerks who refused to reopen this dispute. The clerk stated that on XX/XX/19 Citibank sent me a notice to the messaging center within Citibank 's website, but this clerk admitted that Citibank never emailed me, called me or sent me a letter. He told me that I, as a customer, am expected to " check the messaging center every day '' in the event Citibank has sent me a notice. I find this ridiculous. 

Citibank failed to properly adjudicate this dispute. I have documentation to verify that this order was canceled within hours of being placed. Citibank never requested documentation or asked any questions. They apparently just sent a form letter to the merchant and, without contacting me for documentation, " resolved '' this dispute.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses and inquiries are listed in the attached FTC. 

Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX
Product: Debt collection

A company called alliance recovery called stating i owed XXXX dollars for a loan in 2013 and they were takingme to court for XXXX dollars. The company said the name of the company I owed was XXXX XXXX.. I have never heard if this company nore have I ever took a loan from this company. I asked the gentleman his name he would not give me it I asked what was the address and phone number to the so called company that I owed this money to. He could not give me any of this information. I continued to ask what the address to his company was and he would not give me that information as well. When I told him I have paid off all debts and had receipts if the company I took a loan out for he started calling me a XXXX and a XXXX  and said he was going to keep calling my phone until the company closes for the day.. he then turned around and called my phone 7 times after the call. I called back and spoke with a so called supervisor and he said he can't help me with any of the information I was asking the other gentlemen for and I can go to the court on my court date on Thursday.. keep in mind I haven't been subpoena to go to any kind of court date.. im pretty sure this call is a scam. And would like to report this so some one who doesn't keep track of their finances falls for this trap and ends up losing money that is truly not owed to someone The phone number and name for this company calling me was called alliance recovery and phone number is XXXX
Product: Money transfer, virtual currency, or money service

I answered an ad for someone selling doberman puppies on XXXX on XX/XX/2020. I texted back and forth with the seller about the details about the puppies. The breeder said that the puppies will be only available in 8 weeks but he is taking deposits. He said that they will be available on XX/XX/2020. I asked him to call me which he did and we discussed the process of how the ears  will be cropped. He said that the puppies are {$1600.00} but if you pay in full early that the price drops to {$1300.00}. I asked him if I could pay him {$500.00} today and {$800.00} on the following Tuesday, he said yes but they only take payments through XXXX. I though that was not an issue since XXXX is promoted by my bank Wells Fargo and they have fraud protection. I asked the breeder for references and he said that he will send them to me shortly. I sent the breeder {$500.00} and still had not seen the references the seller told me they would send. The strange thing is the breeder had a XXXX VA area code and the ad was posted in XXXX Florida. A couple hours passed and I still did not get the references. Out of curiosity, I checked the XXXX ads in XXXX VA for doberman puppies and saw the same exact ad in XXXX VA with the same phone number. I texted the seller and still did not hear back from them. I realized that I was scammed and tried to file a dispute with my bank right away. I then found out that XXXX payments cant be disputed because I sent the money. How is this possible? Please help me get my {$500.00} back. How is there no fraud protection.
Product: Payday loan, title loan, or personal loan

I had went to a furniture store on XX/XX/XXXX received it on XX/XX/XXXX. They told me I can get a line of credit from a Company called Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. I applied and got approved for the XXXX. If I would of payed it off in three months no interest rates would of applied. However that could of went as planned cause the flowing week the furniture started falling apart. Draw handles were breaking bed legs were on the verge of breaking and wood was chipping on the bed. I called back the furniture tried to get them to fix it. They were rude I called the loan company tried to get there help and they told me I had to call the furniture store cause they wont take back damaged furniture until I make a payment. It was to the point where I went to small claims court and filed a complaint against the furniture store. My court date was set for XX/XX/XXXX at XXXX. Until then I continued to call the merchant and the credit company. Then on XX/XX/19 the Furniture store decided they want to come and fix my furniture. I allowed them to cause my XXXXyr old  had to sleep on that bed. After they fixed it I called back Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. to have them adjust my late fees and payments to start my payment for after they fixed my furniture due to my furniture being damaged for 3months and me trying to get them to fix it. Instead of them helping me with my three months of stress and worry about weather or not the bed is going to break while my son is sleeping on it. They rather tell me this will be on my credit it I dont pay and I signed a contract with them. What about the defaulted furniture I was sold. I would like for my bill to be started fresh in XXXX or I want my lease terminated. I have pictures to prove my case as well as legal papers I had filed for court. As well as they have recording of our conversations. This is injustice and a company like this should never be in business they are robbing people and messing up their credit.
Product: Checking or savings account

I am unsuccessfully trying to receive the amount that was in my checking account before it was closed for no reason by the Bank of America. I called several times and they told me that I would only receive the amount after the total closure of the account, which would be on XX/XX/2023. It turns out that I have bills to pay for rent, insurance and others, including my salary being deposited on that account and now I'm unable to access it. This is causing me a lot of financial problems as I have almost XXXX dollars in the account which was also to pay my income tax. I need to get the money back immediately or I'm about to lose my job because I don't have money for insurance and gas for my car because I use it for my job. Please help me against this institution that is ending my life.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for and was approved for a balance transfer offer through XXXX. I requested to transfer the entire amount of my current American Express card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/XXXX. However, I also checked my American Express card and noticed that the balance was not paid off. I spoke with American Express and was told that they had not yet received the payment from XXXX. According to them, the account number that was provided for the American Express account was not mine. I do not know how this could be, as I only hold 1 American Express credit card. I spoke with customer service representatives from XXXX multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with XXXX on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both American Express and my current XXXX card ( including the balance transfer fee ) which both hold the same funds from my transfer. On XX/XX/XXXX, I spoke with XXXX executives and they did a three-way call with American Express. American Express was able to locate the correct account so that the funds could be routed. I was told this would take 24-48 hours. It is now XX/XX/XXXX and the money has still not been paid to American Express. XXXX has now closed the case on their end and I am now waiting for American Express to correctly pay off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint requesting my XXXX XXXX XXXX reporting on XXXX and XXXX XXXX XXXX reporting to all 3 XXXX, XXXX and EQ be removed because it is reporting inaccurately and unverifiable. 
I have submitted request per these dates and received a VERIFIED as ACCURATE each time per XXXX XXXX. 

XX/XX/XXXX disputed inaccurate reporting of XXXX ( verified as accurate ) XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX " XX/XX/XXXX deleted by Equifax XXXX and placed back onto credit report same day ( now appears twice ) same identical XXXX XXXX XXXX XXXX sent me my 202 page report showing in Section 9 under Bankrupcty that nothing is there. I have attached this document as well.
Product: Checking or savings account

I am writing to file a complaint againg Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having funds when transactions were authorized. I was charged fees due to lagging posting of charges. This aligns with the recent findings with the CFBP. I believe the practices are unfair.
Product: Credit reporting or other personal consumer reports

Experian offers only XXXX issues for contacting them via phone or web : Fraud or Freeze. After trying to access my XXXX I have been locked out. They do not accept my password for reasons unknown to me. Note : My XXXX is frozen by me which is ok. I want to get in and correct the password issue and there is NO option to get tech support. Are you aware of this issue?? And can you contact them to fix/allow a way to correct password issues? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

PUBLIC RECORD ON ACCOUNT THAT DOES NOT BELONG TO ME. I DO NOT HAVE KNOWLEDGE OF THE ACCOUNT. 

XXXX XXXX XXXX XXXX - CIVIL JUDGEMENT FOR {$1000.00} IN XX/XX/2020.
Product: Credit card

XX/XX/XXXX. Received phone call from person stating they were from Bank of America. They stated they received a request for a credit card in my name, with additional card for my wife. However the name they provided for my wife ( XXXX XXXX ), is not my wife 's name. I told them to cancel the request and they responded they would " Hold '' the request, I replied, " No, don't hold, cancel the request ''. 
The information they gave me was : XXXX card applied for in the amount of {$7800.00} Person applying : XXXX XXXX last XXXX of credit card : XXXX Case number : XXXX Confirmation Number '' XXXX
Product: Mortgage

At first, the mortgage representative said i was not approved. Then the bank had me sign pre-approval documents through docusign. 
Upon questioning him, he said has going to " cancel '' it. 

Other reps said I was approved and received the loan papers and pre-approval letter. They have been extremely unhelpful
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX  XXXX Account # XXXX, CXXXX XXXX XXXX  Account # # # # # # # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 reporting 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. 
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a collection agency that i dont recognize as mine. This account was open on XXXXXXXX  and they cant validate this debt as mine ... .they must to sent me proof as mine ....
Product: Credit reporting or other personal consumer reports

While checking my recent credit report I noticed fraudulent inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please validate the information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature I formally request that these fraudulent inquiries be deleted immediately from the credit file under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I have two affirm accounts that were two small loans for a buy. Now pay later they went into collections called XXXX XXXX I paid them in full for one collection and made an agreement to pay to settle for less for the other collection for the past month I have been fighting with a Affirm to update the correct information on my credit report, they keep saying that I have a balance on both with both should have a XXXX balance, because I paid their collection agency in full for one and agreed to settle for less for the other, but it still should show as paid in full. I have called numerous times in the past month and they refused to update the information correctly stating I still owe a balance on both accounts and they have not updated my credit report. I do not owe a balance on either if they communicate with their collection agency properly.