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

XXXX fraud department left a message for me to return the call 2 days in a row and left the same call back number. When I called back, he explained that my account was hacked and I needed to pay for the hacked charges on my XXXX XXXX Bank account for a new XXXX and XXXX XXXX. He was yelling at me to send it, and he promised it was a request for the money that was about to hit my account from being hacked. said I had not sent it when I was supposed to. He then instructed me to send the request for the money, promised it was money to pay for what was charged due to my account being hacked. He began to yell at me, put me on hold to talk to a supervisor, then provided me with the information to send it, and I was coerced into sending it and approving the charge. His name was XXXX XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank/ XXXX XXXX XXXX acct.has reported me being 30 days late. Have never been 30 days late on this account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and I request the immediate blocking and deletion of the following accounts and inquiries that have been fraudulently opened or reported in my name. As provided under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$23000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$10000.00}
Product: Debt collection

A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and financed it through DCU. In XX/XX/XXXX, I began receiving notices from DCU stating that I was not in compliance with the lender 's insurance requirements and that CPI would be imposed if I did not rectify the situation. In response, on XX/XX/XXXX, I emailed DCU at XXXX, attaching proof of my vehicle insurance ( Verification of Insurance or VOI ). The email was sent from my account XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, I received no acknowledgment or reply from DCU, leading me to believe that the issue had been resolved. 

Imposition of CPI : On XX/XX/XXXX, I was notified that CPI had been imposed on my loan, adding a substantial amount of {$8700.00}, which significantly increased my monthly payments to {$1800.00}. This action was taken without any direct communication from DCU to clarify the situation or provide me with an opportunity to rectify any discrepancies in the insurance information provided. 

Discovery of Error and Lack of Due Diligence from DCU : Upon contacting DCU on XX/XX/XXXX, I discovered that the insurance information I had provided contained the wrong Vehicle Identification Number ( VIN ). While I acknowledge this error, it is pertinent to note that at no point did DCU inform me of this discrepancy or make any effort to verify the correct VIN, which could have prevented the wrongful imposition of CPI.
Product: Credit card or prepaid card

Late fees were charged, then credited then charged again. Called Goldman Sachs on 3 occasions but could not get fee charges reversed. I ended up paying the fees so I could close the account. 
It was theirXXXX XXXX that they bought from XXXX XXXX. 
I never had any late fees or issues until Goldman Sachs took over. 
I found them very difficult to deal with.
Product: Credit reporting or other personal consumer reports

The vehicle was deemed a total loss back XX/XX/XXXX. 2024. The insurance company paid out a settlement to the finance company and GAP coverage paid the rest. The consumer reporting agency keeps reporting the account and says the the account is 30 days late when the account was never late and the payments went through and processed. I have the total loss settlement, the contract regarding the car all documentation.
Product: Checking or savings account

Dear Sir, Madam, or Their, I am a XXXX  and I over drew my account. I have asked the bank to supply me the number and address they have sent my account to or let me know if we can set up a repayment plan. I think the fees are excessive. They have completely ignored my request. So now I can't pay off the money and I also can't open up at a bank that will give me overdraft protection. They just ignore me please help. 

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

There was a billing error on APPLE CARD/GS BANK USA XXXX XXXX : {$4800.00} Date Opened : XX/XX/XXXX which caused an incorrect late payment report. I had already paid the bill on XX/XX/XXXX and from XXXX to XX/XX/XXXX, but the payment was not correctly applied due to a processing error. 
And the data should be 100 % accurate and consistent.
Product: Credit card or prepaid card

On XX/XX/2019 I accidentally flew my card in the cargo bin of an airplane to XXXX XXXX from XXXX, oklahoma. The baggage handlers in XXXX found it and told me it was safe. 

On XX/XX/2019 a purchase of {$190.00} was made via my credit card for XXXX XXXX, and another purchase was made of {$21.00} for XXXX XXXX. There was also an attempt to purchase gas and {$400.00} from XXXX. 


On XX/XX/2019 I called XXXX and asked the supervisor to search my wallet, and he confirmed my credit card to be missing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the credit bureaus for failing to address my disputes regarding inaccuracies on my credit report. Despite submitting the required documentation and filing disputes within the designated timeframe, I have not received any response or resolution from the bureaus. This lack of communication has left me unable to resolve the errors affecting my XXXX XXXX and overall financial health. 

I have made multiple attempts to contact the credit bureaus to follow up on my disputes, but they have not acknowledged my concerns or provided an explanation for the lack of action. This delay and lack of response have caused significant inconvenience, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.

I am requesting that the Consumer Protection Bureau investigate this matter and take appropriate action to ensure the credit bureaus comply with their obligations to respond to disputes in a timely manner. 

My information should be as follows. 

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been a victim of the XXXX data breach and I also have inaccurate items listed on my credit reports. My reports are required to be 100 % accurate, but they are not and this is hurting my reputation with the banking system. I am looking to get a mortgage and this is hurting my chances because I have inaccurate and incorrect items on my credit report as well as unauthorized inquiries on my report. I need this removed immediately. I sent Transunion, XXXX, and XXXX letters more than 30 days ago and they disregarded my disputes. I demand you remove the disputed items immediately
Product: Credit reporting or other personal consumer reports

Late XXXX, my account was incorrectly put under the status of " charge off '' - I repeated asked how this is possible given that you can not charge off an account that has no negative history. the account reads on the Experian report. 

NO LATES, CHARGED OFF. 

I have provided the statements and the screen shorts showing NO negative history, and that the account is NOT charged off... 


I have called Experian four different times, and each time they have said to me that they have no control over the reporting and all they do is report. And I have explained to them in great detail that fair credit reporting act requires an account to be delinquent for a significant amount of time before it can be arbitrarily charged off. Which makes no sense because my account it is not in any delinquent status.
Product: Debt collection

Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth. 

The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request. 

I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam. 

The reason the number is listed is that I work sales and if you google my name it comes up as a work number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three companies bureaus transunion, XXXX, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with transunion, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
Product: Credit card or prepaid card

My name is XXXX XXXX i am using BETHPAGE secured CREDIT CARD XXXX when i open account they promise to me after year my card will be regular card automatic even i have proof of flyer advertisment which is fake advertisment some thime show double charges same trasaction charge payment twice my bill amount many time if i ask issue me refund no anyone take action only make me fool or provide diffrent phone number call there trasfer cals more then hour then finish they are small poor credit unioun greedy of money simply fraud with people now i understand why people like big brand banks they not respect of customer
Product: Credit reporting or other personal consumer reports

I went to a used car dealership XX/XX/XXXX and they ran my credit 8 times without my permission. These credit pulls are from XXXX XXXX on XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024.
Product: Checking or savings account

1. I try to pay my rent with credit card and that credit card will try to pull money from sofi saving account 2. I transfer the money to sofi account to ensure there is enough amount to cover the rent 3. However even the balance is enough to cover the rent, the attempt charge is still declined and trigger the NSF fee. Based one sofi customer service the reason is " Even if there was a sufficient funds on that time on your end, but there might be a pending transactions which was already set up to be posted in a specific date so that is why the payment might have declined due to that. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Previously, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$740.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$13000.00}
Product: Debt or credit management

I enrolled in a consolidation program initially called Infinite Law Group, now named The Law Firm of Derek Williams LLC XX/XX/2023. I enrolled XXXX different creditors to get them paid off and was told after XXXX months I would notice changes and creditors being paid off. I pay them {$180.00} every 2 weeks for their services. One creditor has been settled for about $ XXXX. XXXX other creditors theres no update. XXXX creditors thats in litigation has started garnishing my bank account because this company isnt doing their job. Ive tried to call and call and no one can be reached or the hold time is more than I have time to wait. Ive seen complaints of wait time to reach someone is 2-3 hours from other complaints. I have a job and obviously for sure cant reach them on a weekend. In total Ive paid them $ XXXX and XXXX cant even talk with anyone or get an update on whats going. Its definitely starting to seem like a fraud of a company.
Product: Credit reporting or other personal consumer reports

XXXX Attention : Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Violation of My Rights under 15 U.S.C. 6802-6805 and 15 U.S.C. 1681, and Education and Privacy Acts I am writing to formally notify you of the violations of my rights under various federal statutes and to demand immediate corrective action. 

I did not authorize Equifax, XXXX, and XXXX to report any information regarding my student loans, which violates my rights under 15 U.S.C. 6805 and 15 U.S.C. 1681 concerning permissible purposes for consumer reporting. The reports in question inaccurately list my student loans as being serviced by the Department of Education, despite the fact that XXXX has taken over my loan, originally serviced by XXXX XXXX XXXX XXXX. I never provided consent for this change in servicers, nor was I informed of my right to opt out of having my information reported on my consumer report. These actions are violations of 15 U.S.C. 6802-6805. 

Furthermore, the reporting of my student loans constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) as well as the Privacy Act of 1974. These laws are designed to protect the privacy of student education records and personal information. Your failure to comply with these regulations has caused significant distress and potential harm to my credit and personal privacy. 

I demand the following actions be taken immediately : Correction of Inaccurate Information : Ensure that all credit reporting agencies correct the inaccurate reporting of my student loans and reflect that XXXX is the current servicer. 

Cease Unauthorized Reporting : Stop reporting my information to any credit reporting agencies without my explicit consent. 

Notification of Rights : Provide me with a comprehensive explanation of my rights regarding the reporting of my loan information and any future changes to my loan servicer. 

Please acknowledge receipt of this letter and provide a written response outlining the steps you will take to address these issues within 30 days. Failure to comply may result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had two separate charges from a company that I didnt authorize it was noticed when I checked my bank statement after the card was lost and given a new XXXX these are transactions with the old debit card that I never authorized in the amount of XXXX I filed a complaint and BOA will not refund me I never authorized those I do not have that debit card and those were unauthorized transactions for a company I dont even know or have never been affiliated with. I had several other charges from a similiar company that was found unauthorized and they refunded me in the same card these are the last XXXX I found and they refuse. 

Account ending - XXXX Claim ID : XXXX
Product: Money transfer, virtual currency, or money service

I used Zelle linked with my XXXX XXXX  and XXXX XXXX  accounts and multiple times there were funds sent that never arrived which in turn made me have to re send money. Recipients never received their money. Contacted customer service and was never able to get any money back. Showed bank statements as well. Sent {$140.00} and was never delivered through Zelle. Another time I sent {$18.00} and was never sent had to send again and lost out on the money.
Product: Mortgage

My loan was transferred to Fay Servicing in the middle of XXXX from XXXX. During this transfer, XXXX informed me that they were unable to take my payment because my loan was being transferred and I should be getting information from the new servicer. XXXX provided me with a number to call the new servicer. I reached out to the new servicer and they did not have me in the system yet to give me information and told me I should be receiving information soon. Several days past until I was able to get a new account number and instructions for online account setup. I was also told that I should have a welcome packet with the details of my loan. I did not receive the documentation. 



While still waiting for the welcome packet documentation, I set up my online account, and I attempted payment but was directed to Fay Servicing XXXX number. I called and left a message based off of their recording and automated prompts. Once I was able to get in contact with a representative, I was informed my loan is now in default and I can not make payments unless I pay additional interest. I was told I have to pay approximately {$5000.00} in addition to my regular XXXX and XXXX payments. 

After speaking with a supervisor, I was told to email the customer service team for additional assistance. I was again directed to call the XXXX XXXX number. Once I was connected, I was told the same information that they can not accept any payments from me unless I pay {$5000.00} along with my {$910.00} payment for XXXX and {$910.00} payment for XXXX. 
Before my loan was transferred to Fay servicing in XXXX, I was not in default. I would like to make my payments for my loan without this undue hardship due to the transfer process from my previous servicer.
Product: Credit card

I request dispute for a charge made on XX/XX/XXXX for XXXX XXXX 
I received a temporary credit. 
On XX/XX/XXXX chase reversed the credit with no information and charged me the XXXX $ again. 
I am not able to dispute again or get information on why the charge was valid even tho it wasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN TOOK THE INFORMATION FROM XXXX XXXX WITHOUT EVEN INVESTIGATIONS THAT 1 ) I NEVER CLOSE THE ACCOUNT AT MY REQUEST. 
2 ) HAD BEEN WITH XXXX  XXXX  SINCE 1992 FROM XXXX. 
3 ) ALWAYS PAID IN FULL EVERY MONTH ALL THESE TIME FOR 38 YEARS. 
4 ) LAST 2 YEARS WE HAD A DISPUTES W/ A MERCHANT ( XXXX   XXXX  ) FOR {$500.00} THAT NEVER FINISH THE JOB, JUST WALK OUT. 
5 ) XXXX XXXX NEVER FINISH THE DISPUTES. THEREFORE, UNABLE TO PAY FOR UNFINISHED JOB.