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

I was divorced in XX/XX/XXXX. On XX/XX/XXXX, I called BofA and requested they close the joint credit card account that both my ex husband and myself were account holders on. They closed the account and then asked if I wanted to consider opening an account myself. I agreed, they ran my credit and offered me a card, which I received. On XX/XX/XXXX I created an online log in so I could review my most current bill. Since it was a new account, I went into the account profile to review the contact information and saw my ex-husbands email address listed as the Primary contact and my email address under his. It seems BofA kept the original account information and simply transferred it to my new account that he has no part of. I was unable to delete his email address since it was listed as primary. I called XXXX on XX/XX/XXXX at XXXX and spent 12 min and 15 sec on the phone with a female rep. She advised she removed his email address but when I refreshed my page, she had removed my email address and his remained. I advised her and she said she fixed it again. I refreshed and, in fact, my mail address was listed as primary and his was no longer there. Today, XX/XX/XXXX, my ex-husband dropped off our daughter and told me he received an email from BofA with my statement information, including my balance and minimum payment amounts. He has forwarded a copy of this email to me. If he did not notify me of this very serious privacy breach, I would have no idea he was receiving my financial information since the online account does not reflect his contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

I have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an excellent credit rating XXXX XXXX XXXX... XXXX ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high credit score and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by 3 loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX.*Lack of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had 5 mortgages, approximately 10 car loans, at least 10 installment loans for various items ( snowmobiles, jet skis, XXXX golf cart, storage building, etc. ) and close to 50 different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all 3 major credit bureaus, the 3 loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with XXXX and XXXX yesterday for XXXX XXXX  ... transferred XXXX XXXX XXXX. requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another XXXX representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( XXXX ) ... which was my LAST name for XXXX XXXX XXXX  XXXX ). I also remarried in XXXX and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security Administration didn't have an issue with changing the name on my social security card nor did the Driver 's License Bureau with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX XXXX XXXX XXXX XXXX XXXX. with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I disputed a credit card account, XXXX XXXX XXXX with XXXX XXXX XX/XX/29. Results XXXX with a remark from XXXX XXXX saying the account info disputed by consumer meets FCRA requirements. So, the info I provided was accurate. Updates were made to my account and account closed. This significantly decreased my credit score.
Product: Checking or savings account

I have a paypal debit card. 

I live in XXXX XXXX, XXXX. 

due to typhoon odette, around XX/XX/2021, the city suffered a city wide blackout, fuel shortage, and telecom blackout. 

I went to an ATM at XXXX XXXX to attempt to obtain cash to pay for food. hundreds of people were in line at the atms. I went into the mall, and found an atm I frequently used, there was no line. 

I attempted to withdraw XXXX XXXX  ( {$200.00} ). the machine did not dispense any money, nor did it give an error. I kept the receipt. 

immediately, I made a 2nd attempt. it gave an error for transaction denied or otherwise. no money was disbursed. 

I did not receive any money from this transaction. 

when we had electricity again, I borrowed a cell based internet device and disputed the error online with paypal. there is no option for 'did not receive cash ', so I selected something similar. 

I wrote i the small box that I did not receive the money. 

paypal did not investigate whether i received the money. they only investigated if the dollar amount for the transaction at paypal matched the dollar amount at the bank, what I requested. they did not investigate my claim that the funds were not disbursed, clearly written by me in the dispute. 

there is no way to appeal, the chat / contact system did not allow me to speak to a person or leave a message. 

paypal did not disclose to me in accordance with 1005.11 ( c ) ( 4 ) that I had a right to request the documents used in making the decision. I do not have any of the documents used in making the decision. 

I wrote letter to paypal XX/XX/XXXX which was not responded to. 

I chatted with them online and they refused to assist me, and gave a false reason. they merely state that the atm was reported to be functional, which is clearly a lie, because the city was in the middle of a city wide blackout, and gas stations were closed, they had no way of putting cash in the atms because there was no fuel for any vehicle to deliver the cash. all stores were closed. there was power at the mall where the atm was located, but all the stores were closed. 

I did not receive the money. I demand a full refund of {$200.00}.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ Professional Financi ] [ XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit reporting or other personal consumer reports

Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via lexis nexis. All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency XXXX XXXX XXXX
Product: Student loan

The student loan is with Navient. 18 months ago- in XXXX XXXX  2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address the numerous inaccuracies and violations in my credit report that undermine my trust in your organization and violate federal laws, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ).

Please view attachment
Product: Credit card or prepaid card

Dispute number : XXXX This bank 's online system does not let me attach any documents. This bank 's fax number does not work. Attached are supporting documents. 

Two items in concern were returned to XXXX. Crooked XXXX is not willing to refund me my money. 

XXXX ) XXXX XXXX : This item was returned at the XXXX store. The XXXX store provided me with a return receipt. The return receipt is attached with this message. You will find the tracking details in the return receipt for this item. 

XXXX ) XXXX : This item was picked up from my house. The tracking number for this return is XXXX.
Product: Checking or savings account

my account have been close since XXXX since then have not get my funds from them and i did get an email from them saying my funds have send back to sba i call sba and they did tell me they have not received any money yet i dont know what to do anymore because i have a loan with sba that as interest on it pls help me thank you
Product: Payday loan, title loan, or personal loan

This company sent me a live check for a loan which was a huge mistake for me to deposit but I was desperate & without work at the time. After the check processed I tried to set up an account online but was unable to & had no correspondence from this company or even a notification of when my due date would be even though the agreement said they would contact me to let me know of my due date & payment due. I did not hear from them until today, I missed a call from them. When I returned the call I spoke to XXXX & she told me my first payment was a day late. I told her I would have the payment & the late fee in a week. She became irate & demanded to know why I could not make payment today & persistently badgered me about how I needed to find a way to make a payment today. She then told me that if I did not bring payment today they would come to my workplace tomorrow & try to collect payment there & if I did not have it then they would have me arrested. They are predatory, berated me & harassed/threatened me. I will continue making payments as soon as next week & the loan will be paid off in full in XXXX but after that I will be contacting a lawyer about their treatment of customers.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and previously informed your agency about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen 5 years ago, and since then has been used to open up a number of wireless accounts, credit accounts, and bank accounts. I have worked extensively with other bureaus to clean up my reports but XXXX  will not remove these items. 

They have been given the FTC identity theft report, and the police report but these items have remained on my report incorrectly for month. I have filed repeated with success. The remaining unauthorized revolving/collection accounts are : XXXX XXXX XXXX XXXX XXXX ( A  previously removed account was sold to them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Who already sent a letter confirming fraud ) XXXX XXXX ( another account for some reason ) The following unauthorized inquiries were also included : XXXX XXXX XXXX XXXX ( I have never had an account ) XXXX XXXX  ( Never had an account ) XXXX ( I have never had an account ) XXXX XXXX XXXX ( Never had an account or heard of them ) XXXX ( Never had an account ) XXXX  ( Never had an account ) XXXX ( this account was confirmed fraud by them ) XXXX ( this account was confirmed fraud by them )
Product: Credit card or prepaid card

XX/XX/XXXX, bought a large rug in XXXX at start of vacation for {$1000.00} XX/XX/XXXX : Called and filed a dispute with Chase XX/XX/XXXX : Merchant responded with fake invoice saying we bought fabric, shirts, and other materials and walked out the door with merchandise XX/XX/XXXX : Chase reinstated the charge XX/XX/XXXX : We responded to the charge back and provided addition evidence. Geo tag of photo of rug we bought, date, time and location.

XX/XX/XXXX : Contact Chase again. Service rep said she re-opened the case.

This continues round and round ...

XX/XX/XXXX : Chase says that they reviewed to determine if " a billing error occurred '' and since none did we are responsible for the charge.

Chase refused to acknowledge the fact that A ) we did not receive the rug. B ) the bill the vendor provided was clearly fake ( had round off line to make total match total on cc ). Chase seemed to be trying to narrow the issue and say that since the cc charge was valid we are are responsible for the charge.

XX/XX/XXXX : I responded and said that we do not agree with their conclusion and pointed out their narrow perspective in their response. I did say that if I didn't hear back from them we would have to follow up legal action. At the time I thought we should file a small claims case. I have since decided to file a complaint via the CFPB.

No response from Chase to my written letter.

We have paid the charge so that we don't hurt our credit in the meantime. But now we would like to try to recover the {$1000.00} since I was always under the impression that we were protected when using a credit card for purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this allege account with XXXX XXXX XXXX who claims to be holder of allege debt. I requested documents from XXXX XXXX verifying this allege debt and that it is reporting accurately. XXXX XXXX XXXX never provided any proof that this is my debt or that they have authorization to even report this allege debt on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I was using Lexington law as my consumer on XXXX I didn't see a change my credit will be required for the class act of the settlement
Product: Credit reporting or other personal consumer reports

EXPERIAN had a massive Data Breach. Please check the information concering EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed a few unauthorized inquiries Federal  Student  Loans are from the same company but each Bureau is reporting and showing something different percentage of money and late payment dates are all in accurate!
Product: Vehicle loan or lease

Sometime in late month of XX/XX/XXXX I requested an extension for two months of paying my monthly car loan with Chrysler Capital Finance and it was approved to skipping XXXX and XXXX payments and first payment starts on XX/XX/XXXX. I made payment for XXXX, but my payment applied for XXXX which they reported as late payment to the credit bureaus and add late payment charges on my loan amount. The following month which is XX/XX/XXXX, I made two payments which double my monthly payment and all of it was applied to and interest alone and no payment for XX/XX/XXXX if I can recall. There after, although I am making payment on time, I am being reported to credit bureaus as late payment and being charged extra interest added on my loan. This is not the only time I am having problems with this company. In the year XXXX and XXXX, I did also requested the same extension and was granted and did the the same thing. My original loan was at {$24000.00} and my schedule payment is {$660.00} per month and I am still owe a balance of {$21000.00} as pay off. Now my account is in charge off since XX/XX/XXXX and the car is the process of being repossessed.
Product: Checking or savings account

On XX/XX/year>, I was released from jail. When I got out, I discovered that the police had left my purse, wallet, cell phone ( which contained my Social Security card, drivers license, and all of my debit cards, including my Venmo card ) in my car, which had been impounded. Upon my release, none of these items were included with my belongings, so I asked the police about my purse. They informed me that it might have been left in the car. 
Since my phone was taken, I didnt have access to my Venmo account information or passwords, as they were saved in my XXXX. I contacted Venmo and explained that I didnt have a drivers license upon release, but they still wouldnt give me access to my account. I had to go through the process of accessing my emails, which took two or three weeks, and order a replacement drivers license so I could verify my identity with Venmo. 
When I finally regained access to my Venmo account, I saw that all the money had been withdrawn. I filed a dispute with Venmo on XX/XX/year> ( or possibly XX/XX/XXXX ), but they denied most of my claims. I reopened the dispute and asked Venmo what I needed to do to assist in their investigation, but they wouldnt provide guidance. 
To take matters into my own hands, I : 1. Obtained a list of the merchants where the unauthorized transactions occurred and informed them of the fraudulent charges. 
XXXX. Collected proof of my incarceration. 
XXXX. Sent Venmo a written statement explaining the situation in detail, along with proof of my incarceration, correspondence with the merchants, police, and ATM companies. 
I also filed police reports with three different authorities, as transactions had occurred in multiple locations : - XXXX Police Department - Light Horse Police ( XXXX Police ) - XXXX XXXXXXXX XXXX XXXX Police Ive been in contact with each of these departments and provided Venmo with the correspondence. Additionally, I went to the police department, where I obtained an inmate sheet signed by an XXXX, including his badge number, as well as a verification of my incarceration from the XXXX XXXX XXXX XXXX. 
Venmo will not allow me to communicate directly with their investigation team, and a few of the dispute specialists have mentioned that they dont understand why the investigation department keeps denying my claim. These specialists have spent extra time ensuring that everything is in place so I can recover my stolen funds. 
XXXX has a zero-fault liability policy, and Venmo is XXXX aware of this but appears to be avoiding their obligation to reimburse me. The fact that I was incarcerated at the time the transactions took place should be sufficient proof that I couldnt have made them.
Product: Vehicle loan or lease

I attempted to make an ACH payment to cover month of XXXX today, XX/XX/XXXX, however, the error message stated the account is not eligible to make online payments. I am trying to avoid a late fee and need to make payment before fee is assessed. I believe the error is possibly related to past returned ACH payments, if that is the case, I have a new bank account with XXXX and funds are available. I can assure BMWF ACH payment ( s ) will process and not return. In addition, I have added my debit card with XXXX as an added payment source. Past returned ACH payment was due to a deposit not posting on end of bank, I believe funds were held for ten days, not available time payment presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$5000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.