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

So early in XXXX I was hacked several times on XXXX one night i just got paid and from XXXX and I got hacked again well I was asleep I went from XXXX dollars to XXXX over night I called money network my debit card provider and explained to them the issue apparently the person did a terrible job but I wouldnt find that out till XXXX  months later still fighting to get that money back today. They tried to put the blame on me saying that I must have gave my personal information to someone which was absolutely false. So fast forward a month and a half later I start receiving notification from XXXX saying that my banks are calling for refunds and at that time I had switched to new banks XXXX XXXX XXXX XXXX and I never contacted them about XXXX at all so I gave both banks a call they said no we never contacted them and would not with out my consent so I contacted tangos support they took a week to reply and they said yes sorry that it was an error and there was nothing they could do and contact my bank for a refund. Which I did and then my both banks are telling me to contact the merchant so all parties are blaming each other and XXXX out of money and no help. XXXX gave me a provisional credit and then reversed it leaving me negative and any money that came in went to the debt so costed me more.. I am truly left with nothing no options or help I dont know what to do
Product: Debt collection

As of XX/XX/XXXX, my bank account was overdrafted for the amount of {$78.00} by XXXX XXXX XXXX at the address of XXXX. XXXX XXXX XXXX, Illinois XXXX and I wish to file a complaint against XXXX XXXX XXXX because of this occurring with my bank account. I have documentation from their office with the {$310.00} that I supposedly owe to the XXXX  XXXX XXXX even though I advised the representative that they could not take money from my bank account until after XX/XX/XXXX. I have already filed a complaint with my bank and they are working on that end as well. I feel as though this collection agency XXXX XXXX XXXX leads former XXXX  XXXX XXXX Students astray with their demands for collection of money that is supposedly owed. This money should have been satisfied with my federal student loans by the college but they sent the funds back to the US Department of Education. I received the collections notice on XX/XX/XXXX stating that the XXXX  XXXX XXXX wants {$310.00} and I feel as though I do not owe them this money at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2022. I sent a money transfer {$500.00} through XXXX and later canceled. They promised to refund me my money after 10 business days. After 10 days I called, texted and sent bank statements and photos as requested by them but till today no result. I think I have been scammed. 
Each time I request my refund, they keep playing me around circles and making false promises without my money refunded. I need help to collect my {$500.00} immediately. I am desperately in need of that money to support my family. 
Thank you.
Product: Student loan

Navient tried to increase the amount of my monthly payment 3 months ago, claiming they redisclosed new terms of my loan and that my loan would not be paid off within the 360 months I had originally signed. This increase was made after 14 years of the same monthIy payment. Navient had bought my loan from Sallie Mae, who had bought my loan from XXXX. I spoke to 3 levels of supervisors who then agreed to change the amount back to the original monthly payment I had been making. 3 months later, Navient again tried to increase the monthly payment, claiming again that my current payment would not fit into 360 months. I argued that any monthyl loan payment should stay the same from beginning to end unless terms were renegotiated. They repeated that they had to abide by federal guidelines and " redisclose '' new terms. 

This is false and predatory action. Repayment of any fixed rate loan should never change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all three credit bureaus Experian XXXX  and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i clicked through from a " credit match '' prompt on Experian for a chase card " pre-qualification '' that said it " will not afect your credit '' and on the following screen entered some basic information and then subsequently  discovered this created a HARD inquiry in addition to the soft inquiry - I am not sure what happened or how, but had XXXX intention of applying officially or understanding that it was occurring. They refused to understand or take responsibility for the misleading verbiage and blamed it on the site I was transferred from ( which happened to be experian ) - A consumer has a right to EXPLICITY know and understand they are APPLYING for something as opposed to checking to see if they MIghT qualify for a card and if it is worth it to actually APPLY officially
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support payments were all paid and should have reflected paid in full with Experian but Experian failed to do an investigation, they did not update the status.
Product: Credit reporting or other personal consumer reports

Received a letter in regards to a hawaiian airline credit card application. this letter was in my maiden name and sent to my mother address. 
I have not applied for a new credit card. I have check credit karma and it shows it ran my credit and has dropped my credit score down.
Product: Debt collection

I'm not liable for the debt of {$550.00}. I don't have a contract with RESURGENT RECEIVABLES and I did not signed any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original credit XXXX XXXX XX/XX/2023 and declared my card stolen and reported unauthorized transactions had occurred with my card. As a result XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Product: Credit card or prepaid card

Apparently Synchrony Bank recently sent emails to all of their customers stating they are changing their process of delivering their statements/bills to all of its customer to electronic delivery only unless you opted out. I did not received these notifications for whatever reason on some of my accounts so I was not able to opt out of receiving them electronically. So in turn I never received my statements to know my bill was due. Which caused me to miss payments on two of my accounts with them. I called them once I received notification they were past due and got them taken care of and they even waived the late fees due to my good payment history. I have had some of the accounts since XX/XX/2012. Then all of a sudden I am getting all of these letters in the mail they are closing all of my accounts with them due to bad payment history or whatever. I tried calling them and asking them why they were doing this and why they were reporting this to the credit bureau and destroying my credit report. They said they do annual reviews of accounts and decided to close all of mine and report them to the credit bureau. This is not right at all. They have absolutely destroyed my credit history with this complete XXXX! I realize I have a lot of unsecured debt but I pay my bills and I pay them every month on time. They are doing this to a lot of people. I know personally they have done it to my mother as well. These people need to be investigated for their business practices they are destroying peoples lives. They are just looking for ways to make up $ for all they lost due to people not making payment due to Covid and it's not right. What are people supposed to do? What if they never got the email or the letter in the mail? I guarantee you will be getting a lot of complaints about this. I don't care the accounts are closed. I am glad they are. I will never ever do business with Synchrony Bank again! I do however want my credit report fixed to show I closed the accounts at my choice and I was never late.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU! 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a acct that has been on my credit FILE SINCE XXXX ... i have continuously disputed this item ... but the credit reporting agencies refuse to remove it from my credit file.i submitted an old credit report from XXXX showing how long this acct has been on my credit report.the acct in reference is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please have the following items removed from my Credit File as soon as possible. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to have the disputed accounts and information removed from my Credit File, so please do so.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Equifax XX/XX/23 informing them of incorrect information on my credit report. They failed to respond and remove the information. This is my final notice that you are not reporting an open date, or close date for accounts DEPARTMENT OF TREASU XXXX, XXXX, XXXX  which is a violation of the FCRA. Also, the alleged debt has yet to be verified by the company. I am requesting that the account is deleted from my credit report. If this account is not removed within 5 days, I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me.
Product: Credit card

There is a BofA account under my credit report THAT IS NOT MINE- I see a history from XX/XX/XXXX to XX/XX/XXXX on XXXX ( shorten account number available upon request ). This account shows as closed but there's a 30 days late payment as last payment that's DESTROYING MY PERFECT CREDIT. 

I have disputed this with all credit bureaus, and they haven't been able to fix this - all information comes back as " fair credit reporting act compliant ''.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Trans Union and Experian for failing to properly verify accounts appearing on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes, these credit reporting agencies have neglected their legal obligation to conduct reasonable investigations and have continued to report inaccurate and unverifiable information.

I have obtained a letter from the courts explicitly stating that they do not report information to the credit bureaus. This directly contradicts the information listed on my credit report, proving that these accounts are unverified and should not be included in my credit history. As a result, the credit bureaus ' actions constitute a violation of my rights under the FCRA and can be classified as identity theft.

Under the FCRA ( 15 U.S.C. 1681 ), credit bureaus must ensure maximum possible accuracy when reporting consumer information. Furthermore, under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit bureaus must conduct a proper reinvestigation of disputed items and delete any information that can not be verified. In this case, the failure to obtain accurate information from the original source and the continued reporting of unverifiable accounts is a clear breach of these legal requirements.

I am requesting the immediate removal of the fraudulent and unverified accounts from my credit report and an official statement from the credit bureaus confirming that these inaccuracies have been addressed. Additionally, I request that the CFPB conduct an investigation into this matter and take appropriate enforcement action to prevent further violations of consumer rights.

Enclosed are copies of supporting documents, including the letter from the courts, prior dispute correspondence, and copies of my credit reports showing the erroneous accounts.

I appreciate your prompt attention to this matter and look forward to your resolution of this complaint. Please provide me with a written response detailing the actions taken to correct this issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.

1681 et seq. ), I am requesting that these accounts be permanently removed from my file within five ( 5 ) days, as they are either inaccurate, unverifiable, or obsolete. 

1. U S Departments of education of ed XXXX XX/XX/XXXX {$2000.00} No Action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX
Product: Credit card

Referance complaint XXXX. Received a precorded text message from XXXX XXXX XXXX, XXXX ext XXXX. Left XXXX responses leaving my telephone number were as we could discuss the problems with this B of A account. Last message to XXXX XXXX was sent XXXX minutes after XXXX XXXX XXXX time. Still no return call from him even after last call & my phone was left open in case he called. 
I have come to the firm determination I DO NOT NEED this Bank of American account. I had had enough of 5 months of playing games previously trying to get functional credit & debit cards to purchase important items such food from local grocery stores etc.,, or need XXXXXXXX XXXX XXXX from local bank ATM 's, & the ATM 's from varies ATM machines telling me the credit card won't work. Therefore I request for whatever it takes, please remove this accout. Thank You
Product: Credit reporting or other personal consumer reports

I started to get collection call from various companies with bills from XXXX, XXXXXXXX XXXX XXXX and more. I recently found out that there was a data breach from a credit bureau a while back and my information may have been stolen. No one contacted me about this matter and I don't know how to get this rectified. I would like to have my credit history cleared so that I may my credit as well as cease the calls from debt collectors. 
Please Help.
Product: Credit card or prepaid card

There is a {$500.00} charge on the card for a money transfer service I purchased from a third party that never happened but they debited my account. Wanted start a dispute. Money Network agreed but they said they had to send me a form to sign first. Never received such a form.
 XXXX 
Also contacted them by sending them a letter, still no response.
 XXXX 
I have no idea what their intentions are.
Product: Credit card or prepaid card

I have a Discover Card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Product: Checking or savings account

On the night of XXXX XXXXXXXX XXXX at approximately XXXX, I deposited {$2000.00} cash into my accountant at XXXX XXXX XXXX XXXX XXXX  so I could pay my mortgage. After I inserted the bills the atm proceeded to count the money ( or thats what I thought XXXX, flashed a quick error message on the screen and spit back out a XXXX XXXX XXXX. The screen said thank you for banking with us and went back to its Home Screen after spitting my card back to me. 
I immediately checked my account balance on my phone and the {$1900.00} that I didnt receive was not credited to my account. 
I then called the number on the atm and got in touch with someone and explained my situation. 
While I was on hold I put my atm card in the machine to select the deposit option to see if it would open and I could possibly get my money out. Wishful thinking. 
It wouldnt even let me select the deposit cash option on the screen. 
By this time I was back on the phone with a different person. I explained to the the situation and they told me they would help me open a claim. I drove from the atm into the banks parking lot, gave all my information for the claim and was told XXXX days this issue should be resolved. 
To be proactive I also called the bank branch where the incident happened the morning they opened. I explained my situation to the gentleman who answered the phone and he told me that I would have to submit a claim over the phone and that there was nothing that he could do. 
I gave them a little over XXXX  days and was told by another person on the phone that I received the wrong information and that it would take at least XXXX  days for this matter to be solved. 
Fast forward to the XXXX day I was told my claim was denied bc there were no overages in the atm at the end of the week. 
Not accepting losing out on {$1900.00} I asked what I was supposed to do they told me I could make another claim. Which I dont understand what that is going to do if they already denied the claim. 
So here I am frustrated and still out of my money and now my mortgage is late.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2017 I saw reports of a large Data breach at Equifax. I went to the Equifax site and found that my information was compromised as part of the data breach. Equifax has known about this breach for weeks and not notified people that were impacted by this. Also, I am seeing articles stating that Equifax employees sold a bunch of stock prior to the breach being made public.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite my repeated attempts to address these inaccuracies and my requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 it was suppose to be removed XXXX XXXX it is still showing on my credit report I did this multiple times before this date through XXXX XXXX I called multiple times for this account to be removed nothing has been done There are 2 accounts that just wont I dont owe anything on them but its still on my account and wrong address
Product: Debt collection

This collection account stems from a data breach, and despite my efforts to contact the collection agency, they insist on receiving payments for a debt that I do not owe. 

The open balance is {$3600.00} but they call everyday on different numbers asking for different amount and harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.