23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my early warning report. I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to early warning systems asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX XXXX XXXX Account : XXXX According to the FCRA Right to Dispute Inaccuracies o Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

Notification of Dispute Results o Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report.

Notice of Disputed Information to Furnishers Section 623 ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. 


XXXX XXXX XXXX violated my consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt. Please find all attached disputes sent to XXXX XXXX XXXX and their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX IN Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Axos Bank is offering a {$300.00} bonus when I opened a new Rewards Checking using promo code XXXX. I direct deposited XXXX but still not received the advertised bonus XXXX.
Product: Credit reporting or other personal consumer reports

I've reached out to the credit report compony about the bankruptcy on my report and the accounts that are showing negative on my report and they refuse to show ownership or proof that they belong to me
Product: Checking or savings account

I went to use XXXX XXXX  on XX/XX/XXXX to send my boyfriend {$630.00} dollars for my car payment. XXXX XXXX  said it didn't work, so I tried again, XXXX dollars to XXXX XXXX XXXX, and it once again said it didn't work. Chime sent the amount twice. My boyfriend never received the money. I contacted XXXX and they looked into the issue and said they declined the payment. I then contacted Chime to dispute the problem on XX/XX/XXXX and they said the money sent with no problem, which isn't true, my boyfriend never received it. Today is XX/XX/XXXX and Chime is still holding my money, a total of {$1200.00} because they took XXXX out twice and are saying it might take till XX/XX/XXXX to fix the problem. It's unacceptable that they won't give me money back that was never sent anywhere to begin with.
Product: Debt collection

AMSHER COLLECTION SERV is report on XXXX/XXXX/2023 a balance of {$440.00} I have no Idea what this account is. I need the company to validate this by the following 1. I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3. Also provide with the master bill of sale
Product: Credit card or prepaid card

In XXXX of 2022 I was in XXXX for the weekend. I left my card at a bar. I called the bar a few days later and asked if they had my card and they said they shred all cards left over the weekend. I called Capital One to get a replacement card and they sent a card with the same number to me. Then on XX/XX/XXXX someone made 6 fraudulent purchases with my card. I called Capital One again and they sent me a new card number. The fraud department is holding me responsible for these charges since someone used the physical card for them, despite me not being in XXXX and the fact that I called after my card was lost initially and they proceeded to send me a card with the SAME number on it. The supervisor I talked to told me that I can submit evidence but refused to give me examples of what evidence. I told him I have a COVID test appointment/result in XXXX 2 days later but nothing on the day of. He essentially told me that I had no chance of winning this case even though I have not physically been in XXXX in months.
Product: Money transfer, virtual currency, or money service

Cash app settlement! I heard everyone who was victimized from cash app was writing in complaints for their money back! I believe I was victimized because my personal information was leaked due to Cash Apps phone call help. And also one time they took XXXX $ from my account and said they only took XXXX $ tried to get help but they couldnt prove they took the XXXX
Product: Debt collection

On XX/XX/2023, a business I was not aware of retrieved {$120.00} off a a prepaid card that is used to transfer money to and from my bank account. I then called the company I have a card with they informed me they couldnt do anything until the action was in pending status for 24 hours until it was completed, and could resolve in a dispute. I then went on the internet to look up the business to retrieve information I called and reached out to see what is this or what matters it regards to. I am unaware of who this company is and I did not authorize any purchase with I asked if I could receive a refund they said no, I retrieved a email XX/XX/2023 asking me to sign for the purchase but the purchase was completed XX/XX/2023. The prepaid card has now open an dispute as of XX/XX/2023 and its still ongoing.
Product: Payday loan, title loan, or personal loan

In early XXXX, I reached out to a Small Business Banking specialist to apply for a Business Line of Credit for my business. I am not a current customer of BOA and was looking to transfer my main accounts over and establish a relationship. My company has been around since 2016 and have done substantially well for ourselves. My credit is superior as well as the business credit. So, I have never been denied a credit request in my life not has my business. That is until I applied at BOA. Imagine my surprise once I was told that I was denied and would be told the reason via mail for a business that grosses and averages over {>= $1,000,000} per year, even during the pandemic. It absurd. My taxes are current. The business taxes are current. My credit is great, and the business credit is great. The company is and always has been profitable. But yet, I was denied a BLOC for whatever reason.and I can only it is one reason. I am a XXXX XXXX XXXXXXXX, and this is no secret that companies continue to XXXX  against business XXXX or XXXX  business owners and its sickening. I was always aware of companies such as XXXX XXXX and their rampant and blatant XXXX  practices, but I was unaware that BOA did the same thing. 

Normally, I would take my business elsewhere, but I can no longer bow down to these systematic XXXX issues that will continue to plague the society that my children will have to live in. Bank of America you should be ashamed of yourself. If you will continue to behave in this manner, be bold about it. Let the world know what you stand for so that every XXXX and XXXX  client you have can make an informed and conscious decision on whether they should bank with your company. 

How do you explain denying a consumer that has never received a denial letter in her life. I have always been approved or offered a counter offer but never ever ever have I been denied nor do I have any reasons to be denied. This is absolutely disgusting and disheartening.
Product: Debt collection

XXXX keeps calling from a masked number XXXX XXXX XXXX XXXX. I have repeatedly told her to remove the phone number, stop calling, and contact me via mail. She refuses to do so. Furthermore, she does not identify herself as a debt collector as required by law. Furthermore, she calls this number and tells people who pick up the nature of the call.
Product: Debt collection

XX/XX/2022 {$220.00} I had spoke with Affirm right when I received a email saying someone was trying to make a purchase with the account I already had. The women stated she see this happen and I caught it just in time to put my account on hold. Affirm also has when your making a purchase you get notification on my phone to my number with a code you have to give them to confirm it's you that's making a purchase and I never got anything. but a email to my phone saying transaction was made from Affirm. I also send the information I got to my email from them saying it was a purchase to XXXX XXXX. I reach out and they couldn't give me information but the name on the account was different them my name and email is what she said. I being filled out dispute and they keep saying I had no case or it's not my fault.
Product: Bank account or service

I have a Checking and Saving with Navy Federal Credit Union and I happen to inquired about Bill Payments to for one Extremely important my Life Insurance XXXX the Bill Payment was setup on XXXX XXXX, 2015 to be paid on XXXX XXXX, 2015. The Confirmation Number XXXX of payment for Navy Federal Credit Union. Then I contact XXXX XXXX XXXX to confirm they received payment to Customer Service Representative informed that no they did not received payment. So I contact Navy Federal Credit Union to request them to trace and confirm payment they stated that the bill payment was set up on XXXX XXXX, 2015 and the check for {$77.00} mailed via United State Postal Indiana the nearest payment processing center. The Check Number is XXXX and XXXX said that he can not trace the check and not even verify proof of payment. Please investigate that Navy Federal Credit Union are following United States Federal Banking Regulation and that they are working within the Federal Banking and Federal Credit Union Regulation and they following Bill Payment Regulations. I have no way of verification or payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we received a letter for Chase stating that we had applied for an Amazon.com Visa Signature card. We had not. We called Chase and they blamed us by stating that we 'clicked a button ' at Amazon that initiated the request. They told us that they would close the request.
Last week we received another letter from Chase that has exactly the same information. Today I pulled my credit report and am shocked to see that Chase has continually been running credit inquiries. These inquiries have brought my credit score down. The inquiries from Chase, which I did not initiate, were on these dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with Amazon and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a Chase Credit Card from Amazon. Thus this is a repeated fraudulent request. Can you assist with resolving this so that my Credit History is fixed and does n't continue to drop?
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX  account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX 5 ) XXXX account # XXXX, has violated my rights. 
6 ) XXXX  XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX XXXX Account # XXXX, has violated my rights. 
11 ) XXXX  XXXX account # XXXX, has violated my rights. 
12 ) XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I am a XXXX and I have been trying to apply for an Income Repayment Program through the XXXX XXXX XXXX XXXX loan XXXX program. I consolidated my loans with XXXX and I am unable to pay the monthly amount. I heard that I qualify for XXXX from my military service, but the XXXX XXXX 's XXXX in XXXX has been contacted several times about my loan from XXXX. My XXXX XXXX XXXX XXXX was disbanded in XXXX and the moved to XXXX in XXXX CA and they lost my information. I have my information and from XXXX XXXX and need to proceed.
Product: Mortgage

Our mortgage was sold to NewRez. Payments were made successfully for three months, set up auto payment, letter received all was set up and good. Payments were taken out from our bank account, payment posted on mortgage site, then received notification of lack of funds, reverse payment, late fee for four consecutive months, with no money going back into our bank account, which has the funds no question. We contacted NewRez, who then had us contact a second company, Shellpoint, who has not contacted us about resolving the issue and who has now contacted us about potential foreclosure if not paid. We have paid, money has been taken out of our bank account, and we may have overpaid at least one month for this snafu. Paperwork originated from NewRez, now that we have contacted Shellpoint, the paperwork is now coming from Shellpoint, with no notification of the company changing names or our mortgage being sold again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not consent to the following lenders pulling my credit report : XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2021
Product: Debt collection

I received a letter in the mail from a law firm stating they were trying to collect a debt from me. I did not owe any monies to the company who they listed. I called the original creditor and they also told me I do not have any outstanding balances with them and that they have never heard of this law firm. They do not use this law firm ( or any ) to collect debts because of HIPAA laws. I have attached the letter I received in the mail and a copy of my original receipt from the original creditor.
Product: Credit reporting or other personal consumer reports

Good afternoon I used to have a joint account auto loan with XXXX XXXX which I paid on time since XX/XX/XXXX always on time. Unfortunately, the car was totaled on XX/XX/XXXX due to weather and XXXX XXXX told me through the phone that they would get in contact with the GAP Insurance ( XXXX ) to charge them any difference. Effectively they did but it was not resolved on time showing in my account two late payments XX/XX/XXXX and XX/XX/XXXX, before the account got fully paid by the GAP Insurance and later closed. I have asked them to remove those two showing late payments but they told me that I need to talk to the bureaus and the bureaus keeps telling me that I need to talk to XXXX XXXX They had me back and forward until I decided to reach the CFPB to help me solve this situation. Thank you in advance!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX. The Last Reported amount for this account on Transunion and XXXX is XX/XX/XXXX. The Last Reported for this account on XXXX is XX/XX/XXXX. For the last two years, Transunion is showing this account has not been reporting since XX/XX/XXXX. XXXX is showing this account reporting in collections since XX/XX/XXXX. XXXX is showing this account reporting in positive payment history since XX/XX/XXXX. This is inaccurate reporting history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. There is no way to confirm which bureau is reporting correctly and which is inaccurate. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision. 

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two negative items on my account that Equifax took points away from me for one is XXXX XXXX  two is XXXX  I did not close these accounts and I would like to have my points given back that they took from me.
Product: Credit reporting or other personal consumer reports

My loans were forgiven under the public service loan forgiveness program in XXXX of XXXX. To date, Mohela has refused to update my balance and status with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I dispute some companies with Experian and XXXX about unauthorized inquiries on my report and in 2 hours they update me saying the inquires were accurate. Those inquires are not! They closed my dispute and tell me the hard inquiries will stay on my record for 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX XXXX card were paid with agreement to delete the account information, XXXX XXXX states a request to delete was sent in XXXX/XXXX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report
Product: Debt collection

Credit Collection Service is trying to collect a debt that is NOT mine. I have already told them its not mine but still on my credit report. 




I know my rights as a protected consumer. I did not Knowingly obtain possession of goods services or monies as a result of these alleged transactions that I am seeking to block. 
According to 15USS1681c-2 and FDCPA 806 -FDCPA 806 harassment and abuse I am a victim of harrasment and abusive practices, getting calls and auto voice notes during working hours. I already contacted the creditors and told them that these accounts where inaccurate, but they were still reported negatively to my credit report without my consent. 

I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is also a violation of 15usc 1681b
Product: Debt collection

XX/XX/19 Morning- XXXX XXXX XXXX contacted me regarding an unpaid debt from Walmart for approximately XXXX dollars. On this date they threatened to take legal action. 

XX/XX/19 Afternoon- My wife contacted XXXX XXXX  XXXX and asked about said debt and they gave her private information without anything to verify identity including SSN, Pervious address, Full name and date of birth. At this time they demanded a wire transfer of amount stated. 

XXXX- Demanded wire transfer that was told to my wife and wanted the wire transfer number for tracking purposes. I requested a certified letter with Debt lenders information and amount of deft owed to said collector. I was told that they did not have time for that and would sue me using Walmart 's legal Department. Also threatened to put a warrant for my arrest and contact my place of work. 

They continued to contact me multiple times after and I was advised by XXXX XXXX that I did not have to answer calls made by XXXX  XXXX   XXXX. Also that they have to provide a certified letter with Debt lenders information and amount of deft owed to said collector.