23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

n XXXX of 2017, My internet friend named XXXX XXXX referred me to an FBI agent in XXXX named XXXX XXXX who said that he could investigate the scam case for me in XXXX and got the criminals apprehended and flied back to U.S. for a trial. 
At that time, I trusted them a lot and provide with them all the information that they need. XXXX XXXX did not ask for money in the beginning, but later on he said that he had received an arrest warrant and will have two of his men went to XXXX to arrest the criminals. So after two day later, he said his two men had arrived to the XXXXXXXX XXXX XXXX in XXXX to execute the arrest warrant. But however, the XXXX XXXX XXXX needed {$4300.00} to register a warrant from the U.S in order to arrest the person. XXXX said that I needed to pay that money immediately so that the warrant would become effective. He gave me a persons name called XXXX XXXX who is the officer working in the XXXX. I need to transfer {$4300.00} to him by XXXX. Finally, I made the following 2 payments. 
Order date Amount Reference No : XXXX XX/XX/2017 {$2000.00} Reference No : XXXX XX/XX/2017 {$2300.00} After they received totally {$4300.00}, XXXX XXXX started to ask me another XXXX certificate payment of {$14000.00}. I immediately suspected that something wrong with this case. So I stopped making all the payments. Then XXXX XXXX started to scold at me and then stop all communication with me. 
Later on, I found out XXXX XXXX is a faked FBI and his introducer, XXXX XXXX is also a scammer. However, I lost {$4300.00} already and I dont know what will be the best ways to recover my lost money.
Product: Credit reporting or other personal consumer reports

The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : XXXX, XXXX, and Expiration. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a block on my account. I want it removed
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These 6 accounts and 8 inquiries were added without my knowledge or consent. 

ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Checking or savings account

I made multiple purchases on the same day because my bank 's overdraft policy states that the maximum amount I can be charged in one day is {$100.00}, or three overdraft fees of {$34.00} each. However, I was charged a total of eight overdraft fees amounting to {$270.00}. 

I called the bank, and they explained that different types of merchants ( retail, restaurants, etc. ) process their payments in " batches. '' This apparently means the merchant does not submit their request for payment from the financial institution immediately, but at some later date. The bank explained that the overdraft fee is based on when the payment is presented to the bank by the merchant, and not when the card is swiped or authorized. That was my understanding of the bank 's explanation. 

I believe, respectfully, that this is a deceptive marketing/trade practice. Had I been aware I would be subject to eight potential overdraft charges I dead of the daily cap of three, I would not have made multiple transactions on the same day. 

Furthermore, charges from various types of retailers ( gasoline, retail, restaurant ) were all processed and posted on the same day ( XX/XX/XXXX ), but various other charges from the same types of retailers were not processed or posted until XX/XX/XXXX. Attached, please find a list of such charges from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Equifax breach. I am upset because all of my personal information is now publicly indexable. While they are also a victim as well, they have information on about XXXX XXXX Americans and there is no way to opt-out of their information gathering. They should have held that information in the strictest of confidence.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had a hard inquiry removed off my TransUnion credit report instead of my credit score going up it went down XXXX points. From XXXX to XXXX I want a real investigation.This is not the first time that happened, the other 2 credit bureaus have done the same with credit reporting. I feel there should be a investigation done of the past two years on all three bureaus before I have to get a lawyer. In past two years I have sent police reports of being a victim of identity theft keep telling me they never received them when I sent them certified mail to be signed. All the credit cards on my reports that's showing negative aren't mines and I need them off my credit report ASAP because I am tired of playing with them. The credit bureaus is designed to keep XXXX American People at certain score level and I can prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. It should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

My wife and I moved from XXXX to XXXX in 2019. XXXX claimed we still owed them {$220.00}. They could not provide a statement with the charges, and our account online showed {$0.00} balance when we left them. 

After going back and forth they simply turned the matter over to a collection agency, who then, in turn, reported to Experian to force us to pay while we still did not get a statement of fact. 

We eventually paid the {$220.00} last year to make this go away, but this cost my credit score 60+ points. 

We filed a complaint with Experian but they use their bureaucratic process to justify keeping this on my report. 

This entire process is stacked against us as consumers and is being abused in this specific case by XXXX, the collection agency, and Experian.
Product: Debt collection

I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. Thank you.
Product: Credit card

I filed a complaint with CFPB in XX/XX/year> against Barclays Bank regarding charges, interest fees and late fees not incurred by me ( complaint number XXXX ). I received a response from XXXX in the Barclays Presidents office XXXX XX/XX/year> ( cc 'd to CFPB ) that they were removing the above charges from my closed account. However, I just received a statement from Barclays showing that I still owe {$190.00} in late fees and interest charges. I also received an email notification from XXXX notifying me that a late payment notice has been reported on my closed Barclays account, resulting in a XXXX point drop in my credit report. Additionally, there was incorrect information in the response letter as to the date I first contacted Barclays regarding identity theft to my account, which tells me that XXXX did not thoroughly investigate this complaint. Barclays first notified me via email on XXXX XXXX that someone was attempting to change my contact information on my account. That was just the beginning of many, many email and phone conversations with Barclays, each time them failing to lock and secure my account. I have documentation of each and every email as well as phone conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you. 

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Timely payments have always been a priority for me on this account, ensuring they're never overdue. I'm unclear about why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Product: Credit reporting or other personal consumer reports

This debt was on my credit last year ( XXXX ) from a company called XXXX XXXX XXXX I disputed it twice with Experian and the second time it was removed from my credit. The debt was then taking off my credit but reappeared this year ( XXXX ) from a new company called XXXX XXXX XXXX XXXX. I disputed it twice with Experian and it remains. I uploaded prove that it should be deleted once again and Experian and XXXX XXXX have not giving me anything proving this debt is mine to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  collect to report accounts on my credit report that are and has been reported as identity theft through FTC. Inquiries as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary XXXX  in my life.
Product: Debt collection

A lien from a company we do n't know anything about ( XXXX XXXX XXXX XXXX ) has been placed. 

***We have paid { everything }, the mortgage, credit cards, etc. 

You could see the attached file.
Product: Student loan

My federal student loans are currently being serviced by FedLoans, and I am participating in the Federal public service loan forgiveness ( PSLF ) program. I am currently a XXXX XXXX in a 4-year program at a PSLF-eligible XXXX. Since XX/XX/XXXX, I have made monthly payments and therefore at this time should have a total of 48 of 120 PSLF-eligible months/payments at the end of these 4 years ( XX/XX/XXXX ) The number of PSLF-eligible months/payments reflected on my account with FedLoans does not reflect this. During my public service ( XXXX  at a XXXX XXXX   XXXX  ) I also enrolled in a XXXX  XXXX  and received additional loans for tuition, and somehow this took me out of the PSLF program even though I was told it should not affect it and I was told when it showed up wrong that it would be fixed by multiple agents I spoke to. It was never fixed and this was in XXXX. I was even told that based on my income at the time, my payments should be $ XXXX/month so even though they hadn't documented those months they could go back and add them. 

I tried several times to speak with their customer service and was told that a recount could be performed. However, this has not be rectified. I am going to be continuing to work in public service after residency graduation in XXXX, and I have XXXX little children and tremendous student debt. 

I am doing everything I need to do to qualify for this program - please can you help me recount the missing months from my PSLF record.
Product: Credit reporting or other personal consumer reports

THE FEW ACCOUNTS I HAVE WITH THIS COMPANY ARE OVER XXXX OLD. THE COMPANY UPDATED INFORMATION WHICH IS INCORRECT AND IS SHOWING NEGATIVE MONTHLY ON MY CREDIT REPORT. THE ACCOUNTS ARE OLD AND NEED TO BE REMIOVED.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX. 

The consumer reporting agency that is reporting this account has violated my rights. I looked at my Experian credit report after I received an alert regarding an account that was being reported, by XXXX. 

Upon further review, I noticed some of the information on this account is incomplete and inaccurate. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, 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 shall : ( i ) 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. 

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Product: Debt collection

This {$620.00} debt was placed on my credit report XX/XX/XXXX. I have been fighting this debt since XXXX. The companies involved are Phoenix Financial Services and XXXX XXXX XXXX XXXX XXXX they have placed this negative remark on my credit report and I had health insurance through the state of Georgia and there should not be a unpaid medical bill on my behalf. There are two separate negative remarks totaling to {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt has been disputed and removed from my account before due to fraud. The debt is being sold and passed around between collection agencies and re-reported to my report. 

XXXX credit currently has the account, and I have responded to their notice of reporting with a dispute letter but haven't heard anything from them.

It is now reporting on my report and I am getting no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the referenced account was fraudulently opened in my name without my knowledge or authorization. This account appears on my credit report and is negatively affecting my credit. I believe this is a case of identity theft. 

Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I request that you immediately close this account and cease all collection activities related to it. Additionally, I request that you remove any negative information related to this account from my credit report. 

This company - that I have zero knowledge or affiliation with was fraudulently operating with my information. I did not authorize any of this. I do not own a company or operate a company. I have never in my life walked into a XXXXXXXX XXXX nor called nor applied anywhere for a card with XXXX. This is ridiculous. I do not even have personal accounts with XXXX. My credit and EVERY single one of MY accounts are in great standing and have always been. I have beautiful financial history and I have always protected my credit score. I do not know how this even happens and how I am responsible for paying a card I have never had or spent any money on. I do not have a physical card nor could I even tell you the card number. I do not know any of these " employees '' that XXXX is saying I sent payments to. None of the payments made on this credit card where with accounts I own. This account is not my debt and this is incredibly unfair. I have never contacted XXXX to open an account ever in my life. This needs to be thoroughly investigated.