23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX-XX/XX/XXXX I was forced into a forbearance, I made less then {$10000.00} in the year for both years. I was told this will just freeze my account solid till I was able to get back on my feet financially. In XX/XX/XXXX I had to reapply, where I learn that I accumulated over {$10000.00} on the loan as an increase of not making payments. My statements would come in a zero. And no one, no one ever explained that this will accumulate interest. 
I was told that it was an account freezer, that my account would stay solid at that price till I was able to get back financially. In XX/XX/XXXX-XX/XX/XXXX I sent in my taxes to prove that I am below poverty still making {$10000.00} in a year. I was told I would have to do IDR, and as I get my emails to know my payment amount, I could never sign in to navient. I had been locked out of my account on how many attempts to add my social and my birthday with the website stating I never had an account. Finally I call to talk to a representative, all for him to tell me my account had expired in XX/XX/XXXX. How can a federal government payment program expired your account, but still demanding you to make repayments. Navient lied to me over the last 5 years, as I tried to show valid income information to receive lower payments, they made me go into deferment and forbearance instead of offering actual payment options. Because of this my loan increase went from {$10000.00} loan to a now {$40000.00} due to interest, when I provided my low poverty income wages for years.
Product: Checking or savings account

Im a member with Chime bank and have been a victim of fraudulent activity. On Friday XX/XX/2022 there were 2 ATM withdrawals from my account for {$400.00} and {$120.00}, I called the bank immediately and told me they werent able to do anything at the moment due to the transactions still pending which made no sense because the funds were stolen from my account! I asked how could this happen and one representative even said scammers are duplicating cards ( an issue they seem to be aware of ) I asked what have they been doing to prevent these situations and no one was able to give me a clear understanding of how they process this all I was told was to open my dispute for them to investigate after the transactions have settled. Comes Sunday XX/XX/2022 and I open a dispute as soon as the transactions settled, a few hours later I receive an email saying my case was closed because they saw no error and came to the conclusion that the transactions were authorized, so I give them a call to state I did not agree and that something needed to be done because I was at work when these transactions were made, I did not authorize them, and I had possession of my card the whole time so how was this possible? I told them I had proof of being at work in the clock while this happened and I even sent an email of my time card. According to the representative this case is being re-investigated but honestly I dont trust or believe that. The whole company should be under investigation there is no reason why my money was easily stolen from an account I believed would be safe and secure. This is really devastating and very frustrating I hope no one else goes through this and if you bank with Chime its best you just close your account. Clearly they arent a competent bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Torrid card went to collection. I paid in full. Torrid continues to report as charge off.
Product: Credit card or prepaid card

I opens a secured credit card account with First Progress bank, back in XX/XX/2023. I closed my account in XX/XX/2023 due to the several issues I was having with their customer service. However I paid or put a refundable {$1100.00} into the account as a deposit which is completely refundable and havent received my refund check at all. Ive made several attempts to reach out to them, because I am in need of my hard working money, and their customer service team are no help. I need my money returned to me asap.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have written 3 dispute letters XX/XX/21, XXXX to National Credit Adjusters XXXX stating that this is not my debt and asking that they validate it and if they are not able to validate it to remove it from all 3 credit reports. I have not not received any response from any of those letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSED TO CORRECT MY CREDIT REPORT AFTER I PRESENTED THEM WITH AN ID THEFT REPORT, POLICE REPORT AND ID THEFT AFFIDAVIT. THE DISPUTE HAS BEEN GOING ON OVER 30 DAYS, SINCE THE DAY I FAXED THEM THE INFORMATION. THEY STARTED THE DISPUTE ON XX/XX/XXXX, EVEN THOUGH I SUBMITTED MY DISPUTE IN MID XX/XX/XXXX. THRY HAVE RECEIVED THE PROPER DOCUMENTATION AND STILL REFUSE TO CORRECT THE PROBLEM. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME : XXXX XXXX XXXX   XXXX AMT. XXXX, XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX, XXXX AMT. XXXX OPENED : XX/XX/XXXX XXXX XXXX AMT. XXXX OPENED : XXXX XXXX I ALSO HAVE FRAUDULENT INQUIRIES WHICH THE HAVE REFUSED TO MOVE.
Product: Credit card

My Bank of America credit card Account was charged off in XXXX of 2014 after being 60 days late. I recieved a bill from the bank in XX/XX/XXXX stating I was past due but had no warning of the charge off taking place XX/XX/XXXX. My concern is that this charge off took place after only 60 days of delinquency. I attempted to contact Bank. Of America and ask why I was charged off after 2 months and was told. That 's what we do with partially secured accounts. Aside from this charge off status, my payment history and late payments do not match up with XXXX, XXXX, and XXXX. This inaccurate reporting led me to dispute with The XXXX CRAs last XX/XX/XXXX as of XX/XX/XXXX all came back as accurate and verified from Bank of America.
Product: Credit reporting

I attempted to investigate with Experian online. Since I had become aware of  Section 609 15 USC 1681g of th e Fair Credit Reporting Act and additionally th e MLA of 1973 and UCC section 3-308a, I  requested investigation into some physically unverified derogatory accounts being reported by experian. I was shocked to see their response that they refused to investigate these accounts since a different aspect of the account had been investigated in the past. More shockingly, they cited the same consumer protection act that allows a consumer not to be victimized by a credit reporting agency as being permissive of their actions. Please help with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my dispute with TransUnion verifying this account was accurate and complete after the reinvestigation, I found several inconsistency reporting on this account : XXXX XXXX XXXX Acct. XXXX It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has XXXX  days late but XXXX show paid. Fix or remove it. TransUnion has XXXX XXXX XXXX days late, XXXX has paid. Fix it or delete it. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX show incomplete data fix it or delete it. TransUnion date last active XX/XX/XXXX. This account was re- age and needs to be deleted for violations because the other XXXX consumer reporting agencies report date last as, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All XXXX  can't be accurate. 

TransUnion had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I opened an account with Bank of America online and I read the detail that said a deposit of {$250.00} need to be made per cycle in order to waive the {$12.00} fee. This was in XXXX of XXXX. I did n't realize it but I was given a 90 grace period on the fee. When the grace period came up, in XXXX XXXX, I received the {$12.00} fee and I went back and reread the details of the fee schedule. I saw that it said a direct deposit of at least {$250.00}. I set up two monthly direct deposits of {$200.00} in XXXX but I continued to receive the fee. As this is a petty spending account I did n't realize that I was still accruing these fees until XXXX XXXX. I reached out to Bank of America today XXXX/XXXX/XXXX and they refunded {$24.00}, or two months worth of the fees but they refused to refund the rest of the fees that had been charged. The issue turned out being that the direct deposit itself needed to be {$250.00} not a total of {$250.00} a billing cycle. Regardless of whether or not I get my money back I feel that this statement should be qualified so that other people are not mislead as I was.Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

I recently found out that Im a victim of identity theft, and reviewed a copy of my credit report. I found an account and numerous inquiries on my credit report that were not open by me.

The credit bureaus is neglecting my consumer rights and the ECOA. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. Under 15 U.S. Code 1681c2, the credit bureaus is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. 

Please remove the fraudulent accounts and inquiries from my credit report 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, i was told that my account was closed. The reason is that i do n't have utility bill to prove my address is active. Chase closed my account. Until now, nearly a month, i did n't receive the reset of my money. It is very terrible experience. i do n't know when can i get my money back. It is a big amount of money for me.
Product: Credit reporting or other personal consumer reports

In XXXX, I purchased a vehicle from XXXX XXXX. It was financed by /Credit Acceptance Corporation . I Surrendered that vehicle in XX/XX/XXXX. It was always in the shop. Credit Acceptance and I reached a Settlement Agreement XXXX XXXX. According to our agreement payments will be processed the day received. However, Credit Acceptance Corporation have been reporting my payments late to the Credit Bureau. 
This is having a negative effect on my credit report. Credit Acceptance Corporation does not have a judgement against me it is an agreement which I have paid on time. 

According to the State Laws on time payments must be reoprted on time and it is also stated in our agreement. The agreement was to pay {$2300.00}. In XXXX I paid {$1200.00} and began paying the balance in XX/XX/XXXX and from then to XX/XX/XXXX payments have been paid on time. Please see the attached douments.
Product: Debt collection

I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. 
I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.
Product: Credit reporting or other personal consumer reports

Re : Fraudulent Account - Account Number XXXX To Whom It May Concern : I am writing to formally request that Upstart Network , Inc. cease reporting the above-referenced account on my credit reports. This account was fraudulently opened using my stolen personal information. 

I have already resolved this matter with XXXX XXXX XXXX XXXX XXXX, the collection agency to which this debt was sold. I am also including a copy of my FTC Identity Theft Report as further evidence of this fraud. 

Please remove all traces of this fraudulent account from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit card

I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Mortgage

On XX/XX/XXXX, I received an email from the company noting that I needed flood insurance. I contacted my insurance company, and proof of my insurance, as well as proof that I am not located in a flood-prone area, was sent to LoanCare mortgage company on XX/XX/2024. The insurers provided documents from XXXX showing that my area had less than a XXXX XXXX chance of flooding as such I was not mandated to have additional flood insurance. 
Still, on XX/XX/XXXX, I was sent a letter informing me that XXXX purchased {$250000.00} flood insurance. My mortgage with this company is XXXX. This will increasing my mortgage payment by more than XXXX a month which, I can not afford. I have contacted the mortgage company again with no resolution. 
My insurance company again sent Loancare proof that the property is not located in a flood prone area, still Loancare insists on my having to purchase this exorbitant amount of insurance that I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : #, XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Account name : #, XXXX XXXX  {$1500.00} Account name : #, XXXX XXXXXXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX XXXX XXXX, {$6200.00} 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 : 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 card or prepaid card

I have a credit card with American Express. And I have made 500 to {$1000.00} dollars payments in one lump sum more than one time. and they will not report that to the credit reporting Bureau. And I think that's wrong. And I would like for them to report those payments for those months that I made to the credit reporting Bureau. They only report my payments as XXXX dollars and I have made way over that from the day. I've had this card. And that's unfair Credit Reporting practices I think.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the unknown inquires and the company and the credit bureaus are refusing to remove them
Product: Bank account or service

I received a letter from Bank of America stating that they received a request from an authorized user to validate the debt associated with an account. As I do not have an account with Bank of America, I called the phone number provided on the letter. I was then informed that an account was opened in my name XX/XX/XXXX and then closed XX/XX/XXXX, the same year I was divorced. 
XX/XX/XXXX, my ex-husband added himself, both his current name and his alias, as authorized users to an account in my name which was closed XX/XX/XXXX. Furthermore, the Bank of America letter stated that a credit card had been issued in his name, and that I was responsible for all charges made by the authorized users on the account.The bank could not explain how someone could add himself as an authorized user on an account that was closed. In addition, they explained that the only way he could have done this is to have someone impersonate me, use my social security number, and answer my security question ( s ), which he had to have created in the first place. The representative with whom I spoke shared with me the phone numbers listed on the account, none of which are, or ever have been, mine. 
XX/XX/XXXX, my ex-husband called the bank again to inquire about the balance of the account. 
Another alarming factor of the situation is that the correspondence I received from the bank listed my name and my current address, which been my address only since XX/XX/XXXX. Therefore, my ex-husband was able to provide the bank with an address which was not his, to gain information about an account in my name.
Product: Credit reporting

I pulled my credit report from XXXX, Equifax and XXXX XXXX and an unauthorized entry from XXXX XXXX XXXX. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. XXXX XXXX XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX Equifax and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO XXXX FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!