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

Received text from XXXX stating that my bank account was inoperative and to contact them immediately at an XXXX number. When called sounds legitimate asked for personal info XXXX #, pin for debit, and debit card number and expiration date and security code for that debit. XXXX was given however when I contacted my bank it was not from them and nothing they were aware of. Ultimately had to call social security XXXX and all XXXX credit companies to protect myself as well as lock and cancel that card.
Product: Credit card

On XX/XX/XXXX a fraudulent charge was made on my Citibank credit card account by XXXXXXXX XXXX XXXX in the amount of {$4700.00}. 

Prior to the charge, I had never heard of XXXXXXXX XXXX XXXX and have not received any services made by them or had any communication with them at any time. I certainly did not make the purchase or authorize it. 

I reported the incident to Citibank in early XX/XX/XXXX ( they responded to me on XX/XX/XXXX. ) The money was refunded to my account. 

According to Citibank, the vendor told Citibank the charge was valid, using only an email address ( not mine ) as evidence that the charge was valid. Citibank did attempt to phone me in XXXX and I missed their phone call. They did not use any other means to contact me ( email, post, etc. ) The {$4700.00} was again charged to my Citibank credit card account, and automatically deducted from my non-Citibank debit account. 

I phoned in XXXX and XXXX in an attempt to recover the money. On both occasions, I was told that the vendor ( XXXXXXXX XXXX XXXX  ) had provided insufficient evidence and the claim would be reopened. On XX/XX/XXXX, a representative advised that the claim should not take more than 90 days to resolve. 

I phoned again on XX/XX/XXXX. I was advised that the claim was so old that the computer needed to reload the information and to phone again in at least three business days. 

I phoned on XX/XX/XXXX. The representative was apologetic and stated they would expedite this, but could not tell me how long it might take or when I should follow up. Citibank has not provided me with any written communication since XX/XX/XXXX, despite these numerous follow-up phone calls, all unresolved. 

It has now been nearly one year since the initial charge. The amount is quite a lot of money to me, since I am a teacher, and a new parent. I would appreciate any assistance with the matter. 

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

ACCOUNT : XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX account number : XXXX and XXXX XXXX account number : XXXX 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these immediately : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX 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 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
Product: Mortgage

Our PMI dropped off of our mortgage payment changing the amount owed for XXXX 2015. I was waiting for our payment coupon book to be sent to make the payment. This is how I have always paid our mortgage for the two plus years we have been with Provident Funding. When I did n't receive the coupon book I call Provident Funding on XX/XX/XXXX, to ask what was happening. The customer service rep. informed me that the new book was ordered XXXX XXXX and I should receive it in the mail by the end of the week. That was all he told me. I finally received the coupon book XX/XX/XXXX ( Sat. ). I mailed the payment in on XX/XX/XXXX ( Tues ), due to the XXXX XXXX on Monday. I knew the grace period was up on Friday XX/XX/XXXX, but I hoped the check would make it in time and since they had sent the coupon book late I felt reassured that they would n't charge me a late fee, since the delay was caused by Provident Funding not issuing my new payment book in time. Provident Funding did not receive the check by XX/XX/XXXX ( they cashed it on XX/XX/XXXX ) and have since charged me a late fee. I called several times to explain that it was n't my fault it was late, but they refuse to wave the late fee and say I should have paid online. I explained that I was never advised to do that. I always pay with the monthly coupon book. I was treated poorly by all the costumer service reps. One supervisor even suggested I was lying about calling on XXXX, even though I called from my cell phone at XXXX XXXX ( EST ) and have a record of that and provided them with that information. They say they ca n't locate that call. They told me they could n't wave the fee, then admitted they could. When I asked under what circumstances would they wave the fee, they replied " When Provident Funding is found to be at fault. '' I pointed out that they were at fault when they ordered me my payment book the day after my payment was due. They were forcing me to pay late. I got no where with them and am complaining because of the terrible way I was treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXXXXXX XXXX. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.
Product: Credit card or prepaid card

XX/XX/2018 I ordered a Trial of XXXX XXXX  for {$4.00} which I paid with my Discover card. I told the person taking the call TO SEND ONLY the Trial and that NOTHING else was being ordered. They charged my card {$4.00} which was the price for a trial bottle ; which I paid. I received a bottle around XX/XX/XXXX and it was apparently from XXXX XXXX XXXX ; although it was a bottle of XXXX XXXX. 

XX/XX/2018, Now XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. 

XX/XX/2018, XXXX XXXX XXXX billed my credit card for {$79.00} and I have no idea what this charge was for. 

Around XX/XX/XXXX I realized this was a scammer outfit and I packaged up the two bottles I received of XXXX XXXX and sent them to the shipping address on the box ( had no other address ). I have proof that they received the two bottles.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, Proof of Address and SSN card.
Product: Checking or savings account

On XX/XX/2024 I attempted several times to deposit checks via the mobile system for Navy Federal Credit Union and for many multiple reasons the checks was declined. First for not being properly endorsed stating mobile deposit only for NFCU. I did so and deposited the checks once again on XX/XX/2024, the deposits were again denied and this time for unacceptable item When I became aware of the last denial, I reached out to the Navy Federal Credit Union was told to deposit the checks through the ATM, which I did. After the hold time and the deposits still had not posted, I called the NFCU after the wait period and still nothing posted to my accontacted the Navy Federal Credit I was told that the issuing bank would not clear the funds, the next day I made contact and was told the checks had not cleared due to fraud. I contacted my lawyers office to verify if the checks had been cashed and they had been and copies of those cashed checks were forwarded to me via text. I reached out to the Navy Federal Credit Union and was told that the federal reserve were not releasing the fund due to the federal reserve. No, one would assist me, but instead transferred me to security where I remained on hold for over two hours. The checks were for the amounts of : {$2800.00} and XXXX. Deposited on XX/XX/XXXX. The checks posted on XX/XX/2024. The numbers on the check for {$2800.00} from what I can make out are : XXXX and XXXX or XXXX. Check for XXXX XXXX and XXXX XXXX or XXXX. There is also a number in the right hand corner of this check, XXXX. Check for the amount of {$2800.00} number on top right corner, XXXX appears to be a XXXX. After waiting for over two hours on hold the representative could tell me no more than anyone else, she too passed the buck and informed me that the investigator was not available and she didnt know when she would be, but that I would just need to continue to call back. I have made approximately six to seven calls on this matter with still no resolution.
Product: Credit reporting or other personal consumer reports

Im filing this complaint because Experian refuses to delete fraudulent accounts from my credit report despite my repeated disputes. Ive had enough of this endless back-and-forth. The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NOT belong to me. Ive told Experian this over and over again, yet they continue to report these accounts as if I am responsible for them. What makes this even worse? XXXX doesnt even have these accounts on my report. So why is Experian still making this my problem? Their failure to remove these accounts is not just an inconvenienceits a clear violation of the Fair Credit Reporting Act ( FCRA ). They are violating 15 USC 1681b by reporting information without my permission and failing their duty under 15 USC 1681e ( b ) to ensure my credit report is accurate. At this point, its no longer a mistakeits willful misconduct under 15 USC 1681n and gross negligence under 15 USC 1681o. Because of Experians reckless inaction, Ive suffered real financial damageIve been denied loans, hit with higher interest rates, and rejected for credit opportunities because Experian refuses to do its job. Im done waiting. I demand immediate actiondelete these accounts, correct my credit report, and provide written proof of their deletion. I dont want any more empty weve investigated responses, incomplete investigations, or pointless delays. Experians refusal to act is causing ongoing harm, and Im asking the CFPB to intervene immediately to put an end to this. Experian must be held accountable.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that your agency has furnished and/or obtained my personal information without my explicit written consent, as required by law. Under the Fair Credit Reporting Act, Section 1681b, it is mandated that consumer reporting agencies must obtain written consent from consumers before disclosing their private information to third parties. 
I would like to formally state that I have never provided written authorization for your agency to furnish or obtain my private information. Therefore, any disclosure of my information without proper consent is a violation of my rights under the Fair Credit Reporting Act. 
I hereby request that you promptly remove the following closed accounts from my consumer report : 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
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. 

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 an account without my written instructions.
Product: Checking or savings account

XX/XX/2023 there was a transaction which my debit card and saving was compromised by a scammer in which XXXX XXXX was used which they compromised also. The scammer managed to transfer fake fund through my XXXX XXXX which had my navy federal attach to and some how they manage to take XXXX in which I didn't have in my account at the time. Also at the time of me finding out what was going on with my account I called navy federal to help fix my account and stop the fraud from happening I called and gave information which I thought was true in what I did to prevent the scammers ended up my account being closed and everything place on me to fix in which I didn't commit these fruadently activities I called to notify to have my account fixed and safe from it ever happening again.
Product: Checking or savings account

On XX/XX/2021 at XXXX XXXX, I deposited a check at a Chase bank at XXXX XXXX, XXXX, NY. The sequence # XXXX and the Term ID : XXXX. AID # is XXXX. The amount that was supposed to be deposited was {$290.00} and the bank had an error which resulted in taking the check but not showing the amount.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Debt collection

I have contacted XXXX XXXX on numerous occasions for the debt they are claiming to be verified. Unfortunately I was not provided with no validation documents. I submitted certified letters each time I requested the debt validation to XXXX XXXX. I did receive a credit card statement but no actual copy of a document verifying the debt and it was longer than the 30 days time period. I have been sending debt validation letters since XX/XX/2017. They did contact me by phone in XX/XX/2017 threatening to take me to court and I requested for them to mail me all valid correspondence in the mail but they did not provide me with anything. This account is being reported negatively on my credit report but they are not upholding their duty by providing me with any documentation.
Product: Debt collection

I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but PayPal told us we lost the dispute. PayPal sent my business 's debt to collection and both the debt collector and PayPal informed me that the debt was to me personally, not my business. Both told me that although I have a business PayPal account, somehow PayPal circumvents this. Neither were able to tell me legally how this is possible or where in the PayPal user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
Product: Credit card

Capital One Credit Card closed my secured credit card. I was paying on time and was never late. This has caused a hardship because I was paying on time and trying to re-build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to Peb Fed company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from Pen fed bank I am requesting to remove this lateness from all 3 bureaus as soon as Pen Fed promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance continues to report a loan to the credit reporting agencies with the wrong late payment dates. This account is too old to be report but nissan incorrectly reports repo and late payment dates to ensure the account is not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I put in a requests for an extension to see how much it would be for a 30 day and a 60 day extension after viewing the amounts so I knew what to set aside the company canceled my requests. Then on XX/XX/XXXX I submitted another request for a 30 day extension this was provided but was over {$900.00} and is {$600.00} away from what is due in total on the account currently. I made a {$130.00} payment today and have two payment schedules to come out within 30 days. The company XXXX doesnt seem willing to work with me.
Product: Student loan

regarding complaints ID XXXX & XXXX I have submitted today and I want to submit additional documents. According to the company response that I never agree with because the information are not true. Please find attached documents for your review. 

name on loan is XXXX XXXX I am XXXX XXXX is person who applied, be responsible for the loans and dealing with loan service for errors they made and forced the borrower to accept the loan term even borrower never agree with.
Product: Credit reporting or other personal consumer reports

Dear Experian XXXX XXXX XXXX, I am writing to dispute inaccuracies on my credit report as provided by Experian XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. Upon reviewing my credit report, I have identified several errors that require immediate attention and correction. I Have Attached a credit report identifying the inaccurate errors on my credit report Under the FCRA 15 USC 1681, I understand that Experian XXXX XXXX XXXX is obligated to investigate my dispute within 30 days of receipt and to notify me of the results of the investigation. I kindly request that you notify me in writing of the actions taken to correct the inaccuracies on my credit report. 

Furthermore, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. 

Please ensure that all future reports accurately reflect my credit history to prevent any further discrepancies or misunderstandings. Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these inaccuracies. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation once the necessary updates have been made to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in XXXX days. It has now been XXXX days and no response
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN, XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Roadrunner Financials Refusal to Comply with SCRA To Whom It May Concern, I am filing this formal complaint to bring attention to Roadrunner Financials refusal to comply with the Servicemembers Civil Relief Act ( SCRA ) regarding a motorcycle loan I entered while XXXX in the United States XXXX 
I entered XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, while on XXXX XXXX, I financed a motorcycle through Roadrunner Financial. On XX/XX/XXXX, I received Release from XXXX XXXX ( REFRAD ) orders, and on XX/XX/XXXX, I received new assignment orders to return to XXXX XXXX. Under the SCRA, servicemembers are entitled to protections for financial obligations incurred prior to the commencement of a new period of XXXX XXXX. 
I provided Roadrunner Financial with all required documentation, including my active-duty orders and assignment orders. Despite this, Roadrunner Financial has refused to apply SCRA benefits, claiming I am ineligible, even though my new XXXX  status should qualify the loan for protections such as the 6 % interest rate cap. 
This refusal represents a potential violation of the SCRA, which is intended to protect servicemembers from undue financial burdens while serving our country. Roadrunner Financials actions have caused me significant stress and financial hardship.

I respectfully request that your agency investigate Roadrunner Financials handling of this matter to ensure compliance with federal law. I believe their refusal to honor SCRA protections may affect other servicemembers as well. 

Documentation Attached : XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ). 
XXXX. XXXX orders ( XX/XX/XXXX ). 
XXXX. New assignment orders ( XX/XX/XXXX ). 

Thank you for your time and assistance. Please do not hesitate to contact me if you require additional information or documentation. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX