23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received the new credit card FNBO on XX/XX/XXXX. I made two purchases with it on XX/XX/XXXX for my new home. After the second purchase, I was called to verify the purchase due to a concern about fraud. On XX/XX/XXXX I made another purchase with no issue. Later on XX/XX/XXXX, I attempted an {$85.00} veterinarian charge, which was declined. 

After the decline, I called and was given no information other than my account was frozen because fraud was suspected. I was told I would receive a letter describing various documents that would have to be notarized and sent in for the privilege of keeping my account open. I would not have found out about any of this and would have had additional rejected charges if I had not called in. The call center employees were generally very rude, demanding I verify my identify three different times, asking for every detail about every charge I made, while telling me they could divulge nothing to me since I was a suspected criminal. 

I offered to pay off my card right there to prove fraud was not involved. This was rejected. The implication was that they preferred to close my account instead.
Product: Debt collection

I got a loan from Big Picture Loans for {$700.00} XX/XX/XXXX. I paid the complete principal back to them plus about an additional {$300.00} in interest by early XX/XX/XXXX. This company is a complete scam. I sent them a letter to stop taking money out of my account and also stopped payment at my bank on any ACH withdrawals. 

I could not keep up with the {$190.00} payment taken out twice per month which they would have continued until XX/XX/XXXX if I had not done something. 

They keep calling me almost daily. I am afraid they will sue me. I have no further funds available to pay them.
Product: Debt collection

MBB has not sent me any proof or validation for the debt they are claiming I owe. Several items on my credit reports are duplicates. I have not received anything in mail from them, ever!
Product: Checking or savings account

I have been the target of 11 unauthorized and fraudulent transactions that completely drained my checking account. These transactions were placed over a 10 day period through random amounts that left my checking account with negative money, stealing a total of XXXX. The perpetrator used my banking/debit card information to open up a XXXX account to process these fraudulent transactions. Bank of America did not flag these highly suspicious and out-of-character activity for my checking account and stated they could not find proof of fraud and closed my dispute. After probing further with Bank of America, a Customer Service representative on the phone advised me to contact XXXX. He stated they should be able to search their database to find the account ( s ) using my banking information. Upon contacting XXXX, they advised me they can not do this in order to protect their customers. I have been in a loop of customer service emails asking for the same information repeatedly, which I gladly provide. Both companies have refused to handle this clear case of fraudulent activity. The claim number through Bank of America is # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts that were opened in my name without my authorization. I am a victim of identity theft and request that these accounts be removed immediately from my credit file. 

XXXX XXXX has reported several accounts in my name, including an auto loan that has been marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them. 

I have been affected by multiple data breaches in recent years, which may have contributed to the fraudulent activity on my credit report. I have already taken steps to address this issue, including filing a police report, disputing these accounts with the credit bureaus, and requesting the original application details from the financial institutions involved. 

I never applied for, received, or authorized these accounts. Additionally, I request that you provide me with all supporting documentation related to the application, including : 1.A copy of the original application 2.The email address and phone number used on the application 3.The mailing address used at the time of the application 4.Any recorded phone calls related to the application process 5.IP address or location where the application was submitted At the time of this application, I was living in California at XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX, XXXX XXXX XXXX I XXXX not the applicant.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that : 1.These accounts be permanently removed from my credit report.

2.Your office cease all collection activities related to these fraudulent accounts.

3.You provide me with the requested documentation within 30 days. 

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification.
Product: Debt collection

This collection account is listed on my credit report and I never recieved any notice by mail. This has caused the due processed to be skipped and I have not been alloted the proper time to dispute and request the validity of this debt. Futhermore, I am deeply disturbed that a collection agency has and is listing my medical history publicly and possibly violaliting my hipaa privacy protection.
Product: Credit reporting

I have XXXX tax liens on my credit report that do not belong their. I owned a business with employees from XXXX called XXXX in XXXX WI. Upon the end of XX/XX/XXXX I was bought out by the new and current owner XXXX XXXX. XXXX assumed the same name and the business is still called XXXX to this day and is located at the same address. I sent everything in to close any ownership I had with this business. These XXXX liens were put against me in XX/XX/XXXX for back payment of estimated taxes. I was never made aware of this because:1. I never should have gotten them as I was not part of that business anymore2. The notices went to the business address which I was not apart of anymoreOnce I saw these on my record I took immediate action to show proof that the liens were incorrect against me. This was cleared up because it never should have existed. If it should not have existed it should also not exist on my credit report. I am seeing this on my Transunion report under docket number XXXX and XXXX.
Product: Prepaid card

My mother purchased a {$100.00} visa gift card on XXXX for my birthday, but it was completely drained the moment it was activated. I have been working with the dispute process, but after receiving a replacement card for the disputed funds to be returned too, I have received no further response. When I called I was told I would get a replacement card and that would be all, but after I received an email needing further information, I gave the necessary information but have been ignored since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by The XXXX XXXX XXXX rep on XX/XX/10 and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX THIS ACCOUNT DOES NOT BELONG TO ME. I WOULD LIKE FOR THIS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Student loan

I requested a refund from Aidvantage for the payments I made during XXXX  on XX/XX/2022 and they told me it was would take XXXX weeks. I called back a couple Weeks later and they told me it was approved by XXXX and processed on XX/XX/2022 and XXXX get my refund any day now. I called back a week later and they told me it would be an additional XXXX weeks, then when I emailed them today for an update they told me the request was just put in today.
Product: Debt collection

2016 I had an invasion of theft and which I have the police report subsequent add to that there were random establish fraudulent accounts with various utilities or credit card companies and evolving accounts following iver XXXX yr period. This XXXX XXXX being XXXX of them initially I was not sure about the debt and because I was trying to land a place and a long awaited housing project for XXXX XXXX it reported to this bureau in which I then investigated to see I then paid up the account only to find out that it was one of the accounts that was compromised in my name I explained this to several in the department there at XXXX XXXX, XXXX representative twice supervisor Hope ( Fraud Dept ) there at XXXX XXXX. 

I stated how this was defaming me as a person not to mention wrongfully tarnishing my credit report as with faxing them a copy of the police report and FTC report all of which have been ignored which is a violation of the protection laws. 

XXXX and XXXX XXXX department stated that they had to submit a dispute and then the dispute would be left in the hands of XXXX XXXX as to it being removed from the records and off the credit bureau status there at XXXX. 

In speaking to hope once again in the front department at XXXX XXXX she regrettably stated that she could not remove this from tarnishing my credit profile neither was she going to return the {$150.00} I paid on this account that was done in error so I have to face the consequences of paying for someone elses debt That was fraudulently established in my name and this company not removing this paid charge off from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX
Product: Consumer Loan

Misleading and deceptive use of XXXX services to induce customers to buy or lease Lexus automobiles by Lexus Financial Services by promising XXXX months forgiveness of lease payments if a new vehicle is lease or purchased. While they encourage buyer to continue to make payments and providing written assurances that the coupon mailed is valid until XX/XX/2017. Not so and thus consumers are being double charged for XXXX or more monthly payments.
Product: Bank account or service

problems have never been handled right tired of being treated as anything other than the victim. i opened a business account in XXXX told no fees waiver for 6 months of course the fee was billled every month which meant i was lied toor that red tape won over. all you get from this bank is a reminder of the greedy rules with no accountability of what i endured in terms of my time and other getting feed. when i was not supposed to. now i have an overfradt since i transferred money out to avoid it getting taken when bank keeps applying fee even tho there is supposed to be a waiver. 
its truly uinbeleivable. 
you can cut the greed with a knife.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into My account transactions.
Product: Money transfer, virtual currency, or money service

Around the XXXX or XXXX of XXXX i had to factory reset my phone due to numerous problems. I was not able to use the phone long enough to change my 2FA ( 2 Factor Authorization ) settings on my virtual currency exchanges. I do n't have the security keys to install new tokens, once the phone was restored. I had do reset my connection with more then one exchange, and all but coinbase have been a fairly straight forward experience. This usually involved additional verification of id, some wait time, done. I have contacted coinbase via their SUBMIT A TICKET OPTION several times. The first time was on XX/XX/XXXX. The last time was yesterday XX/XX/XXXX. I have followed all their instructions, i submitted additional id info, which was accepted. The usual response is in a form a standard form answer. At this point i ca n't follow their instructions any longer because it requires me to have a new phone number. None of the steps recommended by coinbase have worked. I also went thru the steps to reset XXXX, as per coinbase recommendation, which is a 24 hour reset process. All my other security tokens are available on XXXX except for coinbase. I have contacted XXXX support, and was informed that coinbase manages their own tokens, and mine has been disabled/revoked. I have not received an answer from coinbase on this issue. There does n't seem to be any other way to contact support except for the SUBMIT A TICKET option. And the response time for any ticket seems to be about 3 to 4 days. Most of the answers received come from a no reply email. So the only way to ask questions or respond is to SUBMIT A TICKET. At the time this started i believe the value of my account was around {$12000.00} to {$13000.00}, i ca n't be sure since i ca n't check my balance.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed several accounts that do not belong to me. I am seeking your assistance in promptly removing these inaccurate entries from my credit history. The questionable accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FACTUAL DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.
Product: Debt collection

This debt is reporting twice on my credit report. Please see attachments. I paid the current owner of the debt, XXXX, however IC System is reporting it as well. It's my understanding that two collection agencies can not report the same debt.
Product: Payday loan, title loan, personal loan, or advance loan

i have personal loan and now hardships and try to find a way to defer
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data XXXX and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against LexisNexis, a consumer reporting agency, for their inaccurate reporting of my criminal background record and their refusal to accept verification documents to process my complaint. 

I have previously submitted complaints to LexisNexis regarding errors in my criminal background record, but despite providing all requested verification documents, they refused to accept them and correct the errors. 
Current Issue The current issue involves LexisNexis reporting case number XXXX three separate times in my criminal background record, making my record appear larger than it actually is. This inaccurate reporting has had significant consequences, including : Impact on economic stability Job losses Negative impact on credit Previous Complaints I have previously submitted complaints to LexisNexis and the CFPB regarding errors in my criminal background record. Despite these efforts, the errors remain uncorrected. 
Thank you for your attention to this matter.
Product: Checking or savings account

A check was deposited into my account that I was not aware of I previously warned my bank about a phone call I received about a week prior to the check being deposited. My bank at the time when I called them only change my account number but they still allowed items to come in and out of my account. Now I am being punished for this. The security department will not speak with me. They are making me pay for the check without even doing any type of investigation. If I didn't continue to call them about the issue they would have never gave me the option to enter in a clam. I also change my online banking password.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that arent mine.
Product: Debt collection

I noticed that this agency was reporting that I paid them starting in XXXX of last year and I disputed it twice while they were saying I was paying them for 7 months then in XXXX of XXXX, they started reporting that I was not paying. I have always stated that I don't have a clue who this is and that I have not paid them anything according to my credit report it states that I opened this account in XXXX of last year. Nobody can tell me anything and it dropped my credit score by XXXX points because of their mere existence on my credit report.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. 
I am wanting to submit a complaint for XXXX XXXX/ XXXX XXXX . I've been disputing late payments with them for months, with no results. I fell back on payments XX/XX/XXXX-XX/XX/XXXX due to a family emergency which caused me to leave the country for the time being. 

I have sent explanation to XXXX in writing over 5 times! with 2 additional letters being sent in XX/XX/XXXX, and have been turned down on all. I understand it is indeed my responsibility to make payments but this emergency was unseen. I have always been current following XX/XX/XXXX, always paying more than minimum amount required and maintaining a low % usage as needed. 

This complaint comes due to me being denied the help to correct this with the 3 credit bureaus. I am aiming on becoming a home owner by XX/XX/XXXX and this is the only negative mark on my credit which is holding me back from being where I need to be. 

I'd greatly appreciate the help, and will continue to keep my account in good standing. 

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

In 2017, I and XXXX made a conference call to Lexus Nexus to have information corrected on my report. XXXX XXXX XXXX filed a claim on my insurance intentionally and knowingly that I was not the own or had knowledge of the vehicle related to a hit and run. A name was given to XXXX as a relative being me and XXXX insurance agent decide to find my insurance policy and file it with my insurance. A fraud report was report to XXXX Police Department on the agent for file the fraud report and I contacted XXXX XXXX -Manager which, stated the false information was taken off my record and confirmed remove by XXXX XXXX However, XXXX  insurance failed to remove the information from Lexus Nexus which, is causing my rates to be tripled on comparison with other insurance companies. Lexus nexus never removed it from my record
Product: Debt collection

JcPenney has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax XXXX 15 U.S. Code 6803 states, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

And I was not provided a clear and conspicuous disclosure in no form under regulations prescribed under section 6804 of this title financial institutions, policies, and practices with respect to the consumer
Product: Mortgage

I would like to know why Chase Bank sold my mother 's account. My mother died and after that I have no idea what happened to the account. My father and sister were making the payments and all of sudden everything stopped. They took my sisters money for trial repayment.