23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there is a hard pull on my credit report from Capital One. this is fraud. To date, I should only have 2 inquires from Capital one. 1 being from my auto loan that I refinanced through them and then another more recently one in XX/XX/XXXX. The XX/XX/XXXX one is correct, this is for a credit card that i applied for and then closed given that i was not aware there was an annual fee. I have had suspicious activity on my account that i have disputed and can ultimately say this is fraud/identity theft. I have not applied for anything other than my car loan and this most recent credit card with capital one.
Product: Checking or savings account

USBank sold the credit card we had through them to another bank. Then, they sent a notice that the type of checking account we had with them would start incurring monthly fees because we no longer had a credit card with them. When we called customer service we were told that they were launching a new checking account type that would waive the fees with direct deposit and we were told our account would get changed to the new account type ( " Smartly checking '' ) so no fees would be charged. 

Today I discover they have been charging a XXXX monthly fee since XXXX of this year, 5 fees, totaling XXXX Customer service partially addressed the problem and refunded the last 3 of those fees but refuse to remedy the other 2 fees ( XXXX XXXX ). Customer service says they can not fix more than 3 months and when asked, they say there is no one at the bank who can authorize more than 3 corrections. 

net result : USbank has charged us XXXX in inappropriate and unauthorized fees that they refuse to correct under the guise of a customer service policy to not refund fees charged more then 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX  the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers accepting unreliable responses. And failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

The caller said we owe on a Paypal account.

We don't have a paypal account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is XXXX XXXX XXXX XXXX When talking with Paypal, they stated they can not look up anyone 's account to see if what I'm saying is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX*Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

The Toyota Financial Services ( " TFS '' ) account existed due to a two-year lease of a XXXX XXXX XXXX. The lease ran from XX/XX/XXXX to XX/XX/XXXXand the car was returned promptly at the end of the lease term in XX/XX/XXXX. In XX/XX/XXXX I was notified via mail that I had a balance of {$880.00} owed to TFS for a Disposition Fee and Excessive Wear and Use Fee. 
At the time I spoke with a TFS representative regarding the Excessive Wear fees and contested some of those charges. Per our conversation it was agreed that a portion of those fees ( precisely {$440.00} ) would be waived, as they were not reflective of true wear and tear on the vehicle in question. As a result I paid {$430.00} on a check dated XX/XX/XXXX. Per TFSs representative instruction the note section of the check unequivocally states, " Amount Paid in Full Following Contestation. '' TFSs representative assured me this wording would indicate the excess charges had been reduced and I had no further balance. This check was cashed and I was informed the account was closed. 
I was surprised to receive a notice of an outstanding amount of {$440.00} that has been sent to collections ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have spoken with a TFS representative ( XXXX, Agent ID : XXXX ) who referred me to XXXX XXXX XXXX ( XXXX  ) for further information. I refuse to call in order to discuss any debt as my previous conversation led to this matter in the first place and I prefer to conduct all dealings in writing as proof of what has transpired. 
The only amount that I would be willing to settle on is zero dollars ( {$0.00} ). My attempts to resolve this matter in writing has led to an offer to settle for {$350.00}. This is outrageous since I was already assured that my previous payment of {$430.00} would fully settle the matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

Equifax : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

What can I do to get the help that I need I made a transaction with the checking account side of my netspend cardXX/XX/XXXXfor XXXX $ onXX/XX/XXXXit came back that the bank dishonered it I then made a XXXX $ payment from the same acct transaction posted to utility company never came out of account. I contacted card company was told the transactions were never made because they are not in the history. I argued with this company about an hour and a half or more. I was treated disrespectfully got put back into the que line until another representative picked up I asked for a supervisor was disconnected, I called back asked for a supervisor or someone who could tell me why this happened got transferred and I let the phone ring for a good 5 minutes or so before I hung up and called back then I just kept getting repeated answers of the chrgs are n't in your history we ca n't help. Was n't even offered a dispute or payment inquiry nothing.i do have pictures of the dishonered letter my transaction history and where payments posted to other account if you want them.
Product: Debt collection

When my wife and I used a XXXX walk-in clinic they sent lab tests to XXXX XXXX that was not an approved vendors by the XXXX  insurance company providers. The clinics probably got rebates or could even have had a financial interest with or in XXXX XXXX. Savit Collection Agency, in XXXX XXXX, XXXX XXXXXXXX, Tel # XXXX, bought this debt. of what they claim is {$530.00}. All I keep asking for is a detailed accounting of my accounts, how the payments I sent them were applied and to which accounts. They refuse to do so. All they keep doing when I dispute the collection with the credit agency, XXXX, is saying they " Certify '' the claim is valid. How can they certify something they can't prove? This company has impacted my credit score extremely adversely. I went from XXXX down to XXXX. That is a huge negative impact and one that is not deserved. If they were willing to provide me with the reconciliations and prove me wrong I would have paid before we got here.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

I purchased a {$100.00} prepaid XXXX on XX/XX/XXXX. Immediately after purchase I went online and registered the card and changed the PIN. Today I tried to use it and the purchase was declined. I went online to check my balance and the {$100.00} balance had been zeroed out at a XXXX store in California at XXXX hours on XX/XX/XXXX. This will be the absolute last time i will ever purchase XXXX of these US Bank prepaid cards. I had two {$100.00} prepaid cards that were fraudulently zeroed out less than one month ago. US Bank needs to get their act together and either stop selling these or figure out a way to keep the funds safe for the purchaser of the card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX XXXX
Product: Credit card

I tried fixing the error with Discover Bank and yet they somehow obtained my new address and are now violating me with requests for payment for : DISCOVER BANK - XXXX - {$2800.00} XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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, 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 reporting, credit repair services, or other personal consumer reports

In accordance with FCRA, TransUnion has violated my rights by reporting false inaccurate information on my consumer credit report. Under 15 USC Code 1681 ( a ) - Congressional finding and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. XXXX XXXX Account has been closed and is reporting inaccurate dates and an updated balance every month as of XX/XX/2022. OTHER CREDIT REPORTING AGENCIES HAVE REMOVED/DELETED THIS FALSE COLLECTION ACCOUNT. I have been injured numerous times from TransUnion negligent and willful behavior. These injures include my reputation has been ruined, loss of income, XXXX and mental anguish. Please remove this account immediately. 15 USC 1681 ( a ) ( 4 ). States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692b ( 2 ) can not state that such consumer owes any debt 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. 

I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned account. If you are unable to produce said requirements, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Student loan

I called Mohela on XX/XX/XXXX to request a refund of payments made during the payment pause. During that call, I was told the refund would take up to 30 days. 
I checked XXXX and saw that some were being processed faster so I called on XX/XX/XXXX to confirm they still had my request. They said now the wait time is 4-6 weeks. 

I called on XX/XX/XXXX, and now was told that the wait time is 90 days. When I asked what Mohela intends to do, I was told there is no plan to ensure that the money is returned to me before the applications close on XX/XX/XXXX. This impacts my ability to request debt relief as my account is paid off. I need to show a balance in order to qualify for debt forgiveness. 
Additionally, the hold times are exponential. It tells you 1 minute, and takes upwards of an hour. 

Based on this and other complaints Ive read, its apparent that Mohela intends to run out the clock on refunds preventing borrowers from obtaining student loan forgiveness. 
See cease and desist from XXXX and XXXX. It should be noted at the time of repayment, I was living in CA as my husband was XXXX  at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered XXXX fraudulent accounts. These accounts are not mine and are adversely affecting my credit standing. Please remove these fraudulent accounts from my report immediately.
Product: Credit card or prepaid card

Hello super sorry to bother you but many years ago before I left the country I had people steal my identity papers and credit cards and computers.. i filed a report with New York XXXX Police and documented everything and they just closed the case after not finding the people.. but now many years later and being out of the country I found out that there's many credit cards that I had never applied for.
Product: Credit reporting or other personal consumer reports

In reference to the following accounts : XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX alleged amount : {$3400.00} XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX, last XXXX of account # XXXX alleged amount : {$11000.00} XXXX ) XXXX XXXX last XXXX of account # XXXX incorrectly reporting late payments for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX ) First national credit card last XXXX of account # : XXXX incorrectly reporting late payment ( XXXX ) for : XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act, the above list of accounts has violated my federally protected privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602A states I have right to privacy.

15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681C ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681c ( A ) ( 5 ) : 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.
Product: Mortgage

In XX/XX/XXXX, we purchased a house in XXXX, Texas for {$230000.00}. Rocket Mortgage was the loan company. During the loan process, our Loan Officer was XXXX XXXX. At the time of the purchase, we still owned a home in XXXX, Texas. During the loan process, I expressed to XXXX XXXX many times that we were going to sell the XXXX XXXX and use the proceeds to pay down the XXXX XXXX so we wouldnt have to pay Mortgage Insurance. Mr. XXXX XXXX said thats great because with Rocket Mortgage you can not only get rid of your Mortgage Insurance but Rocket Mortgage will re-amortize your loan if you pay more than {$10000.00}. The XXXX house closed in late XXXX. 
On XX/XX/XXXX, the XXXX XXXX closed. I called Rocket Mortgage to begin the process of paying down the XXXX loan to get rid of the Mortgage Insurance and re-amortize the loan. I was told that with the type of loan I was given that is not possible to get rid of the Mortgage Insurance and that they will not re-amortize the loan. The person I was talking to said they would have someone call me. I asked to speak to my former loan officer, and I was told he no longer worked for Rocket Mortgage. Later that day I got a call from XXXX XXXX. Mr. XXXX told me that the type of loan that I was given I would not be able to have the Mortgage Insurance taken off and re-amortized. Mr. XXXX said that he would fix my problem for no cost to me since it was Rocket Mortgage mistake. I would have to wait ninety days and refinance. 
After ninety days I received call from XXXX XXXX, Mr. XXXX said that Mr. XXXX was on maternity leave. Mr. XXXX started the process of the loan, I received a statement from him saying that I would have to pay {$12000.00} in closing costs and a higher interest rate. I told him that XXXX XXXX told me that I did not have to pay any costs and that to be fair to me I shouldnt have to pay a higher interest rate because this was their mistake. XXXX XXXX then told me that he was not honoring XXXX XXXX email that I was to be given a loan at no cost. 
My intent the whole time during the loan process was to pay down the original loan to get rid of the Mortgage Insurance. The re-amortize of the loan was a bonus for me.