23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report, as I am a victim of a recent data breach. I believe fraudulent activity has taken place involving these accounts, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX CXXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$4600.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$4100.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$7800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and deleted : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Navy federal keeps charging overdraft fees to my account. I have not completed a transaction since XX/XX/year>. Each time they return a fee from my cfpb complaint I am charged more than double in fees. My checking account is linked to my navy Federal credit card. Because of the constant unfounded fees my credit card has now become past due and is at risk for charge off status. I cant make a deposit to pay my credit card or other bills because navy federal takes my deposits before any transaction can be processed. I am then charged more fees. I currently have a negative XXXX dollar balance from fees alone. Please help.
Product: Mortgage

I recently purchased a home in XX/XX/2021. My first payment was due on XX/XX/2021. I received a bill in the mail and promptly paid it. Since this was my first bill I only had a general idea on how much my bill was to be for which was approximately {$1200.00}. When I didn't receive my XXXX bill in the mail this prompted me to call the lender. Come to find out that the XXXX had delivered the wrong bill to me. It was my neighbors XXXX! My neighbor has the same lender as me so I did not note that it was her bill. I paid her mortgage for the month of XXXX by mistake.I have contacted the lender multiple times by phone, by fax and by email. To date, more than XXXX months later, they still have not corrected the error.
Product: Student loan

Hello, my federal loans were transferred from XXXX to EdFinancial in early XXXX. Prior to my loans being transferred, I paid ( 2 ) of my loans ( in full ) to XXXX ( XX/XX/XXXX ). Once the forgiveness was announced, I called EdFinancial ( late XXXX ) to request a refund of the two loans I paid ( during the forbearance period ) and they stated that it couldn't be returned because I paid those loans to XXXX and not EdFinancial. 

I have had other loans transferred to a different servicer -- and all of my payment history was transferred with the account, so I don't understand why EdFinanical is any different? I went on my XXXX account to see if I can request a refund there, but I can't seem to access anything ( as my remaining open loans were transferred to EdFinancial ). It seems like this is a common issue that those that have had their loans transferred to EdFinancial, are facing.
Product: Credit reporting or other personal consumer reports

This account does not belong to me please delete immediately! 
XXXX XXXX XXXX XXXX {$45000.00} Opened - XX/XX/XXXX I did not authorize any company to run my credit delete inquiries 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 XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I messaged XXXX XXXX  XXXX XXXX XXXX XXXX regarding my XXXXXXXX XXXX  Credit Card being charged a minimum interest balance of {$2.00} on a XXXX balance, which proceeded to accrue late fees and other minimum interest charges to a total of {$30.00} as of XX/XX/XXXX. I had fully paid my credit card with them down to a XXXX balance as of XX/XX/XXXX, but had been charged a minimum interest charge of {$2.00} as of XX/XX/XXXX, XXXX stated it was because my account was not paid in pull by the billing due date, which it was. The billing due date, in this case, was XX/XX/XXXX, and my card was paid in full as of XX/XX/XXXX. This caused a string of late fees as well as additional minimum interest charges to accrue on this card from XX/XX/XXXX, to XX/XX/XXXX, which I believe is incorrect on the company 's side. I ended up discussing further with the XXXX XXXX XXXX and was refunded the majority of the late fees and finance charges, however they still negatively reported against my credit score and labeled me as 30 days past due. The entire reason that I was considered as " past due '' was due to their charging of a minimum interest balance on a XXXX balance, which is illegal. I ended up paying an additional {$5.00} to this company as of XX/XX/XXXX, for the charges they did not refund, which is the same date that the reported me as " past due '' to my credit reporting agency. I strongly believe that this entire situation is not correct and should not be reported against me to my credit reporting agency. 

I called this company on XX/XX/XXXX, to inquire on how to dispute this situation, and was met with a runaround on who to contact and how to contact them. Seeing as this got me no resolution, I turned to writing a letter with my statements enclosed for their viewing. I sent this letter to multiple different departments of this bank on XX/XX/XXXX, and still have not heard from them and my credit score is still negatively impacted. I feel that this is a gross injustice as it is likely affecting not only myself, but thousands of others that have cards with this company.
Product: Debt collection

Portfolio Recovery A at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 furnishes, 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

NES continues to contact me on my cell phone for someone else 's debts. I have requested they take me off of their list but the same person keeps calling me and trying to force me to pass along information to the person even though I dont know them.
Product: Debt collection

A few years ago someone opened a cell phone account with XXXX in my name and did n't pay the bill. I reported this to police. Midland Credit has been trying to collect the debt ever since. I have sent them a copy of the police report and requested verification under the fair credit act. I sent XXXX as registered mail and received confirmation via USPS that they received my request. They never responded to the verification as required under the law. They continued to call and mail letters to attempt to collect the debt. I spoke with them in XXXX and they said due to the above they would cancel the debt and report to the credit bureaus. In XXXX, they once again attempted to collect the debt.
Product: Debt collection

Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported an account on my credit report, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
Product: Credit reporting or other personal consumer reports

I need to lift the freeze on my credit report as I'm currently applying for something and urgently require it unfrozen to proceed with the verification process.
Product: Vehicle loan or lease

Went in to purchase a vehicle. Spent several hours negotiating a price we discussed before hand. Settled it's with the dealer and went on to sign the deal. He switched the number around and added the same item back on to the document but spelled out differently we didnt catch it at the time but apparently it's a known scam. XXXX XXXX was falsifying items unbeknownst to us. He admitted to this in the office after confronted about items not matching up and not giving us all the forms after the purchase. After being pulled all the way to the other side of the lot for financing and being told our agreed upon payment method XXXX XXXX XXXX would not be accepted one of us left to rush home for a check book. This division added to the confusion they would use to not turn over any receipts or documents besides the e-signature thing mixed in with the swapped buy order. Once we returned back he had none of the items and made excuses and delayed handing them over until general service XXXX intervened. He then presented a document he said was for the vehicle a document he said was from the time of signing. The document listed a different vehicle but had same model number at a lower price.. XXXX XXXX XXXX said it didnt exist and was not on the list of vehicles in the system he had showed us. Upon further review we found that the XXXX VA XXXX XX/XX/14 was digitally signed for accepting a loan. We were in the office physically and were signing with a pen. The signature was so foreign to us that we initially thought it was forged. Mentioned to this to XXXX XXXX and he never mentioned it was an e signature. He only stated no one had forged it. However someone else signed a e signature on our behalf without discussing this with us. Further discussion revealed that the staff keep the sales documents in an EDITABLE document. XXXX demonstrated this by deleting the lines in a document, showing he could. He then tried to take it back by saying only that one page was editable. But it was in same pdf so the entire documents integrity is in in question. So happens the doc in question they had on file was empty while the one we signed was not ( we took a picture of it ). We were presented multiple buy orders with differing numbers signed as proof we agreed to one price. When questioned about this he blamed the computers. It didnt seem to matter that they had so many with different versions of the price of the vehicle. Salesman was engaged in fraudullent manipulating documents telling stories that didnt add up to any of the other employees not even the XXXX XXXX XXXX. We requested to return the vehicle as it was obvious they were not being genuine. They said no, as if counting on the doctored up contracts to protect them. While he expressed confusion as well the XXXX XXXX didnt really care about what had been done.
Product: Credit card or prepaid card

We accidently overpaid our account by {$4600.00}. We contacted XXXX XXXX XXXX and told them we overpaid and want a refund, Overpayment was made XXXX XXXX XXXX, it is now XX/XX/XXXX. I have been on phone numerous times with customer service and nothing gets resolved. They said they sent a check but we have seen no check. They say they stopped payment and issued new check over a month ago still nothing. They keep me on hold for hours. I am starting to get mad. Its like they are not going to give my money back.
Product: Credit reporting or other personal consumer reports

Begininning in XX/XX/year>, XXXX XXXXXXXX XXXX XXXX began reporting me as 30 days late, ( 60 days late in XXXX, 90 days late in XXXX, And Charged off every month since ) I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my XXXX attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, Experian, XXXX, XXXX ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am referring to is : ( ACCOUNT NUMBER XXXX - XXXX XXXX  ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Product: Debt collection

XXXX my passport, XXXX XXXX gift cardXXXX XXXX XXXX  card, and XXXX  membership all these transactions must be dispute and return money to credit card service.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid and it is supposed to be deleted from my credit report.
Product: Credit reporting

I have seen at least XXXX credit inquiries on my Equifax credit report from car company 's. I have NOT filled out ANYTHING from a car company. My last credit application was to XXXX. I do n't know who is making these hard inquires from these car places, but I want it stopped and removed! I have also written a letter to the credit bureau which will be sent out today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the company on XX/XX/21. As of today I have not received a response about my disputes. I also sent demand to comply letters on XX/XX/21 to this company and still have not heard back from them.
Product: Checking or savings account

I try to fix a fee with them and I tell them that is they policy and they dont explain me they policy
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe are inaccurate and should be removed. The following information are incorrect and should not be included in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 DP OF EDUC XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

False credit reporting Credit reporting and personal information being provided without authorization from me
Product: Bank account or service

XXXX XXXX owner is cancelling credit card processing service with the XXXX. As a part of XXXX XXXX cancellation process it is charging {$290.00} cancellation fee because 3 year of service term which according to my card processing application does n't indicates. I believe is not a fair charge & seeking to reimburse it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer online to send {$500.00} to my girlfriend in XXXX. I used the option to pull the money directly from my bank account rather than using my debit card because the fee was slightly cheaper. Total cost of {$510.00} was removed from my account. Using the tracking number we could see it was available for pickup. But when my girlfriend went to pick it up on XX/XX/XXXX she was denied and there was a hold on the transfer. 

I called Western Union and they told me they couldn't make the transfer. Then they said they could and gave me a new tracking number. But it also was denied when she went to pick it up. I called again and they said they would refund the money to me but that I had to pick it up myself. They gave me a another new tracking number. I told them I can't go to a western Union as I'm in XXXX XXXX, XXXX, XXXX. One rep said I could pick it up whenever I get to a location and one said it's available for 45 days. I am not and will not be near a western Union for who knows how long. Picking up the money is just not possible. 

I asked why they can't put the money back in my account the same way they took it out and they said it was because it was a cash transaction. I told them no I did it online. They still said I had to pick it up in person. I told them again where I am and that I can't go pick it up. I asked if my mom could pick it up but they said they can't change the transaction at all. 

On XX/XX/XXXX one customer service representative told me she could put in a request to transfer it into my bank but that it probably would not work. It didn't.