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

See attached document " CFPB Claim XXXX Final '' Synopsis On XXXX, XXXX XXXX and again XX/XX/XXXX, as a matter of fact, our nanny stole both my wifes credit and debit cards, and as it pertains to this letter, my credit card. Here is the photographic evidence. The same photographic evidence I showed her when I fired her to her face with no dispute, and my neighbors as my witnesses. 

This has been an awful and horrifying experience. 

That said, dealing with Bank of America has made it that much worse for me and my family. 

I have gone back and forth with all the evidence you needed. 
The photos via fax. 
A police report of the second incident. 
A detective investigating the incident. Note living in XXXX XXXX, the DA is very reluctant to press charges because of leniency on crime ( this is well documented in the media ) Re-sending the fax after it wasnt received. 
Going into a B of A to talk to someone who after a call claimed the reason I was on the hook for payment was I stated I had credit card in my possession. 

On that point, the line B of A kept going back to was I had my credit card in my possession. The truth was, on the first theft, card number ending in XXXX, I did. Because you sent you two versions. You sent me one without asking XX/XX/XXXX. The other one was stolen. This was explained at least twice over the phone to a representative. See the email below. I had two versions of the card.

One with touch features, the other did not. I had one version ( actually still have it ) The other was stolen. 

The first time she stole itmy assumption was cyber fraud. There were a lot of reports in the media about it at the time. 


It wasnt until I got a note from you a few weeks later, on XXXX that I found out it was an in-person transition into a Target I never set foot in. 

A couple days later, it would happen again. But not only did it happen to me, it happened to my wife. See below the XXXX XXXX purchase matching a pattern of stolen gift cards. 


The second time it happened, we caught the women red-handed. I did not have possession of the card. I called at XXXX XXXX after I recognized I didnt have it, and while I called she had indeed stolen it. 

Attached is photographic evidence. Heres the alternative charge that I made. Also, heres photos I took at the game, timestamped. If you KNOW ANYTHING ABOUT XXXX XXXX, you know its virtually impossible to get from XXXX XXXX  to XXXX XXXX in the time. 


At minimum, see this photo. There is a time stamp, a receipt, and her on camera with the card showing. Clearly, its not me, and its charged to my credit card. Its indisputable. 


On the XXXX charges the next day I went to XXXX, and it was confirmed by the manager that my former nanny used my card to buy XXXX gift cards. XXXX has a policy they wont let customers look at surveillance videos. Noting that : given the volume of increments that match stolen gift cards, its clear that these are consistent with the prior charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I initiated a dispute with Equifax representative XXXX ( # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my Equifax credit report. As of XXXX, I had not recieved a response from Equifax re : my dispute and the 30 day allotment given for the investigation had passed. Because I had not recieved a response from Equifax, I took the liberty of checking my credit report to see if changes had been made based on my dispute. Upon checking my credit report, I noticed not only had there been no changes made on the account that was supposed to be investigated, the account was not even marked as disputed so it appeared as if no transaction had happened on the account at all and Equifax elected to not investigate the account I had disputed. Based on Equifax 's lack of action, I decided to send a certified letter with a return receipt requesting their method of verification and proving they actually conducted an investigation into the account I was disputing. As per the FCRA, Equifax had 15 days to respond to my letter. It has been 15 days and I still have not recieved any response from Equifax, not for my original dispute, nor for my request for their method of verification. It has now been 60 days since I initiated a dispute with Equifax and I have yet to hear back from the bureau, and the inaccurate account remains on my credit report. I do believe this is a direct violation of the FCRA and my consumer rights were violated as well. Equifax was not in compliance with federal law and I do not believe Equifax ever conducted an investigation into the dispute I initiated in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I pay almost {$300.00} a month ( half of which is interest ) for my private student loan for a school that I only attended for less than 6 months. I have made multiple attempts to bring down my monthly loan payment as it is very difficult to pay. I, unfortunately, have a cosigner ( who is unable to help me make payments because of the large amount of debt that he has ) so all attempts to lower my payments or interest rate have been denied. In fact, my interest rate has gone up. I attempted to apply for a forbearance in a hopes of alleviating my financial burden and get caught up on some of my other bills. I was unable to do this for the fact that I have to pay for a forbearance and can only do so with a check or debit card and do not have the funds in my account for this.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit card

Asked for a reconsideration review addressed to Navy federal underwriting department in XX/XX/scrub> 2024.
Product: Debt collection

Took over 300.00 dollars garnishment out of my check in one pay period. Very upset
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my knowledge or permission Transunion changes my name to something that I have never been. They gave me a middle name also. I sent them a document showing a certified court document that shows my complete name legally changed and filed since 2003 is XXXX XXXX with no middle name or initial. All credit cards show my legal name as does social security. But Transunion has misnamed my file so that their data does not agree with my lawful name or my social security number. Transunion also has a contaminated file containing about 30 % fictitious addresses, phone numbers making it impossible for me to answer questions about myself that agree with their phony data. Transunion refuses to take off fictitious addresses I mention of places that never were my addresses and tells me that I lived in a county I never heard of two years ago. They use their false data as an excuse for their refusal to return my name to agree with social security, my birth certificate and all driver 's licenses issued to me in the past 20 years. As a result, I have been denied 3 credit cards and One card is cancelled without warning or notice afterwards, I suffer greatly financially to the tune of thousands of dollars. My question is do I ask them to terminate my file since they refuse to correct it and claim I must answer their questions with answers that agree with their distortions or they will continue to refuse to remove the phony name they devised and have my file under that I have never had or used : XXXX XXXX XXXX. I have no middle name. In consequence of their atrocious fraudulent action and errors I keep receiving demands for money from a collection agency for XXXX to whom I have no credit card or balance due using the phony name transunion thought up to put my information under thus fraudulently ruining my credit rating that was XXXX and now is not.
Product: Credit reporting

going into reports for Experian and XXXX I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Product: Debt collection

They must identify themselves as a debt collection agency and give their name and the address for the collection agency. 
They must tell you the name of the creditor ( company or person you owe ), the amount you owe and how you can dispute the debt or seek verification of the debt. 

I have never received any written forms from them. Now today I received paperwork delivered from a lady at my door about a lawsuit FROM THEIR LAWER.
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 report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPA ) 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 the dispute outcome. 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: Credit card or prepaid card

Someone used my Barclays credit card to make a lot of fraud charges for total about {$7500.00} around XX/XX/2020. When i see these charges in the statement I immediately call Barclays and report it, customer service said they will close the account and start the investigation. I have filed police report. About one week later I the credit for all charges on my account. But just a month later I received a letter in the mail said that they have completed the investigation and that i'm responsible for all the charges. I call the phone number in the letter asking why and the customer service said that fraud claim denied because investigator said transaction was made by a chip credit card, and it is very hard to duplicate the chip card. and also that online purchase was shipped to my billing address. So I ask customer service what address item was shipped to she just said it is shipped to my billing address. I ask her can you read out the shipping address but she said she couldn't. I then ask customer service to send me all the documents of the investigation, she said I will get it within 10 business days, I still have not received it. I also request for supervisor call back and it have been more than 10 business days still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation other loans XXXX XXXX FRCA Violation collection XXXX XXXX FRCA Violation personal information XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation auto loan late payments XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX, Account Number : XXXX, XXXX, Account Number : XXXX, XXXX XXXX, Account Number XXXX XXXX, XXXX, Account Number 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 items 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

REGIONAL ACCEPTANCE CO XXXX you charge Off this account on my credit and I have never received a 1099 form with the account report in as a charge off to the IRS it should not be still reported on my credit report.. you have to send that out to me in you failed to do so in your report this charge off every month on my credit report as a charge off its been charged off my account almost a year ago and its still reporting every month as a charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX XXXX   in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX Bank sold this debt to Portfolio Recovery Solutions. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted Portfolio Recovery Solutions on XX/XX/XXXX and they said that XXXX XXXX XXXX out of North Dakota was handling the account. 

So I called XXXX XXXX XXXX  and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against XXXX XXXX XXXX, and Portfolio Recovery Assets. 

Thank you.
Product: Student loan

I went on Navient site to pay my XX/XX/XXXX payment which had been around $ XXXX month for XXXX. It showed it now at over {$300.00}. I called them and spoke to a customer service agent and they had me fax over a current pay stub with their form. They had set up my payment for the next year thru XX/XX/XXXX to be at {$29.00} month reduced as I said I could not pay that high amount. I told them I would pay more each month if I could on the {$29.00} and on XX/XX/XXXX made a payment of over {$50.00}. I made another payment on their site on XX/XX/XXXX for over {$50.00} also. I went on their site XX/XX/XXXX to pay and it now stated my payment was going to be {$180.00}. I called and the customer service agaent said the person screwed up in XXXX and that they reviewed my account XX/XX/XXXX and that my payment is going to be {$180.00} for 10 months and then will jump to over {$500.00} a month! 
Something going on with Navient!
Product: Credit card or prepaid card

I Opened An Account With Barclays US Credit Cards On XX/XX/2021. I Sent In Documents As Apart Of The Verification Process, My Social, ID, And Bank Statement, Via Fax. They Stated That The Signature On My ID And Social Did Bot Match. I Explained To Them That When You Sign Your Sig At The DMV Its Done On A Electronic Key Pad, And When You Sign Your Social Its Done With A Pen And Paper!! So Unless Im XXXX The Signatures Wouldnt Match. So I Sent In More Documents! Now Its Been XXXX Weeks And They Are Still Saying To Wait Theres Nothing I Can Do! Ive Already Paid My {$99.00} Annual Fee And CANT Use Or Enjoy The Benefits Of The Card Because Im Restricted
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX LVNV Funding Dispute of Non-Compliance and Non-Investigation under FCRA Dear XXXX and LVNV Funding, I am writing to formally dispute the handling of my credit report as it relates to an account held by LVNV Funding. On XX/XX/XXXX, I submitted a dispute regarding inaccuracies on my credit report, which should have prompted a thorough investigation per the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any correspondence confirming that my dispute was investigated nor have I been provided with the results of any such investigation. This lack of communication and compliance with FCRA regulations is concerning. 

I request that both XXXX and LVNV Funding conduct a full re-evaluation of the disputed account. I expect a response confirming that my dispute is being investigated, along with relevant updates, within the time frame mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ XXXX with LVNV funding XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card account ending XXXX with XXXX XXXX XXXX USA is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Product: Checking or savings account

I received mail from this company, Navy Federal Credit Union, telling me I made deposits to this bank, I have been with the same bank for many years, it's the only bank account I have. I never even heard of this bank. I am being scammed and harassed by this company, I have mail they have sent me, I called them to tell them they have the wrong person, I'm XXXX XXXX XXXX on a fixed budget, I would please like an investigation on how they have my name and address, I would like to file a law suit. also, I intend to write to our Attorney Generals ' office XXXX XXXX XXXX I will not stand for being scammed by this company! I also want to have them investigated by the FCC and Consumer affairs, can you please advise me as to who else I can contact to have them investigated, I appreciate all the help. Thank you very much.
Product: Debt collection

I never did business with Sequium Assests Solutions and this company is reporting a debt on my credit that I never did business with these people and I also looked and I see they are not licensed and bonded to do business in my state that I am in I never signed no account or nothing with these guys at all as a consumer this is a violation