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

I recieved a letter from Bank of America on XX/XX/20 stating that my account was being closed due to inactivity, utilization of credit being too high, and current or past delinquencies with one or more of my creditors. I had a XXXX line on this credit card. I checked my credit report and it shows NO delinquencies. I also tried to utilize my BOA card last week and it was declined. They have now made my credit utilization score even worse by removing XXXX in available credit from the calculation. I am extremely upset as I work hard as a single mom to try and keep my finances in check. This is a huge blow to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX   XXXX  7 ) XXXX XXXX XXXX  8 ) XXXX XXXX  9 ) XXXX XXXX XXXX   10 )  US Department Education 11 ) US Department Education
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the XXXX XXXX XXXX Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX - XXXX : {$1300.00} Date of Account:XXXX/2024
Product: Student loan

I have been a public XXXX XXXX since XXXX of XXXX. I am still XXXX  currently as of XX/XX/XXXX. I feel as though I QUALIFY for my federal student loans to be forgiven at this point. 

1. The first few years of XXXX my servicer put me in a EXTENDED period of forbearance without offering me IBR, IDR or PSLF as an options. In XXXX of XXXX, Biden announced that those borrowers who were WRONGLY put into extended periods of forbearance, WILL HAVE those years count towards the 10 years required for PSLF. With those years added into my payment count, I should now qualify for forgiveness, or be extremely close to the 120 months required. 

2. I have applied with FEDLOAN ( my current servicer ) over 4 times for the PSLF program and keep getting denied. My payment counts ARE INACCURATE and those years of extended forbearance have not been counted towards the 120 required payments. I was never offered IDR or IBR or PSLF the first few years of XXXX. I was WRONGLY taken advantage of by my loan servicer. 

I should be able to qualify for forgiveness at this point and FEDLOAN is not including those years of forbearance in my payment total. My account is inaccurate and I should be qualifying for PSLF at this point.
Product: Debt collection

I am writing to formally dispute the debt you are attempting to collect as well as to bring to your attention several violations of my rights under the Consumer Financial Protection Bureau regulations and the Fair Credit Reporting Act. As per the referenced consumer laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s 2 ( 7 ) ( A ), it is evident that your actions have not adhered to the prescribed standards.

Firstly, I dispute the validity of the debt you are attempting to collect. I have not received any verification or validation of this debt as per my rights outlined in 15 USC 1681s 2 ( 7 ) ( A ) of the Fair Credit Reporting Act. It is imperative that you provide me with detailed documentation verifying the debt, including the original creditor 's name, the amount owed, and any relevant account statements.

Furthermore, your collection practices have violated my rights under 12 CFR 1006.34. Specifically, your failure to provide me with written notice within five days of your initial communication, as required by 12 CFR 1006.34 ( b ) ( 5 ), is a clear violation of the law. Additionally, your failure to cease collection efforts until you have provided sufficient validation of the debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), further demonstrates your disregard for consumer rights.

Moreover, your company has failed to provide accurate and complete information to the credit reporting agencies, as outlined in 12 CFR 1006.34 ( d ). The inaccurate reporting of this debt has had a detrimental impact on my credit score and financial well-being. 

Therefore, I demand that you : Cease all collection activities on the disputed debt until you have provided adequate verification as required by law. 
Provide me with detailed documentation validating the debt in question, including the original creditor 's name, the amount owed, purchase agreement between the original creditor and you, also requesting to furnish proof to be licensed and bonded and any relevant account statements. 
Correct any inaccuracies in the information you have reported to the credit reporting agencies and provide me with written confirmation of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acted XXXX XXXX ) Account #. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Product: Checking or savings account

I recently opened my chime account XXXX XXXX and was received maybe 5 little deposits from my girlfriend which shows and an app called XXXX and XXXX for verification. I set up my direct deposit with Chime The XXXXXXXX XXXX received my 1st ever check XX/XX/XXXX of {$1100.00} plus Chimes {$100.00} bonus for signing up with direct deposit. The next morning Saturday XXXX XXXX my account was suspended with all of my funds in there and I havent been able to get in contact with the support team.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can call the US over recorded lines however Etrade has a policy that they will not speak to customers on a line that is recorded. Etrade records all customer calls on their end. I do not have n option other than to call from a public phone and with the wait time today being 28 min that would be over {$60.00}. 

Etrade offered no explanation and the terms and conditions I read do not address this concern. 

I am not provided another means to contact them ; the only suggestion has been to lie and say the call is not recorded, this advice coming from a financial institution I am expected to trust
Product: Checking or savings account

I tried to log into online banking this afternoon and received a pop up that my account had been locked because of suspicious activity and I'd have to call them to unlock the account. I was never notified that my account had been locked, and was very inconvenient because I was logging in to check a transaction. I called them and waited on hold for over an hour before finally received an automated message saying they were unable to take my call at this time and to call again later.
Product: Checking or savings account

On Friday XX/XX/XXXX I called ally bank because I noticed unauthorized activity on my debit card I was put through to the fraud department after the weekend on XX/XX/XXXX th I called back I discovered that there were not any disputes filed so this time I was transferred to the card disputes department who opened the disputes on my behalf for on XX/XX/XXXX I was sent an email that there was unusual activity on my account I called the next morning to be told by the loss prevention department that my accounts were going to be closed every since then my accounts have been frozen with no access to my funds on XX/XX/XXXX I noticed they let a charge go through so I sent myself a bill pay thinking my account was unfrozen and it would be the simplest way to get my funds out I deposited my bill pay check into my new account on XX/XX/XXXX I received an email informing me my {$14.00} rush processing fee had been declined due to insufficient funds my fear is that my bill pay check will receive the same treatment causing me to have deposited a check that wont be honored needless to say if that happens on my new checking account it will most likely be closed I am 25 days into this process this bank does not adhere to consumer protection laws at all it has caused me extreme hardship it promised XXXX liability debit card protection instead I have had all access to my funds denied I cant pay my bills and since I dont have a car I cant even XXXX anywhere if they do not honor my bill pay check they will also cause me to have a bad banking mark and possibly not be able to secure another bank account at this point the bank is deciding where I can spend my money choosing what is important enough to be paid and whats not I did not give the bank that authority I choose not them and causing me to bounce a check this bank is nothing more than a criminal organization and should be shut down that they are getting away with this is ridiculous I am clearly being discriminated against because I have a small consumer account and I am poor and honestly probably because Im a woman if I had the money to hire a lawyer I would have my money instead Im facing losing phone service and my home while the XXXX cats sit there in judgment deciding how my money should be spent and causing me future banking and credit problems from this all while openly and arrogantly violating my consumer rights and nothing happens I call almost daily email almost daily and Im told someone will call me within 2 days then within XXXX days my phone still hasnt rung and since it will be turned off soon wont ever ring
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX-XX/XX/XXXX I bought Bitcoin on Coinbase. Of which, I paid nearly {$470.00} in fees. By now, on the website it states that my balance is available to withdraw. Upon trying to do so, it states my account is restricted. Support initially they told me Id be able to withdrawal my bitcoin after the purchase hold no matter what and now theyre denying me access to it. After contacting support again, theyre saying in order to withdrawal my money - I have to sell my balance on their platform ( costing me another whopping {$450.00} in fees! ) Just to get my balance. Not to mention, I already have lost money due to the initial investment decreasing in value and the previous fees Ive already paid. This itself is fraud because theyre denying me access to what I paid for. On top of that - theyre forcing me to pay more money to get what I was supposed to receive previously. I asked them about waiving the fees and they wouldnt.
Product: Credit card

XXXX XXXX  XXXX XXXX XXXX XXXX Charged my Card {$35000.00} for No Service Provided. 
XXXX On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
XXXX On XX/XX/year>, American Express Closed the Dispute with no resolution, apparently, American Express XXXX on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
XXXX American Express even refused to provide me with documents to determine the validity of the debt. 
XXXX XXXX and American Express took advantage of my XXXX XXXX, to run this scheme, and deprive me of my right to dispute fraudulent charges.
Product: Mortgage

The salesman did not inform me about the rescission period, which is my right to cancel the purchase within a specified timeframe. Additionally, I was misled by being told that my timeshare purchase was an investment that increases in value. The promise of the developer buying back the timeshare when I want to sell turned out to be untrue. 
Furthermore, I was not properly informed about the maintenance fees, which were said to go up by only a few cents every year. The promised hour-long tour ended up lasting XXXX hours, causing inconvenience. On XX/XX/2023, {$2400.00} was charged to my credit card without my full awareness. They made a hard pull on my credit without my consent or proper notification. 
Despite my efforts to address the situation, writing XXXX letters and making XXXX phone calls, they refused to cancel the purchase. They claimed I was a day late and that I sent the letter to the wrong department, which suggests their refusal may be unjustified. Furthermore, the salesman allegedly forced me to sign by not allowing me to leave the room and misleading me about the purpose of the signature, falsely claiming it was for a hotel payment that was never made. 
Based on these circumstances, it appears that my consumer rights were violated, and it would be advisable to seek further assistance or legal advice to address the situation and potentially explore options for resolving these issues.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX, XXXX Former : XXXX XXXX XXXX, XXXX Former XXXX XXXX XXXX XXXX  Former XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2019 around XXXX, I was trying to help a friend get XXXX home from work because they were stuck. I had told them I would be willing to help them out by sending {$15.00}. I planned on sending the XXXX dollars through cash app, but I mistakenly ended up sending {$1500.00}. I messaged the person and requested the money back from this person but they only sent me back {$500.00} at XXXX. So I requested {$1000.00} back but they declined my request. I then began texting them requesting for the money back but received no response. I immediately proceeded to contact cash app as well as XXXX, my bank because this has over-drafted my account - {$900.00}. My bank, told me they would give me my money back within 3-5 but theyd have to wait till the payment was done processing to start an investigation and file for a claim.Today, Thursday, XX/XX/2019 I received an email from cash app saying there was nothing they could possibly due because the payment had already been processed and the person had withdrew all the money from their account. As well as my bank emailing me about my claim saying that it has been declined. I went to the police station to file a report but unfortunately there was nothing they could do. I still have bills to pay, food to buy but I am unable to do all of this because my check was already deposited into my account. With this pandemic going on it has made things very hard.
Product: Credit reporting or other personal consumer reports

I called Equifax the other day and I told them that I could not see my credit score and I asked why was it blank because I had applied for credit and got denied since the creditor could not see my Equifax score. They could not give me an answer which leads me to believe that they are doing this on purpose. I demand that they allow me to see my credit report
Product: Student loan

I made payments XX/XX/XXXX & XX/XX/XXXX. When i checked my account from Navient i can not see the two payments in the account summary which i always check everytime i make payment. I send them an e-mail and question why i did not see those payment but they gave me an answer like they put it as a refund ( do n't know what it means ) I did n't receive any refund check. Then they told me to skip XX/XX/XXXX which i did. When i paid XX/XX/XXXX the same thing happened it did not appear in my account summary, instead it appears that I am delinquent. I called and ask but no clear answer to my question. On XX/XX/XXXX i am due my payment but i feel like not making another payment until the issue is resolved, on the other hand i do not want to be delinquent. All payments are done online. I am the parent and this is my Parent Plus Loan for my XXXX boys. XXXX graduated XX/XX/XXXX and XXXX graduating XX/XX/XXXX.
Product: Mortgage

We had the house for sale. We needed a solid dollar amount & had to request a payoff statement. To my surprise it was XXXX  dollars more than listed on the payment statement for XXXX. That was good for 30 days. However, there was verbiage in that statement the attorneys & bank questioned. It related to additional charges that may be added. That statement did list charges which would be due. The attorney requested in writing that once funds were received the mortgage would be released & the lawsuit dismissed. The first date the payoff statement was good through was XX/XX/XXXX. Had they given us what we needed we could have closed before then. As a result, I had to request another payoff statement which added yet another XXXX  dollars. That quote was good through XX/XX/XXXX. Once again, they would not give us that written statement and the date we could have closed has again passed. Our realtor has communicated with both attorneys as well and I have placed calls and emails to PHH all to no avail.
Product: Student loan

On XX/XX/year>, Ive received an email from XXXX. of XXXX stating that The XXXX XXXX XXXX has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( XXXX ) will be forgiven. You do not have to make any more payments on the loan ( XXXX ). 
Your loan ( XXXX ) will be XXXX as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs XXXX  years later, these loans are still reported by Nelnet, XXXX interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to XXXX for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.
Product: Checking or savings account

On XXXX i received a email saying my account is under review due to unusual activities. It maybe closed and i will receive a check with my balance. I call and they saying theyre investigating my account and the source of the funds. I contacted the person who transferred and they not heard nothing from they bank and everything is ok. Actually today im keep receiving wire transfers and no issues at all. I had been without fund access since XX/XX/2022 and they keep saying there no estimated time to resolve the investigation. I really need help on this matter
Product: Credit card or prepaid card

My two accounts with Bank of America were suddenly closed without any notification
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action
Product: Credit reporting

I have disputed an account on my credit report. The results came back as verified but they do n't want to remove ( The remark with it says consumer dispute ) Even though the dispute is over.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX fraudulent charges were posted to my account and I notified Citi Bank and they credited about half of the charges and the remaining {$180.00} remained as a balance. The following month 's statement indicated late charged and interest were charged. In XXXX I wrote the company explaining that the balance plus interest and late fees need to be credited. I also contacted the company numerous times the staff either didn't understand the issue or chose not to resolve the issue. I filed a dispute with XXXX and XXXX and the {$180.00} was credited on the XX/XX/XXXX statement but there are {$160.00} late fees and {$78.00} in interest that has not been credited. 

CitiBank filed a 30 day late on this account and as a result all my credit lines were reduced. In essence, Citibank decimated my credit. All my bills have been paid on time if one would look at my report.
Product: Checking or savings account

XX/XX/XXXX spoke to XXXX and was told i would be refunded the amount of my purchase within 5 business days. This never happened, filed a claim with truist and nothing has still happened. Provided documentation showing XXXX said refund would be on with 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous 605b and FTC reports to XXXX  XXXX  and Experian. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name XXXX Ive never used it that way please see ftc report/ 605b all attached