23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I will have to go back a few years so many transactions that they have not posting money when they're supposed to also they took a money from me several times and I mean a lot of money there's never been customer service help I can go on for days with this company
Product: Bank account or service

I HAVE BEEN GETTING XXXX CALLS XXXX DAYS A WEEK FOR OVER XXXX MONTHS FROM KEY BANK. I HAVE NEVER BEEN IN A KEY BANK IN MY LIFE. THEY SENT ME A LETTER OFFERING TO WAIVE MY LATE PAYMENT. I NEVER BORROWED ANYTHING FROM KEY BANK. THE NUMBER THEY CALL FROM XXXX.
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 how to remove the fraudulent items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Inaccurate Charge-Off Reporting by XXXX XXXX on XXXX Credit Report Dear Consumer Financial Protection Bureau , I am writing to request your assistance in resolving a reporting issue with XXXX XXXX XXXX XXXX XXXX which has negatively impacted my credit report. As of XX/XX/year>, XXXX XXXX reported a charge-off on an account that I have no knowledge of, claiming a {$1200.00} charge-off amount and a past due balance of {$1400.00}. I have no record of this account or any financial relationship with XXXX XXXX and am not aware of the origin of these amounts. 

Notably, my credit report shows no data ( ND ) for XX/XX/year>. However, in XX/XX/year>, a charge-off suddenly appears, which seems highly unusual and inaccurate. The rapid change from no data to a charge-off in such a short period raises concerns about the accuracy of this reporting, as I have no association with this account or its reported balance. 

I respectfully request that the CFPB assist me by : XXXX. Investigating the origin of this account and the validity of XXXX XXXX reporting on my credit file. 
XXXX. Requesting XXXX XXXX provide verification of this account and explain the reporting discrepancy between XXXX and XX/XX/year>. 
XXXX. Ensuring that this inaccurate information is removed from my credit file if XXXX XXXX can not provide valid proof of my authorization for this account. 

This error is significantly impacting my credit score and, therefore, my financial well-being. I hope to resolve this issue promptly with your support. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I was struggling to repay my student loan in XXXX and XXXX XXXXNavient gave me the only option to pay {$50.00} for a foreberance review. Some months, I could not afford the {$50.00} fee. XXXX XXXXNavient gave me no other option for my loan.
Product: Credit reporting or other personal consumer reports

* Creditor Name : [ GS BANKUSA ] * Account Number : XXXX * High Balance : {$3100.00} * Date Reported : XX/XX/XXXXXX/XX/XXXX * Date Opened : XX/XX/XXXX * Balance Owed : {$3100.00} I have disputed with the beauros company multiple times I have received any letters from them and is really affected my credit as Im not able to do much because of these inaccurate reports
Product: Checking or savings account

2 unauthorized transactions hit my checking account at XXXXXXXX XXXX on XX/XX/XXXX. I became aware on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX, FL, XXXX {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX, DE, USA {$200.00}. 

I notified Ally by phone twice on XX/XX/XXXX and used the chat feature on XX/XX/XXXX. After my first call, I used their chat when a confirmation email I requested never came and was told they had no record of my dispute. I used an online dispute on their website and called again to confirm I was disputing 2 charges. During my XXXX call, I was assured we were good to go. Online I only see 1 charge listed as disputed. I am not confident that Ally will investigate my ( 2 ) disputes and issue new debit cards. After a quick XXXX search, this looks like a widespread issue with Ally debit cards : XXXX XXXX XXXX XXXX? XXXX
Product: Prepaid card

On XXXX XXXX XXXX I received a BMO Harris Gift card. There was XXXX dollars on the card. Beginning XXXX XXXX, XXXX, BMO Harris began to reduce the balance by XXXX dollars a month. At this point I had XXXX dollars left on the card. I would like to get my XXXX dollars back.
Product: Vehicle loan or lease

I found the company AutoPay through the credit karma website on XX/XX/year>. They advertised that I could shorten the term of my current car loan. I clicked the button to accept the offer. I uploaded my ID, my car registration and input my social security number along with my employer info per the instructions. Autopay sent me a text that my application is approved and they would reach out if anything else was needed. XXXX from AutoPay called me today XX/XX/year> and informed me I qualify for a rate more than 3 % higher than what was quoted. I asked what the approval was based on and explained that my credit score is in the XXXX, my debt to income ratio is excellent and the loan on my car is for less than half of the cars value. XXXX had no answers and told me he is just doing his job. 
I was basically tricked into submitting my information and letting them pull my credit.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan out with a finance company. I had told them before to stop calling me at work since my supervisor doesnt allow personal calls. They proceeded to call anyway, i work at a restaurant, they called and asked for me, the hostess who answered the phone said i wasnt in ( i was off that day and i can verify ), they then said ... '' can i speak to the manager on duty '' ... ..the hostess complied thinking it was a customer... .the finance company called " private '' by the way ... ... ... the manager on duty answered the called and they asked him if he was me. He said no and told them his name and the finance company proceeded in telling him that i have been ignoring their calls and that they needed to reach me as soon as possible because every time they call im never there ... .they told him the name of the finance company and gave him the number for me to call. 
The manager on duty called me right away and let me know about the situation. i was very embarrassed and upset about this, now the whole staff at work knows about this.
Product: Credit card or prepaid card

Since I XX/XX/2019 when I first found out that my Bank Of America Cash Rewards Credit Card was completely comprised since XX/XX/2019 by a few roommates. Fraud charges against the card were made, Fraudulent Payments and again more charges. I had the account on automatic payments so up to a certain time I was paying for charges I did not commit. I have contacted Bank Of America ( who got bailout ) but when one of there customers were victims they chose to disregard my claim. Impacting my credit. After countless letters to XXXX and Bank Of America my account to this day has not been given proper credit for unauthorized activity and I have yet to get a replacement card. Bank Of America Their consumer credit cards are covered by the banks Total Security Protection service. 

That includes a {$0.00} liability guarantee. The bank will reimburse you for any fraudulent credit card transactions. They can credit your account for fraudulent charges made. Why was I not covered under a promise made to its consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I checked my credit report and noticed multiple accounts on my credit report that I do not Recognize
Product: Debt collection

On XX/XX/XXXX I filed a complaint with CFPB about this same debt and debt collector/law firm. See that complaint here : YOUR COMPLAINT I received notice that I am being sued by XXXX XXXX XXXX, XXXX XXXX at a trial on XX/XX/XXXX in a Justice of the Peace Court . I do not know the company nor have I done business with them. I am XXXX years old, widowed and on a limited income. I can not afford an attorney. I believe this is a scam and a form of harassment due to my age. I have filed a complaint with the Attorney General of Texas and sent an email to the Justice of the Peace regarding this.

The response from the company is here : Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX acquired a XXXX XXXX account in XXXX XXXX name reflecting a balance of {$3400.00}. When efforts to resolve the debt were unsuccessful, the account was placed with XXXX XXXX, XXXX with authorization to file suit on our behalf. The matter was subsequently transferred to Javitch Block, LLC. Based on the information XXXX XXXX provided and as a courtesy, we have instructed Javitch Block, LLC to dismiss the case. XXXX XXXX XXXX XXXX XXXX is terminating further collection efforts and closing its file. Thank you for the opportunity to respond. 

The most recent letter dated XX/XX/XXXX from Javitch Block LLC is attached and again a request for debt collection for XXXX XXXX XXXX XXXX but no indication for what. I do not owe XXXX XXXX XXXX or Javitch Block LLC. 

I would appreciate assistance on this. Preying upon the elderly should be a criminal offense. Regards, XXXX XXXX XXXX
Product: Credit card

Saturday night I was notified by Capitol One that I exceeded my credit limit and then I got to see that 6 charges were made from XXXX XXXX XXXX each {$3400.00}. Until then I received no dings on my phone which is typical of each Capitol One XXXX card purchase right after the transaction. I had checked online on my computer my current activity and this hadn't showed up. They said it's on your phone app but again it just showed up when the credit limit exceded message came. 
So they cancelled the card and sent me a new one that has XXXX available balance even though I have an excellent credit rating XXXX, and told me their investigation can take up to 90 days and when they finish the investigation they will reinstate my credit limit. This to me is totally unexceptable. Is this the new rules? 
It feels to me it was something within the Capitol one company because I got no notification. The only other large purchase, {$1800.00} for a computer, they texted me, '' is this your purchase '' So why nothing for amounts that I have never charged on my account.
Product: Mortgage

I applied for a loan and was given an estimate on XX/XX/21. The origination charges were {$1200.00}. Processing fee XXXX and underwriting fee XXXX. 
My closing is in 10 days and on XX/XX/21 the company increased the origination charges by {$1000.00}. The loan officer XXXX XXXX told me on the phone XX/XX/21 that there would not be any points charged with the 3.375 % interest.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft. The account that was opened on or about XX/XX/ established at an address that I have never lived in. I put a freeze on all consumer reporting bureaus and I requested this be removed off of my consumer report and some how this account keeps getting verified as accurate.
Product: Credit reporting or other personal consumer reports

I sent multiple letters to Equifax regarding several inaccuracies I found in my credit report. As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 
Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met.

Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete.

Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees.

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days.

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

ON XX/XX/2014 ACCOUNT WAS OPEN WITHOUT MY PERMISSION FROM THE XXXX  THEY CLAIM THE LIMIT OF CREDIT CARD WAS ISSUED {$10000.00} HOWEVER THEY CLAIM ON MY RECORD {$39000.00} I NEVER EVEN KNEW THIS WAS EXIST THIS CARD WAS OPEN FRAUD AND I DON'T EVEN UNDERSTAND HOW {$10000.00} CARD WITH BALANCE OF {$39000.00} I HAVE CONTACTED CHASE MANY TIMES AND INFORM THEM THIS IS FRAUD
Product: Credit card

On XX/XX/2023 I emailed Navy Federal Credit Union requesting that they adjust my credit card interest rate to the 6 % cap that Louisiana statute RS 29:312 states. I included my XXXX XXXX military orders that show I am currently stationed in Louisiana but they denied my request.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

Someone used my social security number to open a XXXX XXXX XXXX credit card under my name WITHOUT my permission. I believe this to be identity theft. Also used an address that I have never lived at before. I do not associate with address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. This is not my address and has never been my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked my creditors to provide to me the written contract with my signature on it. They have ignored my request thus having me believe they do not have the contract. 
Therefore unless they remove all negative items and collections from my credit report and credit bureaus, I request all creditors be fined {$1000.00} and payable to me immediately by law.
Product: Payday loan, title loan, or personal loan

For some reason my Line of Credit has 3 account numbers : XXXX / XXXX and XXXX. XXXX & XXXX charge 3 % interest and XXXX charges 10.69 %. My problem is that when I pay the request amount due on account XXXX only a portion of that payment is posted to XXXX, the remainder is posted to one of the other 3 % interest accounts even though I had requested on line, in person at the Truist Bank and have written on my checks that the payment is for the XXXX account only. 

This has been done several times. The Truist Banker in XXXX XXXX XXXX had spent 1 hour with me as she spoke to 5 people at the Truist Processing Center with no satisfaction. The banker told one of the Processing Center people that she did not understand the problem and could understand how the customer was confused. 

For example on XX/XX/2023 Min payment due on account XXXX was {$120.00}. I paid by check {$120.00} with a note that the payment was specifically for account XXXX. When I received my statement I found that {$9.00} went toward the principal, {$29.00} toward interest and {$2.00} for hazard insurance. Where did he remaining amount go? At this rate I'll never get the XXXX account paid off!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX center in North Carolina claims I owe them money and sold my debt. Ive never been to the state of North Carolina. I told them this and they didnt care. they reported me to Experian who ai thought was a real company not a fraudualnt organization. i submitted to them I have never been within XXXX miles of this state and they came back saying the company confirmed the info is correct when clearly its not. they want money to fix their scam and send emails how their boost can help me get loans when I pay my bills. the whole thing is a giant scam and experian should be shut down. how do they get away with these scams of reporting debt from states a person has never even stepped foot in.
Product: Credit reporting

Equifax refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, OH " The US Bankruptcy Court does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the US Bankruptcy Court ) to get required verification and validation. I have again attached the letter FROM the US Bankruptcy Court showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I would like to file a complaint against beneficial finance they have been trying to collect back mortgage payments that were covered in our bankruptcy I am sending documents in hopes that the cfpb can help us they have added interest and penalty 's for six years they call it deferred interest I hope I covered it well enough in my letter and court documents thank you
Product: Debt collection

This company is trying to collect debt for medical bills from 2013. This debt is currently also being collected on behalf of another collection agency as well. From my understanding, 2 collection agencies can not collect for the same debt at the same time. Also, I received calls from this company 3 times within 1 hour today which I consider harassment, especially if youre not going to leave a voicemail and then when I do call back, I am hung up on by one of your representatives.
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within XXXX days. Attached are the necessary documents for your review.