23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX, I tried to make purchases of Bitcoin through a payment service that sends Bitcoin to your wallet after your payment processes. I tried multiple times on different days and every time my card was denied. Later on, I noticed that 4 times the money was actually taken out of my account but I had never received the Bitcoin. I contacted capital one about it and 3 months later I get an email stating that 2 of my disputes were approved and two were denied. I have been contacting them about it and they are still not helping me with the two charges that were denied. It makes no sense to me because all 4 charges were of the same nature, yet only two were approved. The denied charges were on the following dates for the following amounts. 
XX/XX/2019 for {$1000.00} XX/XX/2019 for {$1500.00} Thanks
Product: Debt collection

on XX/XX/year> an Identity theft dispute was filed including an FTC report with proper validation for Identification, according to our records ( XXXX tracking number ) was received successfully. XXXX education also XXXX has failed to respond to my dispute within FCRA stated time frame with investigation resolution to the inaccurate reporting. All CRA 's either failed or have not received documentation from XXXX also XXXX about the Identity theft dispute on all accounts in order to start a mandatory investigation. Till this date no response was received nor resolution to the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I attended XXXX XXXX  from XXXX XXXX XX/XX/2007 I had taken out several loans. However, in 2007 I had taken out loans that XXXX kept and never returned after I had left and graduated in XX/XX/2007 over {$10000.00} in private and government loan money. It appeared in my student loan history on XXXX XXXX XXXX XXXX XXXX at the time but now its on XXXX. After graduating I had caught the fraudulent act in XX/XX/2007. I called XXXX XXXX  XXXX XXXX XXXX at the time and explain the situation and asked XXXX XXXX  to return the loan money since I was no longer a student there but rather a alumni. At the time, the Financial Aid Director at XXXX XXXX  promised he would return the loan money that XXXX XXXX  illegally kept after I had graduated but never did. Can someone please help me investigate this situation?
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX
Product: Debt collection

Santander Consumer USA, an auto finance company was verbally told to no longer call me after a XXXX XXXX XXXX but instead to communicate with my wife.Since then I have gotten repeated calls from them all day every day using many different phone numbers. Even though I block these numbers they seem to have an inexhaustible supply of them. Numbers include but not limited to ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are actually a very small sample of the numbers I have blocked and yet still receive calls from every day, no voice message is ever left. My phone identifies these as bad numbers coming from Santander Consumer USA.
Product: Debt collection

I tried to pay my rent they refused it do to me calling code enforcement on them so they didnt have to fix it they sold it for XXXX cash so the new family was responsible for the code enforcement fine so they lied and filed a eviction
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPV lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeats offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the accounts of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX
Product: Credit card or prepaid card

XXXX charged my credit card for {$75.00} without my permission. They had the card stored in their app. I used another form of payment. But they charged my other card anyway. I disputed it but Citi didn't approve the dispute as they said I could not prove XXXX charged my card twice. However, I never told Citi my card was charged twice. I told them that XXXX charged the card without authorization.
Product: Credit reporting or other personal consumer reports

I am writing to TRANSUNION to formally address fraudulent and inaccurate information that persists on my credit file as a result of identity theft. This erroneous reporting continues to harm my credit reputation and has caused ongoing damage. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand an immediate investigation and removal of these fraudulent entries. The associated Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, provides comprehensive details of the fraudulent accounts in question. Upon reviewing my credit report, I identified multiple suspicious and unauthorized accounts that were opened without my consent. These entries are not only inaccurate but lack any legitimate basis or proper authorization, violating my rights under federal law. Under XXXX XXXX, XXXX XXXX of XXXX, credit reporting agencies are obligated to ensure that all reported information is accurate and verifiable. The continued presence of these fraudulent entries constitutes a clear violation of federal law and TRANSUNION 's duties as a credit reporting agency. Furthermore, the failure to maintain accurate reporting exposes TRANSUNION to potential liability under the FCRA for non-compliance. I request that TRANSUNION promptly conduct a thorough investigation into the fraudulent entries I have identified. I also demand that all inaccurate and unverifiable information be immediately blocked and removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to ensure compliance with the FCRA and XXXX. Failure to address these inaccuracies within the legally prescribed timeframe may leave me with no choice but to escalate this matter. This could include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, as well as pursuing legal remedies to enforce my rights. Thank you for your immediate attention to this matter. I trust TRANSUNION will act swiftly and in accordance with its obligations under both federal and state consumer protection laws.
Product: Mortgage

My home mortgage was sold to Lakeview Loan Servicing LLC.  I received an initial notification letter and request for home insurance information in XXXX, and a statement in XXXX. I did not receive an XXXX or XXXX statement despite many calls to rectify this lapse once I realized what was happening and was being charged a late fee. The late fee was waived after a call, but the statements are still very erratic in arriving before the date in which I would incur a late fee and often do not arrive at all. I have called multiple times and have sent a certified letter requesting all my correspondence to be sent via US mail. Recently, I called and spoke to a supervisor, XXXX XXXX, who informed me that my file was correct and that the statements are going out. I have spoken with the postal service on different occasions and have been monitoring the mail coming into the XXXX hub. My XXXX statement still has not arrived and is due on XX/XX/XXXX. I have asked to have the mail tracked as the postal service suggested but Lakeview will not do this. I am not having difficulty with the delivery of other mail. I believe this to be a problem with the loan servicing company and request assistance with getting regular monthly statements in a timely fashion ( before the payment is due ) by US mail. I do not want online statements and feel that they are trying to force into this because on every call they try to get me to take my statements online.
Product: Debt collection

Almost every day they call around XXXX. They use my wifes number to contact me and I have no idea how they got it. I have repeatedly told them to stop calling me but it doesnt help.
Product: Credit reporting or other personal consumer reports

I want all reported accounts removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dovenmuehle Mortgage servicing and XXXX  XXXX  are discriminating in the loan modification process. We have sent in a lot of documents including tax returns and they continue to lose the documents. This started happening right when our ID was sent in showing that we are XXXX XXXX. They have given us one of the worst experiences we have faced and the representatives constantly misplace confidential documents. They also stated by various reps that our credit would not be effected while in loss mitigation this was far from the truth our credit went from XXXX to XXXX by their misrepresentations of the program, faulty reviews and reporting and negligence. They have caused severe harm to our household financially and pain and suffering.
Product: Money transfer, virtual currency, or money service

I sent {$150.00} by logging in to my wells fargo app via XXXX I am a first time XXXX user I submitted the payment to the wrong email address due to adding a zero it was sent to someone with a wells fargo account instead of going to a XXXX account I called Wells Fargo immediately and was told to wait 48 hrs i have went inside the branch 3 times requesting help and all they say is for me to contact the person of whom i dont know and all they say is they see my funds in someone wells fargo accounts today i called and a rep says XXXX is like a lottery and i gave free money to a unknown person..I could see if i have used this service before then I should be savvy in transferring funds but I dont have a clue and my financial institutions is not FDIC my funds or going to bat for me and its all internally im at a lost for words I will never use this application again XXXX XXXX offers its user better help than wells fargo please help thank you in advance
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The TransUnion and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$510.00}
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
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. 

Account names shown below along with part of the account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts have 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. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX ... Transaction made to my account ... {$1300.00} XX/XX/XXXX ... Transaction made to my account ... {$130.00} XX/XX/XXXX ... Transaction made to my account ... {$470.00} These were not authorized by me ... explained to several Chase representatives multiple times of concerns that my account has been compromised..For days I was shifted around from one Rep to another ... different Titles..all passing responsibility concerning this matter to someone else ... I 've been put on hold for more than 30 minutes at a time only to be hung up on ... My account was abruptly closed ... this indicated to me that they found something, but, did not share with me ... many days later they returned what was left of my money ... which was substantially less than my estimation, making me aware that other illegal transactions were made to my account ... I received absolutely 0 assistance getting to the bottom of this matter from Chase no matter how persistent I became ... I trusted Chase with the funds in my account and they chose to discard me when I rightfully asked for help ... Devastating ... ....
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

On or about XX/XX/2018 I changed the terms of my loan repayment ( I made it such that I was able to keep making payments at around {$120.00} for the next two years as I had been doing already rather than having the payments increase ). Since then, Navient has called and emailed me constantly telling me my loan is due. I make my payments timely ( they are automatic ). I've made 3-4 requests to the company to opt out of communications but they ignore my requests. I feel this is harassment to continuously contact me when I am already making timely payments. The dates Navient has contacted me include : early-XX/XX/2018 - via phone : automated recording ( I have an " important message regarding my loan ''. When I called Navient told me I had an upcoming payment. My payments are due on the XXXX of every month ).

XX/XX/18 - via email - " We haven't received your loan payment - please make it soon '' ( again, my payments are due on the XXXX of every month ).

XX/XX/18 - via email. " Thank you for your payment, it posted to your account. Amount is {$120.00}. '' XX/XX/18 - via email. " Your student loan payment is due. Your last payment was made on XX/XX/18. We're sending you this payment reminder. '' I called Navient in or around late XX/XX/XXXX requesting to opt out of all communications. I spoke with a woman who told me that I wouldn't receive any further communications.

XX/XX/18 - via email. " We haven't received your loan payment - please make it soon. '' The email explains ways that I can pay.

XX/XX/18 via phone : automated recording ( I have " important message regarding my loan ''. When I called in a male rep told me I had an upcoming payment. When I asked to speak to a supervisor I was on hold for 30 minutes, got hung up on and no supervisor ever came.

XX/XX/18 - via email - " We've sent you information about your loans that are past due. '' XX/XX/18 - via email - " Thank you for your payment. Date posted XX/XX/18, {$120.00} ''.

XX/XX/18 via email - " Your student loan payment is due. Your last payment was made on XX/XX/18.

XX/XX/18 - We haven't received your loan payment, please make it soon. '' XX/XX/18 - Called Navient and spoke with a male customer service rep. He confirmed my account is current and not overdue. I told him about these issues and he advised he is taking me off the email and phone lists. It wasn't done before.

I want to ensure moving forward Navient actually removes me from their lists and I won't be harassed by Navient in the future for payments on my account since my account is current.

Thank you for your help.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A collection was placed on my credit report couple months ago, after calling the collection company I found out that an account in New Mexico was opened at a gym, Ive never ever been to New Mexico. I also found out that there were other fraudulent activities on my report. Ive filed Identity fraud theft at my local police department. I see that there is more inquiries on my credit report that I have no knowledge of. Inquiries from XXXXXXXX XXXX XXXX XXXX. I have no knowledge of these inquiries. Ive since placed a fraud alert on my report. There are XXXX inquiries that I dnt recognize. Also student loans reporting that is not mines. An address in New Mexico is being reported as my address, Ive never lived in New Mexico.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit card

I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the superlative RM in XXXX XXXX, keep calling and text me about debt I do not owns them, after I blocked them they keep text me, want me to called them. the number they try to call me XXXX, when I log on to my SSI I acount, it shows on there I do not have open account that is collection.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Wrote a letter asking for my signature or my consent for them to pull my credit, run and inquiry ( me apply for a loan from their company. No reply no response.