23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My car was a total loss in an accident XXXX. Prestige Financial accepted the payout settlement from essurance for {$3100.00}. Prestige still falsely charged off {$4300.00} even after we were under bankruptcy protection. I have written Prestige directly and disputed their claims on all XXXX credit bureaus without success. If this does notget resolved our next plan of action is to seek legal counsel and damages.
Product: Credit card

please see the documented images from apple goldman sachs, myself, apple, and the merchant admitting i paid in full. they keep not supporting my dispute in my favor saying i still owe {$430.00} back to apple when the merchant already received it in full.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Had been out of work due to the COVID and synchrony bank received two payments from an old bank account and they did not clear I was unaware that they had closed the account until one month later I called and I wrote them and I was told there is nothing I could do prior to that I was always on time and never late
Product: Mortgage

After working with Wells Fargo for over 2 months on this issue I have just been told that the resolution for the issue is for me to contact the condo association and request a refund to Wells Fargo from my XXXX account on their behalf even though they made the payment in error based on incorrect information given to them by the condo association. At the time that wells fargo made the payment in error the account had been paid in full and kept cuare n't to this point today. I provided Wells Fargo the documestation verifying the payment and the day It was made which was Approximately two months prior to their payment that they made based on Inaccurate information received from the condio association. I feel that the given resolution by Wells Fargo is completely unsatisfactory. I feel that the responsability to ask for a Refund from the condo association should be done by Wells Fargo since they made the payment in error based on incorrect information from the condo assocpatient. I feel that I am not responsible for their mistake. Therefore I should not be responsible for requesting the refund wells fargo from the condo association. In addition to this complaint I would like to request any information I can get on on any regulatory agency that can assist further with this issue. These CFP B complaints have not been effective in getting Wells fargo to fix the mistakes they have made so I would like to escalate the issue to a higher authority Than the c f p b to get a satisfactory resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, REGIONSBANK, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, REGIONSBANK, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, NAVIENT has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : -XXXX  XXXX, {$720.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C. 1681 section 602 A. states that have the right to privacy.

15 U.S.C. 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2020, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,
Product: Credit reporting or other personal consumer reports

They over charged me consistently I call and talk to them they continuous overdrafting my account they took more money then what was agreed upon signing up with them
Product: Student loan

I XXXX of 2015, I called Sallie Mae to get an issue with a form squared away. My employer, the XXXX XXXX, offers a loan repayment program and Sallie Mae had not filled out a form that I sent them in XX/XX/XXXX. It had been 5 months. Because that issue was addressed, I paid form XXXX of my loans to be deferred until my form went through. The Sallie Mae employer told me the date that repayment would begin, XXXX XXXX, and played by the consent recording, where the date was played again, XXXX XXXX. I agreed and paid the {$50.00}. 
On XXXX XXXX, while trying to refinance my loans, I was told that my loan was in delinquency status because a payment was due in XXXX. I pushed the Sallie Mae employee on why this was changed without notifying me and that I and my XX/XX/XXXX account manager set up a XXXX XXXX deferment pay date. She flippantly apologized for the mix-up, but stated that she could n't do anything to fix it. She said that she would notify her superiors. That employee 's name is XXXX XXXX. 
On XXXX XXXX, I called Sallie Mae again, and the employee I spoke to actually reviewed my account and noticed that there was a mistake, and said that it would be fixed. It has not been fixed. And my loan refinance provider requires a statement from Sallie Mae where my loan is not in delinquency status. And if Sallie Mae had not made their error, I would not be in delinquency status because I would be in deferment. But because they made their error and refused to fix it, I now have to pay for XXXX payments to get out of delinquency just to refinance my loan ( rather than pay for none ). And my fear is that Sallie Mae will continue to drag this process out until it is past my agreed upon ( XXXX XXXX ) deferment date, and then say, " Well, it 's moot now, '' and force me to pay before I can refinance my loans. 
This is the quintessential definition of fraud, a deliberate deception and unwillingness to rectify an error in a timely manner until it is too late. I was played the recording which stated XXXX XXXX. I was told XXXX XXXX. I agreed to XXXX XXXX. And then suddenly, without notice or warning, my deferment date was changed to XX/XX/XXXX. Which is why I am trying to refinance my Sallie Mae loans to leave their awful service. But I am being forced to pay the {$850.00} as ransom because THEY made an error and refuse to fix it within the agreed upon deferment period.
Product: Credit card or prepaid card

Bank of America Credit Card - On XX/XX/2020 at about XXXX from California , I paid my credit card bill through the automated phone system. The automated system recorded the payment as being made on XX/XX/2020. I live in California. Bank of America 's phone system records interactions in East Coast Time. They are fraudulently collecting late fees from two-thirds of the country by recording payments in East Coast time. Bank of America 's late fee policy is applied unequally based on the time-zone of the customer 's calling location and is an unfair business practice. Customers in Central and Pacific time zones have 120 to 240 minutes less to make a payment before being charged a late fee. It's unreasonable, it's not advertised, it's absurd. On XX/XX/2020 I spoke with a Bank of America representative to dispute the late fee and to dispute the practice. First she stated " your payment was made on XX/XX/2020 at XXXX XXXX XXXX and is due on XX/XX/XXXX ''. I told her I made it at XXXX Pacific Cost Time. She told me the system recorded it in East Coast time and that I was in the wrong. She told me if I'm on the West Coast then my payment is due at before XXXX East Coast, on the first of the month. I told her this is not advertised, the automated system only says it's " due on the first ', and that it's an absurd and unfair practice regardless. I said I've filed a complaint with the FTC ( Error - I filed a complaint with the Federal Reserve Board ). She immediately refunded the late fee. She said there was no confirmation number for our transaction and she couldn't send me an email verification. I am complaining about the practice, it's unfair, Bank of America is fraudulently collecting late fees, and it is recording the time of calls in error so that many customers may be confused or outright lied to when phone center staff are insisting phone calls came in hours differently than when the customer called. It's possible this system is also generating fraudulent fees for the bank and disadvantaging customers with other financial products as well.
Product: Credit card

Earlier this year I turned American Express into the XXXX ( complaint XXXX ). On XXXX, XXXX incorrectly told me I had an offer from American Express to upgrade my XXXX XXXX card. If I spent {$1000.00} in 6 months ( by XX/XX/XXXX ) I would receive {$150.00} statement credit. I immediately starting spending on my XXXX XXXX card. When I received the paper copies of the offer on XXXX, the offer was on my Blue Cash Everyday card, NOT my XXXX XXXX card. Hence, none of the purchases I made counted toward the {$1000.00}. I called and asked to speak with a supervisor. XXXX said there is nothing she can do. I called back on XXXX and asked to speak with a manager. XXXX again said that there is nothing she can do. So, I turned American Express into the XXXX I received a letter dated XXXX confirming the error ( If you need a copy of the letter, please let me know. I am not sending it with this, as it has both of my account numbers on it ). On XX/XX/XXXX, I spoke with XXXX XXXX ( XXXX x XXXX ) from the executive office of American Express. She said she would extend the date to XX/XX/XXXX to spend the {$1000.00} and receive the {$150.00} statement credit, as my first month of spending was on the wrong card. I spoke with her again on XX/XX/XXXX to confirm the offer. I spent the required amount before XX/XX/XXXX, and called her and left messages on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As of today, I have not received a return call from her, nor have I received the promised {$150.00} statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my Student Loans they show I have XXXX Loans but I only have XXXX loans which I verfied on XXXX. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the Student Loans are XXXX XXXX XXXX and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over 35 points since XXXX due to none payments on my Student Loans. Yet all student loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.
Product: Debt collection

I been having problem with XXXX for a very long time they charged me for an extra phone messed up my bill then overcharged me on multiple different occasions trying to get me to pay for things that I didnt have it pay for.One moment my bill would be XXXX $ then out of nowhere raise to XXXX $ after after a single day.This all happened around the month of XX/XX/year> after I tried to call them about the extra phone they had put on my bill.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
The accounts i want to delete are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX