23daVinci/CFPB_Complaints huggingface dataset:
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

( Chase XXXX XXXX. XXXX ). My son is a Chase Bank customer. His rent check dated XX/XX/XXXX to his landlord for {$1300.00} was stolen from the mailbox and cashed by the criminal on XX/XX/XXXX at XXXX XXXX. Chase deducted that amount from my son 's account. My son reported this to Chase and filed a claim in XX/XX/XXXX with all the required info. Chase told him several times in XXXX that it would take 60-90 days to get his money back into his account. Since then, Chase has done nothing but give us the run-around, and to date still has not reimbursed my son 's account. Chase claims it is XXXX XXXX 's responsibility. Around XXXX XXXX, I called Chase again after no response or resolution in over 5 months, and Chase promised they would " escalate '' it internally and be " on top of it. '' But nothing happened. On XX/XX/XXXX, Chase mailed my son and claimed again it was XXXX XXXX 's responsibility and that they would close the claim if XXXX XXXX does not respond. I spoke to Chase several times in the last 2 weeks, and they again promised to escalate it. Nothing happened. On XX/XX/XXXX Chase told me that they are waiting on XXXX XXXX. Meantime, I have spoken to XXXX XXXX and they tell me it is Chase 's responsibility. It has been now nearly nine months and my son still has not been reimbursed the {$1300.00} stolen out of his Chase account.
Product: Money transfer, virtual currency, or money service

I opened a venmo account around XX/XX/XXXX. I managed to make a payment with no problems using PayPal. To my understanding, PayPal is no longer a trustworthy and/or unreliable company, I decided to link my XXXX  account with venmo. Ever since I made this transaction I've been having serious problems with : adding/removing my funds from venmo. Every time I made an attempt to add money, it stated that an error was made. About a week or two I received an email from venmo letting me know that I've been restricted from using venmo, without any explanation. I finally figured out how to add money into venmo, after so many attempts and disregarding the above message, I decided to add {$400.00} dollars in the account. Now my venmo account is frozen and I can't find any way to withdraw the funds or transfer them to a bank. 
In other words, I can't take the money out my venmo account or transfer it to another account. What can I do to resolve this issue?
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : ( 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 Equifax 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Bank account or service

I used to sell my family 's older XXXX on eBay, and insist on using Paypal as a payment method. In XXXX of 2013, I sold XXXX such device to a user in XXXX. I 've successfully sold across the globe with no issues. After almost a month this particular user however, decided to initiate a damaged device claim against me via Paypal. In accordance with Paypal 's rules, I instructed the buyer to return the device, at which time I would refund his amount. The buyer, who turned out to be a scammer, sent a box to an address XXXX zip codes from mine with an incoherent recepient ( XXXX instead of XXXX ). The Post Office would not release the box to me as my neither name nor address was on the ship to address. I contacted Paypal, who explained that they had already released the funds to this scammer ( in violation of their own terms, ) and insisted that I pay the negative balance of {$370.00} in my account. I explained to them their mistake, as I had not received the unit and this was a clear violation of their terms. I spoke to XXXX representatives of the company over XXXX month, at which time they closed the dispute. I was then instructed that I needed to pay the amount ( {$370.00} + approx {$50.00} for shipping ) or I would be sent to collections. Seeing no choice as my credit rating was being held hostage. I complied. I did not know this Bureau existed or I would have immediately opened a claim/case then.
Product: Mortgage

I bought my a condominium in XXXX at a much inflated rate and agent of Wells Fargo Bank suggested a program to finance my home. It has been financed in XXXX loans - XXXX XXXX year ARM and another XXXX years conventional fixed mortgage. Later I came to know none of these are financed by any of federal agencies - XXXX XXXX or XXXX XXXX. When house price collapsed, my home price lost its value. I could not lower my monthly payment by refinancing. I approached Wells Fargo Bank several times to lower my interest rate as was done by my XXXX lender, XXXX. In all circumstances I was turned down because of my negative equity. WFB did not qualify me for any of the HUD programs. I kept paying at higher rate but keep losing money in interest as well as ability to move out of bad debt without declaring foreclosure.
Product: Checking or savings account

On XX/XX/XXXX, I signed up for a Citibank Priority account with an advertised bonus of XXXX AAdvantage miles for 1 ) spending {$750.00} with the Priority debit card and 2 ) making two consecutive bill payments within 60 days of opening the account. On XX/XX/XXXX, with 6 days left to spare for me to complete my requirements, I chatted with a Citibank representative who specifically confirmed that I had completed all the necessary requirements and that the miles would be deposited to my associated AAdvantage account by XX/XX/XXXX. After the miles were not deposited by today, XX/XX/XXXX, I spoke with a gentleman over the phone who said that while I met the {$750.00} minimum spend, my bill payments for XX/XX/XXXX did not qualify as the correct type of bill payment needed to satisfy the bonus requirement. 

Had the representative I spoke with on XX/XX/XXXX given me the correct information, I would have still had 6 days left to complete " the right kind '' of bill payment that the gentleman today was referring to. Instead, Citi confirmed that I had met all the requirements and that no further action was needed, only to change their position today. 

I have attached screenshots of the entire chat from XX/XX/XXXX below.
Product: Checking or savings account

My bank closed my account without providing a valid reason. I have not engaged in any suspicious or prohibited activities, and my account was in good standing. 

Furthermore, the bank failed to provide prior notice of the account closure, which is a clear violation of their terms and conditions. The sudden closure has caused significant inconvenience and financial disruption. 

Despite my repeated requests, the bank has not given any detailed explanation for this action, leaving me unable to address or understand the cause. 

The closure of my account also resulted in my inability to move funds, which caused me to miss critical stock market transactions. As a result, I incurred significant financial losses due to the bank 's actions, which could have been avoided if my account had remained active.
Product: Credit card or prepaid card

In XXXX I payed my statement balance on XXXX which was normal and no problems at that time then on XXXX I payed the balance again because I was going out of town and wanted to stay ahead of the game. Later on in the month of XX/XX/XXXX my card was declined so I call Capitol One to inquire as to why the charges would not go through well after an hour of XXXX about fraud they said my card payment was past due so I explained how I had payed the balance twice in XX/XX/XXXX and that it was a 30 day revolving card. Well come to find out my statement had not cycled until XX/XX/XXXX and there were a total changes of XXXX that had come through on the XX/XX/XXXX so my account was past due. I have been a customer for 17 years and have always payed my bill on time. They charged me XXXX in intrest on XXXX and the account should have never been classified as past due! This is hwy robbery and poor business practice at the very least all attempts to resolve have failed the people I talked to have such heavy accents they were very difficult to understand as well. I will be shutting down my card as soon as i can use my XXXX points. 
Given the fact this Bank is responsible for the largest data breach ever it is apparent that they are crooks as well.It is time large banks such as Capitol One be held responsible for there poor business practices and I hope this complaint starts the process. This is totally unbelievable. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, 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 items 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 : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

typical idenity theft, someone stole my personal information and i need to make things and correct the errors on my credit report.
Product: Debt collection

I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY TOYOTA MOTOR CREDIT CORPUSD XXXXI DO NOT OWE ANY MONEY TO TOYOTA. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
Product: Student loan

I received notification from Nelnet in late XX/XX/XXXX, that I have 2 student loans scheduled to be dischared in early XXXX due to my permanent XXXX. ( XXXX XXXX sustained and approved for XXXX in XX/XX/XXXX ). The issue is these loans were permanently XXXX in XXXX. I have the paperwork from XXXX, indicating the loans were paid in full by the guarantor, dated XXXX, as well as the letter from the US Dept of Education, Federal Student Aid dated XX/XX/XXXX confirming the loans were discharged.

I contacted Nelnet on XX/XX/XXXX and was told that they mainta a database and that is where the information is listed. They were not able to confirm where the info loaded into their database comes from. They were not able to provide any further assistance. I contacted the US Dept Ed on XX/XX/XXXX and was told that they weren't able to assist as they don't manage Nelnet content and since the loans were dischared from the Federal Student Aid Dept I would have to contact that division. The representative did provide an email of XXXX to notify and get direction. I sent an email and never received a response. I contacted Nelnet again on XX/XX/XXXX and was told I would receive a letter and that apparently the student loan database was not updated. I received no letter. I contacted NSLDS on XX/XX/XXXX who sent me to the Federal Student Aid Loan discharge and cancellation department who advised me I should contact XXXX as they were the loan provdier before Nelnet. I have the XXXX coupon book and account info originally provided to me. I contacted XXXX on XX/XX/XXXX and was told to send an email to XXXX for assistance. 

I received a response from XXXX on XX/XX/XXXX indicating there is no account listed under my name with the last XXXX digits of my SSN. They directed me to the NSLDS website to search for a history of my federal student loans. I was instructed to login with an FSA ID and password or create one. I have tried multiple tines over the last several months to access https : //nslds.ed.gov as instructed and the site never loads. I have tried different deviceds and always receive an error/Not found message.

This is extremely frustrating as we have everything in hand to confirm these loans were discharged through proper channels back in XXXX after having initiated the process in XXXX. I can't get anyone to take ownership of resolving this issue and the several institutions I have connected with can't even find my information. 

I sent a certified letter to the US Department of Ed on XX/XX/XXXX including this content/timeline and all copies of the various historical letters. The instructions in the latest Nelnet letter I received on XX/XX/XXXX ( letter explaining the post discharge monitoring period requirements change ) " how to contact us '' section of the letter. To date I have received no response. 

My wife handles the phone calls for me as I am XXXX  as a result of my XXXX XXXX It is easier for me to communicate in writing/email. I don't know how to get this resolved and confirm that there are no active loans and ensure I am removed from this entire process.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply told them its not mine..Im a victim of fraud
Product: Student loan

I tried to put my card down for my payments and it went through then I went to XXXX to see my grandma for a month and the card was not saved and the payments were made. I call navient and I get a machine and I tell the robot send me to customer service and it doesnt. Navient calls me and I get a representive they say they will send me things about lowering my payment or that I qualify to make zero payments but they never do. This is very frustrating because they are ruining my credit and i dont have any money I am looking for a job and i only have money for food.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Reporting act Santander acct # ending XXXX, SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This creditor has reported to XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I submitted a CFPB complaint in XX/XX/2019 that FedLoan was not providing any information to me about how many qualifying payments I had made for PSLF ( at the time, FedLoan was saying I had made 0 qualifying payments and would not update my records, despite my making payments and having employment certifications covering over five years ). In response, I received a letter from FedLoan dated XX/XX/2019, that said I had made 42-43 qualifying payments. At least 18 payments are missing from this calculation. I asked FedLoan for information about what payments it deemed to be qualifying and not qualifying, as previously a FedLoan representative had told me that FedLoan was not counting any payments that I had made to Navient ( the previous servicer ) as qualifying, because XXXX had not provided payment information to FedLoan. FedLoan told me in XX/XX/2019 that it would take 1-3 months to send me information about what payments it deemed to be qualifying and not qualifying, and the basis for the " not qualifying '' payments. I still have not received this information, and my qualifying-payments calculation is still missing over 18 payments.
Product: Debt collection

A letter was sent to an address that is NOT mine, I am only just hearing that I owe this debt and consider it completely invalid since they couldnt even bother to find my address. This debt is not possible for me to have considering that the account they were talking about is CLOSED.