23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collections USA INC XXXX, AZ XXXX Subject : Dispute of Unknown Charge on Credit Card Account To Whom It May Concern, I am writing to dispute a charge on my credit card account that I do not recognize. The transaction in question is as follows : - Transaction Date : XX/XX/year> - Amount : {$190.00} - Description : Unknow/Fraud I have thoroughly reviewed my credit card statements and have confirmed that I did not authorize this charge. Therefore, I am formally requesting a full investigation into this matter and asking for the immediate removal of the charge from my account.

Please provide me with all relevant information regarding this unauthorized charge, including any supporting documentation that may have been provided when the transaction was made. Additionally, I request that you provide me with regular updates on the status of the investigation.

I kindly ask for your prompt attention to this matter and the resolution of this dispute as soon as possible. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

Thank you for your prompt assistance in resolving this issue.
Product: Credit card

My APR on my credit card went from XXXX or so to XXXX %. I emailed them and let them know that this is predatory and I needed to find out what I needed to do to get it lowered, and they said nothing. Theres nothing I can do. XXXX XXXX APR on a credit card is absolutely, unheard of.
Product: Credit reporting or other personal consumer reports

I have on going identity theft issues where someone or some group is using my information to try to obtain lines of credit and loans. I have tried to get Transunion, XXXX and XXXX to remove this false info and It has been a struggle. The below items are all inaccurate because I did not authorize or provide my information for a hard inquiry to any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been with Fifth Third bank for many years and never had this problem. 
On XX/XX/2023 I put a deposit into my account of {$7500.00} of XXXX XXXX. 
The deposit cleared XXXX also on the XXXX. 
On XX/XX/2023 I put another deposit in the bank of {$6300.00} XXXX  days later when checking into my account the deposits were there but the funds were not available. 
I went to the bank and they told me that the funds were marked as inefficient and would take a week to be good. I asked why and they said that it was because I put them in their ATM attached to the bank. I told them that I have been doing this for years and they said they could do nothing.I asked why no sign on the ATM about this with no answer. They said if I wanted this not to happen again to come in to the inside teller window. 
The cost of interest I had to pay on my bills because of the delay was not wright The bank should at least put a sign on there ATM informing customers of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the creditor multiple times and never received a response regarding the late payments being reported by them on my credit report. The credit bureaus have validated the late payments but no one is providing me the validation
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS.

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Mortgage

I became XXXX in XX/XX/XXXX they Ocwen should have given me a forbearance. They refused. And my wife passed in XX/XX/XXXX which a clause in the loan had mortgage insurance for payoff and they denied it.
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX, I attended XXXX XXXX, where I was misled into taking out student loans that now total {$78000.00} across 12 different loans. Throughout my time at the school, XXXX XXXX provided inaccurate and misleading information regarding the cost of education, the availability of scholarships, and the future earning potential of graduates. 

The school encouraged me to take out multiple loans without fully explaining the long-term financial impact or offering viable alternatives. They assured me that the education I received would justify the debt and lead to significant career opportunities and income. However, the reality was far different. The quality of education and the career services offered did not match the promises made during the enrollment process. 

I repeatedly reached out to the school 's financial aid office to better understand my financial obligations, but I was either provided with vague responses or reassured that everything was standard procedure. I now find myself burdened with a significant amount of debt that I can not reasonably repay, given the education I received and the job market I encountered upon graduation. 

I believe XXXX XXXX engaged in predatory practices by not fully disclosing the true costs and potential outcomes of their programs, which has resulted in this substantial financial hardship.
Product: Mortgage

On XX/XX/XXXX, I checked my account with Rocket Mortgage ( RM ). I noticed that there was a change in my payment of {$91.00} for my next payment. I did not receive any correspondence either through the mail or email. I called RM for some clarity and left my name and number asking to speak to someone about the change. On XX/XX/XXXX, I went to the website and made an inquiry. I followed up with an email on XXXX and XX/XX/XXXX. Today I received an email telling me that an escrow analysis was complete and that they would send it today. I received a notice that the analysis was completed and the website was back dated to XX/XX/XXXX. The terms of my mortgage stated that should the escrow account be deficient, the Lender would notify the Borrower and actions should be taken to restore the account to an acceptable level. The Borrower did not follow the process and change the amount against the conditions of the mortgage. This is the 8th month.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " XXXX XXXX XXXX. '' Please conduct a thorough investigation and update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my credit bureau which is the result of identity theft, it is for {$130.00} and placed there by something called the XXXX XXXX. I filed an identity theft report with the FTC, reference number XXXX, and tried to dispute on-line. Experian 's on-line website will not allow-it requires calls for all claims of identity theft. I called the number, it is Experian 's general number, has no prompts related to ID theft, and after working my way through its menu and a 15 minute wait, I finally reached an individual because who was supposed to be able to handle a dispute but this person was not empowered to handle an identity theft claim. This rep, after asking me for my private information, transferred me to the Fraud department where I have been on hold for over 15 minutes now and have had to listen to repeat ads about how if I pay for Experian 's ID theft service I will get a dedicated person to help me. This is wrong. I just want to file an identity theft report. I have a legal right to do so. Experian should not be allowed to place so many hurdles in the way!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

Please be advised that this is my XXXX WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I XXXX be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. 

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your Willful disregard of XXXX XXXX. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and XXXX will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of XXXX { a } { XXXX }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of XXXX XXXX and evidence of your willful disregard of the law. 

Please be advised that under Section XXXX { XXXX } { A } of the XXXX are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section XXXX & XXXX } if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account XXXX Account NameXXXX XXXX_________ Date XXXX Account XXXX Reason for dispute__XXXX XXXXXXXX Account Amount__________ Account Name XXXX MORTGAGE Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account Amount_ XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions also contrevene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Back in XXXX of XXXX  I had XXXX transferred from my account into different people account while my phone was stolen. Had many claims through Zelle and XXXX XXXX to try to retrieve my money with no avail .. even showing the stolen phone report from my phone company stating I didnt have my phone at the time of said transactions
Product: Student loan

XX/XX/XXXX payment of {$340.00} not credited until XX/XX/XXXX. 

XX/XX/XXXX payment of {$800.00} representing 2 months of payments not credited against loans until XX/XX/XXXX. That payment was only applied to 1 out of 3 loans rendering the the 2 loans even more delinquent. 

XX/XX/XXXX payment of {$350.00} ( exact amount on statement ) was told oncall that day that it payment should be posted with in 2-4 business days. As of XX/XX/XXXX, not posted. 

All Payments were sent via XXXX XXXX from XXXX XXXX. Payment instructions were checked multiple times. Proof of XXXX and XXXX payments were uploaded to Mohela portal XX/XX/XXXX. 

ON at least XXXX occasions, calls made to Mohela with a minimum of XXXX hours in hold and research time with no answers. 
XXXX hour XXXX min XXXX XXXX hour XXXX min XX/XX/XXXX multiple calls totaling over XXXX hour XX/XX/XXXX XXXX hours XX/XX/XXXX XXXX minutes XX/XX/XXXX -hung up after XXXX min hold XX/XX/XXXX XXXX hour XXXX min XX/XX/XXXX XXXX hour XXXX min XX/XX/XXXX XXXX calls totaling over XXXX hour. 

With each call, it took numerous phone tree entries to get a " live '' person.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB ; XXXX ; XXXX ; AND TRANSUNION ; SEE ATTACHMENTS - I'm not sure who to talk to anymore, but i have been trying to get this alleged negative public item from my credit report, because it's unverifiable, incomplete, and has multiple inaccuracies. I actually contacted the clerk at the courthouse and attached is proof that they don't report any consumer info to the credit reporting agency. There is no way that they can say that it was verified. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Checking or savings account

At the beginning of XX/XX/XXXX, I received a letter from the Bank of the West based here in XXXX XXXX metropolitan area. It invited me to open a Premier Checking account by XX/XX/XXXX, and maintain an average monthly balance of {$50000.00} in eligible accounts. By XX/XX/XXXX, {$600.00} bonus will be credited to this Bank of the West Premier Checking account. 

I took the offer and opened a checking account and a money market & Savings account in XX/XX/XXXX. An amount bit over {$50000.00} was deposited and maintained there until the end of XX/XX/XXXX. At the early XX/XX/XXXX, I checked my accounts with the Bank of the West. There were no {$600.00} bonus credited as the letter promised. I called their customer service phone number, a woman with harsh voice told me, the bonus would n't credit to my accounts because there had been very little activities in my accounts during the said time. 

I stated that the invitation letter mailed to me only required : 1. Opening deposit must be received and deposited to the account no later than XX/XX/XXXX. 2. Accounts must be in open status and have a positive balance as of XX/XX/XXXX.  3. Bonus must be credited by XX/XX/XXXX. 4. All accounts are subject to the Bank 's standard terms and conditions and Schedule of Fees and Charges. I did n't see any regulation/demand on the letter stating that the new opened account ( s ) must have certain level of activities during the above said time in order to obtain the {$600.00} bonus. 

The woman in their customer service just irrespectively rejected my request to have the {$600.00} bonus promised by their invitation letter. 

The Bank of the West used a false advertisement to allure me to open a new account with a big amount of money deposited and maintained in it for about five months for their usage. Then just refused to execute their obligation as we both parties agreed at the beginning. It 's a dishonorable and fraudulent action. 

I am a retiree with limited income. I do n't have necessary resources to challenge their disgraceful schemes targeted on me and other people alike. 

I am submitting you my complaint herewith and hope you would take actions to make the Bank of the West to give me the credit for the bonus they offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX  Balance : {$300.00}, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

It has me having address in 2016 on XXXX XXXX and I never lived there.
Product: Credit reporting or other personal consumer reports

I did file for bankruptcy but my home was never a part of it. I contacted Mr. Cooper and they sent me a letter confirming that they had paid the previous loan. it said they were sorry if it had caused me harm. I then sent the letter to XXXX to remove and show paid off. I was never late. I just assumed it was taken care of. Only to find the dispute resolved as it was a bankruptcy. I try calling to get a person to talk to and you can't get to a person only a machine that doesn't compute. shortly after I was diagnosed with XXXX so my life turned upside down. i am doing better after XXXX. only to find my auto pay bills have a few fraud issue. So was checking my report for errors and saw this was still on there. That is hurting my credit score. I have tried to resolve with no success. Can't afford an Attorney. I am a XXXX XXXX XXXX senior trying to survive. 
Thank you in advance for your help.