23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I've got the Vanilla visa gift card of {$500.00}. It was bought and activated at store 's register on XX/XX/XXXX. Recently, I've tried to use the card, but didn't work. I realized it's already drained whole amount on XX/XX/XXXX at XXXX. I want refund but they said contact XXXX and hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND DISCOVERED  XXXX  HARD HIT INQUIRIES BY MULTIPLE AUTO LOAN COMPANIES THAT I DID NOT AUTHORIZE ON MY REPORT.I WROTE A LETTER ON  XXXX / XXXX /   2017  TO DISPUTE THEM EXPLAINING AT THE TIMES AND DATES OF THE INQUIRIES I WAS NOT SHOPPING FOR A VEHICLE AND DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. I LATER CALLED TO ADVISE THAT I BELIEVED THE INQUIRIES TO BE FRAUDULENT WHICH A FRAUD ALERT WAS PLACED ON MY CREDIT FILE, HOWEVER, THE INQUIRIES STILL REMAIN AFTER THE DISPUTE. I WANT THESE INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS THIS IS AN INACCURATE REPORTING OF MY CREDIT. PLEASE RESPOND TO THIS REQUEST IMMEDIATELY AS I NEED THIS ISSUE RESOLVED.
Product: Debt collection

This debt was the result of a billing error. I was employed by the original creditor and received courtesy services billed for free. When the servicer of the contract tried to bill me I cancelled the service. I have submitted proof of the cancellation repeatedly and still the debt continues to be claimed by third party collections agencies. I previously notified and provided proof to this claimant but they have submitted the information to my credit file and again damaged my creditworthiness and score
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see there are so many wrong inquiries on my report, it looks like identity theft case. I tried to contact Credit Bureau for that, even they are having wrong information on my identity. they asked me send my identity by submitting documents like SSN, Driver 's License, etc. I submitted everything, but there is no change in report. however they asked me to contact creditor who did inquiry. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( OK ), I called them and they are not supporting in investigation.I tried to ask them since XX/XX/XXXX, but the problem is same. I can not understand one thing that, it is wrong inquiry reported by some one else, why should I have to pay or wasting my time by calling each and every one to rectify the problem.
Product: Debt or credit management

Credit bureaus experian, XXXX, have been violating 15USC 1681 IA1, 15USC 1681IA6B3, 15USC 1681 IA 5B. I would like all of these deleted from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I signed my rental agreement and initiated XXXX domestic same-day wires at XXXX PM. The first wire, for {$3800.00} to my realtor agency, was processed within minutes. However, the second wire, for {$7200.00} ( first months rent and security deposit to my landlord ), remained stuck as processing for hours. 

At XXXX PM, I called Bank of America customer support. After waiting for several minutes, they hung up on me. I called again at XXXX PM and, after waiting for over an hour, I was informed that I would need to visit a financial center with XXXX forms of ID. To my surprise, I discovered that Bank of America had also blocked my online banking access. This was completely unacceptable, as it effectively denied me easy access to my money. 

I immediately went to the Bank of America XXXX XXXX at XXXX XXXX XXXX. I provided two forms of ID and waited for another hour, only to be put on a phone call with the XXXX XXXX XXXX. During this call, I answered all their questions, including providing detailed information about my new rental home address, the realtors name, and the landlords name. I emphasized the urgency of the situation, explaining that my landlord was expecting the funds that day. I also requested the restoration of my online banking access. 

Despite this, the bank provided no timeline for resolution, simply stating that the matter would be reviewed by Bank of America. I am deeply disappointed and frustrated. They are unjustifiably holding my funds, causing significant issues for my new home arrangements. Furthermore, the restriction on my online banking access is an unacceptable overreach, compounding the XXXXs and inconvenience. 

I demand an immediate resolution to this matter and action to prevent such incidents in the future.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/year> under the account number ( XXXX ), and ). This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all XXXX multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX XXXX XXXXy # XXXX XXXX XXXXy # XXXX XXXX XXXX # XXXX XXXXXXXXo # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a payment confirmation receipt from a debt collector, yet XXXX XXXX XXXX refuses to remove the paid balance from my XXXX XXXX report. This is the case even though I successfully disputed and was able to remove the collection from my standard credit report. Because of this, I lost money on an apartment application, and had extreme difficulty securing housing for myself and my family. 

Also, the debt collector involved, XXXX XXXX, whom I am also filing a complaint against is not licensed to collect debt in New Jersey, the state where the debt originated. They are also not licensed in my state of employment, New York, nor are they licensed in South Carolina, my current state of residence. This is according to XXXX.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics
Product: Checking or savings account

Deposit a check XXXX and hold it for 6 days until cleared thats normal. but also hold my previous funds XXXX with no right just because the activity seemed suspicious to them. I understand the time to clear the check but the previous fund they have no right to do so. 
I tried to use my debit to get my XXXX KIDS to school and it was declined. This it outrageous even if it is one cent. Is mine they have no right no hold it back from me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy. Included in bankruptcy was my mortgage from XXXX XXXX  XXXX During the bankruptcy proceedings I offered to reaffirm my mortgage with XXXX . However the courts never approved the reaffirmation so the mortgage was never reaffirmed. Caliber Home Loans  purchased the account from XXXX after bankruptcy was filed. Caliber claims loan was reaffirmed, it was not. Caliber keeps showing on my credit report that home was " foreclosure '' and " Derogatory '' and " Reaffirmed ''. Mortgage was given back to creditor through Chapter XXXX Bankruptcy. I have contacted Caliber on several occasions and have sent several certified mailings challenging their purposely wrong reporting to credit bureaus. Caliber said they don't have to prove anything and refuses to properly report. Now I just received an alert from my credit monitoring company that Caliber Home Loans, on XX/XX/XXXX, filed a court action against me as a brand new bankruptcy with them. They reported that fraudulently incorrect information on purpose to mess up my credit further.
Product: Credit reporting

FILE NUMBERXXXX REPORT DATEXXXX NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; +XXXX # XXXX this a fraudulent account listed on my credit file XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1700.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1700.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : & gt ; {$1700.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue 2 times the incorrect late payment statuses with CapitalOne ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and CapitalOne refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- CapitalOne boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from Comenity customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.
Product: Credit reporting or other personal consumer reports

To : Xactus My names XXXX XXXX Im writing to inform you that your company placed and unauthorized inquiry on my credit report on both XX/XX/year> as well as XX/XX/year> I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter that I am a victim of identity theft and I filled a complaint again to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I received my XXXX degree 1998 from XXXX XXXX, funded in full by student loans. Unfortunately, my degree didn't quite prepare me for a future XXXX XXXX XXXX, and I had to take some additional coursework in order to enroll in the XXXX XXXX XXXX XXXXere in XXXX XXXX XXXX XXXX XXXX, again adding to my growing student loan balance. Upon enrolling at XXXX, I was advised that I'd be eligible to apply for Teacher Loan Forgiveness after 5 years of teaching as a Special XXXX in the XXXX XXXX XXXX XXXX. I am sure you can only imagine my disappointment when I received a notification from Sallie Mae that my application was denied due to the type of loans I had, and the date they were taken. When I received the rejection letter I reached out to Sallie Mae and the Dept of Education and both failed to give any guidance on how to best handle the situation or to help get me on the right payment plan. No one ever suggested that I consolidate my loans into federal loans, and no one explained the type of loans. In fact the Dept of Ed suggested I might qualify for Public Loan Forgiveness which I now know that the type of loans I hold, would have also made me illegible. 

To add insult to injury I was laid off by the XXXX on two separate occasions. Feeling disenfranchised by the lay-off 's and the loan forgiveness rejection, on top of having two small kids that required me to have stable employment, I left the field. My loans have remained in deferment, accruing more and more interest. The minimum payments have not been affordable and my student loan balance is now greater than our mortgage balance. At this rate, these loans will likely outlive me. I have reached out to Navient who now services my loans on multiple occasions for help with my payment and have received virtually no support. It was only when I reached out to find out why my loans weren't receiving the CARES program benefit of 0 interest that I was told my loan type was not eligible and that I would have to apply for a direct consolidation first ( now adding more interest to the loan ). 

Out of desperation I reached out to the executive team at Navient explaining my situation in hopes that they might work with me to restructure these loans so that I can begin to pay them off and they did nothing. I also filed a complaint with the office of the Ombudsman but that was closed, only referring me back to Navient. I also emailed XXXX and have not heard back. In addition, I filled out the application for Borrower Defense as I feel I was really misled about the type of loans I have, misled about the promise of loan forgiveness, and about my career potential in the field. Given the dates I received both degrees, I think that I am outside the statute of limitations here. Most recently I discovered that XXXX XXXX  owns my loans and I reached out to them to see if they could offer any help in restructuring these loans to help with the accrued interest, given my circumstances. While I understand I took out these loans, I had no say in who owned them. I am really at a loss as to what to do here. Any help would be appreciated.
Product: Credit card

Rewards points incorrectly subtracted from account in the first quarter of 2015 on a purchase and my account has been negative in excess of over despite me continuously using my card and earning rewards. Spoke with XXXX via Discover chat who confirmed that this should have not occurred. Transcript attached.
Product: Checking or savings account

On XX/XX/2021 Simple bank accounts were migrated to use BBVAs system. During the transition, computer systems failed and locked customers out of their account. An error message stated to call a toll free number, which when called disconnected after a short while on hold. There is nobody to speak with and I cant access my bank account. It is unlikely I will be able to speak with a customer representative in the next few days as thousands, maybe tens of thousands of customers go through the same process to have their account unlocked. This is a very poorly managed transition without recourse.