23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Request a dispute against XXXX on XX/XX/2024 upon trying to resolve a flight arrangement and rental car appointment. I selected a completely different flight! My flight was set for XX/XX/XXXX from XXXX XXXX : am ( XXXX hour layover ) and return XX/XX/XXXX XXXX XXXX am. The information first submitted by XXXX confirmed the dates on XXXX XXXX XXXX. However, on XXXX I received a booking from XXXX XXXX that leaves me in XXXX on XXXX for over XXXX hours ( I have XXXX XXXX  ) and arrives in XXXX XXXX XXXX pm and the rental car agency closes at XXXX : pm leaving me stranded in a foreign country. The route back to XXXX drops me off in XXXX at XXXX am overnight and I will not arrive to XXXX UNTIL XX/XX/XXXX! XXXX states that I should have looked at my itinerary to cancel within XXXX hours! The iteniary sent lists the date of return on XX/XX/2024. 
Since my last speak with XXXX, they have replaced the misleading confirmation with a detailed one. The latter would have immediately allowed me to cancel this flight reservation. As of today, XXXX, XXXX states that it will not alter the flight or rental car reservation. I must request Best Buy to not " honor '' such a transaction and to do so in a timely manner!
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/year> Social security administration erroneously reported me deceased by a mistake made by an employee at the social security administration. Since this mistake with the social security administration every one of my credit cards except for 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) closed and charged off immediately following of this reporting of me being deceased as I was current on all my payments and was false closure and charge off my credit cards. These credit cards are with XXXX XXXX XXXX  card ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  claiming on all accounts timely payments were not made which is in fact untrue as all these credit cards were closed not allowing me to make my timely payments as of XX/XX/year> when I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was current on all these credit cards listed above prior to closing of accounts as of XX/XX/year>. I have called Midland credit management on numerous occasions requesting a dispute with no response to my dispute. These were also referred to their attorney for further collection/legal action to XXXX XXXX XXXX and I called XXXX and requested also to dispute these collections on all 3 credit cards as it was current due to closing of cards and was violating my FACTA and FDCPA rights for not reporting true and accurate information about my debts and was wrongfully charged off with the original collections. I have begged and pleaded to dispute and seek resolution on these debts with Midland credit management and XXXX XXXX XXXX on numerous occasions and now I am with an legal judgement on these with no right of disputing these claims. I have since recently retained counsel with XXXX XXXX XXXX and was advised by counsel to attempt to seek resolution by filing a complaint through CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Student loan

I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX XX/XX/XXXXAccount # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$13000.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XXXX XXXX, 2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Experian, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am unable to obtain credit from this bank. I am trying to finance a car and the dealer was told that my name is blocked in their internal system. I remember that this same bank closed by checking account out of nowhere and never told me why. I tried to call and ask about why my account was closed and they told me that they would not give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a XXXX XXXX about XXXX years ago I was in a XXXX XXXX XXXX XXXX just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have XXXX inquiries on my credit report that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I recently reviewed my credit report I noticed an abundance of information being reported by Transunion to other entities without my knowledge or consent. I can't apply or even do anything with my credit because of this falsified report from Transunion in which I have no partnership or affiliation with. They are purposely fabricating falsified reports against me hindering me from further extending and using my rights to credit. They have violated my consumer rights under both 15 USC 1681 & 1692.
Product: Credit card or prepaid card

They wouldn't give me my money back after I submitted a dispute an claim
Product: Credit reporting or other personal consumer reports

Following the recent investigation, I disagree with your findings and seek complete accuracy. It appears the creditor reporting this information was not adequately contacted. I need more details about the following accounts : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Debt collection

I sent dispute letters to this collection company in XX/XX/2023 and XX/XX/2023 and they did nothing to resolve this matter. I do not own this debt.
Product: Mortgage

Our home was foreclosed on around 2006 and Wells Fargo sold it almost immediately. They never told us it was in foreclosure and did not give us the opportunity to sell it ourselves.. We tried to refinance the home prior to this event. Wells Fargo said everything looked good. When I tried to send in the cash for the refinance Wells Fargo told me to go to the courthouse and pay it there. In the courthouse is where I found out my home was being foreclosed in front of everyone in that court room. I never had the opportunity to keep or sell my house. Wells Fargo profited XXXX. Or more from my house the difference in the amount owed to their sale price. We never saw any of that money. Nor was my foreclosure reported to the credit bureau!!!! when I called them to ask why I was told by a female employee named XXXX that she made that decision to foreclose as a kindness to us. There was a woman at my door within a couple of days named XXXX XXXX to evict us giving us three days to get out. I tried to see a lawyer named XXXX XXXX here in my home of XXXX Texas. He told me Wells Fargo was a huge wealthy company and that there was no way I could ever win anything against them. He would not help me. We were left homeless and very very traumatized and personally heartbroken to loose our land and tge home we built on the land thaf we previously owned.
Product: Credit card

I applied for a AMEX Card on XX/XX/2016, I was notified on XX/XX/XXXX that my application was cancelled reason given- The reason for our decision is that you have reached the maximum number and type of Cards that we will approve within the period of a few months. Please know that your prior application ( s ) has been approved and your Card has been sent to you. 
I never applied before XX/XX/XXXX, I called AMEX and was told they only have XXXX application and it was cancelled. They also informed me that I do not have an AMEX Card. They are not able to tell me why they have stated the above in the letter they sent. They suggested I permit them to " Re-Underwrite '' the cancelled application. I do not understand this approach, as this would negatively impact my Credit Score ( XXXX inquires from AMEX within a week ).
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.

This accounts and Inquiries has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit act Radius Global SOLUTIONS LLC has violated my rights. 

15 USC 1681 SECTION 602 I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT AN OPEN END CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE.
Product: Money transfer, virtual currency, or money service

I was scammed and I tried to get the money back, but they said they can not do nothing about it.
Product: Debt collection

I have received a notice from my bank ( XXXX ) placing a hold on my account. They claim that they received a levy legal order from IN UNited Collection Bureau Inc for an amount of XXXX dollars.. My debtor address is given in the notice as XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX IN XXXX. The legal order was received according to XXXX XXXX. 

Since I have never lived at that apartment or have not lived in XXXX for the last 6 years, I have no idea what this notice is. There is no Credit charge on my account. I called up the Apartment and they told me to treat it as a fraudulent address as well saying that some person named XXXX lives there ( who I have no clue about ). This is clearly an identity theft issue. 

My bank says that if they do not receive a release order by XXXX XXXX, they will be forced to pay XXXX dollars to this account. Please help.
Product: Debt collection

after living in a complex for 12 years, I made them aware that i was in the process of purchasing a home, i gave the proper notice of intent to vacate. upon doing so at the time i was turning in my keys i asked to do a walk through and gave my forwarding address and at which time the asst mgr stated he didnt have time to do the walk through. after i had moved out a year never received no correspondence pertaining to if any charges, upon checking my credit report after a year, i noticed a charge of XXXX for apt complex, i disputed it with the collection agency as well sent the complex notification and they sent a print out of what they said was owed which drop from XXXX to XXXX i then proceeded to ask what happened to my security deposit that was kept in an intrest bearing account, i asked them to calculate how much interest did it earn and give me a break down of such. after i sent notice to dispute, they contacted my Son sending him the same document with my name on it stating that it was his debt and placed the same amount on his credit report as well.
Product: Credit card

Hello! 
Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was grossly mislead by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XX/XX/2019 and after two payments totalling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my 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 date XXXX, XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect a current status to help protect the integrity of credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.
Product: Checking or savings account

Hello, Im XXXXXXXX and Im submitting a complaint regarding fraudulent charges on my debit account with Bank of America. Approximately {$16000.00} was taken out of my account through multiple XXXX purchases that were not mine. The charges started on XX/XX/XXXX through XX/XX/XXXX and just to clarify, I did not lose my physical debit card. Bank of America failed to mark these as suspicious activities and did not send me any alert. I noticed because I typically audit my statement twice a month. I called BoA and they have closed my debit account. They are currently working with the merchant ( XXXX ) to investigate the issue. I have also filed a police report to XXXX XXXX. Please see the incident report attached.