23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ive fallen victim to scams on XXXX XXXX twice, losing {$250.00} and {$120.00} respectively. Despite my efforts to initiate a dispute and recover my funds, I havent received any resolution so far. The response from XXXX XXXX indicates an ongoing investigation, but its unclear whether they are actively pursuing it. Its important to note that I never authorized any transactions to those specific accounts, nor have I signed any documents related to them. 
XX/XX/2023 {$220.00} XX/XX/2023 {$120.00}
Product: Mortgage

Mortgage company sent Insurance payment to wrong address and once discovered mortgage company sent a second check. Insurance company would not reinstate due to lapse from non-payment due to admitted mortgage company error. Alternate insurance when the sourced and paid but cost over {$2000.00} annually. Mortgage company issue third check for the now larger amount. Mortgage company has credited me the {$2000.00} additional cost and also one of the two initial checks but after more than 5 months still has not credited the second check. They have re-escrowed my account costing me hundreds of extra dollars each month. Although I have gotten through to one of their supervisors occassionally it is almost impossible to get through to them and voice mails are often not returned and email address not provided. Attempts to get contact information for their Corporate Offices to bump this up the chain have been unsuccessful also.
Product: Credit card or prepaid card

I received this email from Upgrade , Inc. invite XX/XX/22. I currently have a credit card and they offered to upgrade it. No credit check, no new account, same credit card number. I decided to apply the next day. Little did I know they ran my credit and they're sending me a new credit card with a new number. All the things they said they wouldn't do. See email to below. I've also attached a screenshot of the email. 

" Hi XXXX, Congratulations : You are eligible to switch to Upgrade Triple Cash Rewards! 
Theres no need to submit another application or undergo a credit check. And youll keep your current account number and physical card. 
Simply click on the button below by XXXX and we will take care of the rest. ''
Product: Credit reporting or other personal consumer reports

Toyota Motor XXXX XXXX XXXX XXXX Medical Bill Incorrect reporting Old accounts
Product: Debt collection

On XX/XX/2017 I received a bill amount from States Recovery Systems for {$2100.00}, stating that it was the total amount owed. 

XX/XX/2017 I received a debt validation and bill amount for {$3300.00}. 

On XX/XX/2017 I received a second debt validation and bill amount from States Recovery Systems for {$3300.00}, and stating that they have closed and returned the account to the original creditor XXXX XXXX. 

Now they have resumed collection activity again. The billed amount is obviously incorrect and they have clearly violated several parts of the FDCPA. Not only that, they have continued to continuously call my cell phone after a debt validation and cease and desist statement was provided to them because of the discrepancy in what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / NELNET {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / NELNET {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ NELNET {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ NELNET {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ NELNET {$2000.00} XX/XX/XXXX (  4 yrs, 6 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ NELNET {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ NELNET {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ NELNET {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ NELNET {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ NELNET {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ NELNET {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ NELNET {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ NELNET {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ NELNET {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ NELNET {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against The Dept of Education/ Nelnet as well as the credit reporting agencies.
Product: Bank account or service

This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time.
Product: Credit card

In XX/XX/XXXX my credit union called Capital One Credit Card company for a payoff balance ( to include pending interest through the active billing cycle ). A check was issued to the Capital One Credit card company with a letter requesting immediate closure of the account upon receipt. The payment & letter were received on XX/XX/XXXX per Capital One 's representative ( noted on call placed XX/XX/XXXX ). The company did not process the check or close the account before the active billing cycle ended ( on XX/XX/XXXX ), instead they chose to let the account remain open through an additional billing cycle, proceeded to charge my account another cycle of interest on the balance ( while the payoff check was in their possession ). I had assumed the account had been paid off and was closed as requested. I opened my online account on XX/XX/XXXX to verify my account had been closed and had a XXXX balance. I was shockingly surprised to find an additional {$80.00} interest charge and to top it off, a {$29.00} late fee!! I called the Capital One credit card service line to request the balance be waived after explaining the above circumstances. The representative informed me as did her supervisor that since the account was closed there was nothing they could do to waive either charge. I find the fact that they withheld processing on my payoff to incur additional interest charges an exceptionally fraudulent practice. I am now facing additional fees and possible collections and credit score tarnish if I do not pay these fraudulent charges. This is absolutely unacceptable, but I am left without recourse as my credit score is being held XXXX by these XXXX  business practices. If the Capital One credit card company had a shred of integrity, they would waive these additional fees and cease any additional activity on my account.
Product: Debt collection

Claiming i owe {$1500.00} for a {$250.00} payday loan from ace cash express, When i asked for proof of debt, they told me they did not have to provide that information, when i asked them their address, business phone, company 's legal name, permit number or anything proving who they were or what debt i was owed, they told me they did not have to provide that information and that i wold go to jail for fraud if i did not give them {$500.00} over the phone. I asked again for proof of debt ad was told no to just send money or i was going to jail. They have called me and told me they are lawyers and part of an arbitration team, today i was called and told they were from my XXXX office, when i called my XXXX office, instead of the XXXX number they left me, they had never heard of the people involved. So far other than XXXX phone message, where they left an XXXX number i have not been able to get any information i requested about this debt. THey have asked me for my address which i did not give, if they had my file they should have that information, and a payment. i have googled the XXXX number XXXX, and XXXX and they both show up as scammer numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal trade commission and need these accounts to be removed immediately. Under the law of section 605 of the FCRA, you have 4 days to comply. Thank you!
Product: Student loan

Back in 2004, I took a tour of the California XXXX XXXX ( now XXXX XXXX XXXX ) in XXXX XXXX and fell in love with the idea of the program that they were " selling '' me. Great set of XXXX a prestigious school alumni ... XXXX of my many future counselors told me that I would have to take a loan via XXXX XXXX and that I qualified for some Federal Loans. That being said, my private loan rates were at 18.1 % but all I cared about was going to school. The school it self was located in XXXX called the XXXX. I decided to live off campus as you could n't sleep in the dorms at night due to bum fights. None of this class received the XXXX XXXX and graduation ( which should be a special time ) we were n't given new uniforms like promised. The promise of any decent jobs was denied because of the factory making XXXX and the lack of work ethic. No one really hired a XXXX graduate. The administration was constantly changing and always new teachers. I started with a class of XXXX and graduated with XXXX of my original class of which only a handful are still in the XXXX world. Once graduating, my payments were an astonishing {$1000.00} a month of which I had to defer and put into forbearance, which created even MORE interest. I was able to have a relative co sign but the damage is done and I am paying almost {$400.00} a month and can not pay principle only and what was once XXXX XXXX is now NAVIENT and they wo n't let me pay more towards loan and just forward it to following month. PLEASE HELP!!!! The school also had a class action lawsuit that i sadly received the paperwork way after the fact and the payout was {$40.00} XXXX dollars. I could go on, I am just looking for a better direction because this is become a burden on my family. I own my own XXXX but my salary is minimal. Thank you!!!
Product: Money transfer, virtual currency, or money service

I found a home online through XXXX and rented a home and have been paying rent to whom I thought was the owner since XX/XX/2023, I have lived in the residence for 7 months, and I found out last month that I was a victim of a rental scam. The property management of the home I reside in served me with a dispossessery notice to vacate in 7 days.I have paid XXXX $ in rent and now I do not have anything to move with. I have filed complaints with the FBI, the FTC, my bank, the police dept, and the sheriff 's dept. I have lost my hard-earned money that no one seems to care about or even want to help me get back. I am the victim, I have nowhere to g, o and now, no money, this is completely and utterly not fair. I should not be penalized for someone else 's criminal actions toward me, I am the victim
Product: Credit reporting

Experian Has been notified and provided documents proving that the collection is invalid, and that XXXX, has not perfected the Collection, and that XXXX is reporting Improper and Inaccurate information as well. 

XXXX has been sent multiple certified mailings, and has failed to address ANY of them, and/or to provide verification of the debt. 

The " supposed '' debt was paid in a settlement agreement on my behalf by XXXX, and in addition XXXX is representing the debt as being in XXXX, when indeed the Last Delinquent Payment Period was XXXX XXXX. 

The debt was paid, and in addition the Statue of Limitations expired on this account as well, being it is WAY past the one year legal requirement for Federal and State of Florida, AND the credit card debt is greater than 7 years as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my Bank of America Checking account, using the Bank 's XXXX online banking transfer tool. The recipient XXXX for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the XXXX  was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX XXXX  was ( XXXX ) XXXX. I contacted Bank of America that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked Bank of America to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an XXXX XXXX XXXX XXXX  account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with XXXX XXXX XXXX and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XXXX XXXX, XXXX  ) from the investigations Dept. at Bank of America saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''
Product: Credit card or prepaid card

I pay my " Milestone and Indigo Credit Cards '' on time every month. Now, they will not credit my account for 16 days even though the money was taken out of my bank account. So, by waiting 16 days they can charge over-limit fees and higher interest rates. When I pay my monthly bills I pay via computer. So, I know everything is instanteous. Is this some new scam to make more money from customers?
Product: Credit card or prepaid card

American Express offers referral bonus of XXXX miles for every person who opens an account with that referral link. I opened an account with a friend 's referral link and due to a website error, they didn't get the bonus. Attempts to get this remedied were met with them saying it wasn't possible and that it was my fault. They are unwilling to credit the referrer 's account with the promised reward and simply transfer me to another department or hang up on me.
Product: Checking or savings account

An account was created with my name and email through Truist Bank
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 credit card account, 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 # ( XXXX ) 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 or other personal consumer reports

I am writing regarding my complaint XXXX filed against TransUnion, XXXX, and XXXX. I noticed that the complaint has been marked as closed without a response from the credit bureaus. I am concerned because the issues I raised remain unresolved, and no actions were taken to address my dispute. 

I respectfully request that the complaint be reopened and escalated for further investigation. This matter is critical as it directly impacts my credit report and financial well-being. 

Attached are additional documents to support my case. Please let me know if further information is needed. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I read dispute results from XXXX regarding my creditor, XXXX XXXX XXXX  statement balance for XX/XX/2023. A balance has been reported to my credit report at least 2 times inaccurately for the month of XXXX within a 30 day period. The balance on my balance sheet for XX/XX/XXXX is {$340.00}. On XX/XX/2023 the balance was reported correctly. On XX/XX/2023 XXXX XXXX and/or XXXX, Equifax, and XXXX reported a balance of {$1000.00}. Today, XXXX dispute results shows my statement balance for XX/XX/2023 as {$1500.00}. This practice is unlawful, discriminatory, and against the Fair Credit Reporting Act. This action has caused an adverse affect on my credit score and report. Credit bureau systems and/or employees should know to only report credit balances once a month, accurately, and within the statement month 's period ( usually 30 days ).
Product: Credit reporting or other personal consumer reports

I have been dealing with an ongoing issue regarding my account ( # XXXX ) for the past five years, with no clear resolution on who owns the debt. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, does not claim ownership of the account. However, the collection agency XXXX XXXX states they are only authorized to collect on behalf of XXXX, even though XXXX no longer owns the account. 

This situation has left me in a continuous loop, unable to determine who is actually responsible for the debt. Neither party is able to provide proper documentation verifying the true owner of the account, making it impossible for me to resolve this matter. 

I am requesting that XXXX provide a formal assessment of the debt, including confirmation of ownership and a detailed breakdown of the account history. This ongoing lack of clarity has caused unnecessary complications, and I need a resolution as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report