23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX    XXXX   I called   XXXX   XXXX   to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called   XXXX   XXXX   and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax.
Product: Checking or savings account

Netspend is holding my refund after I had access to some part of the money an they closed my Account
Product: Credit reporting or other personal consumer reports

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.

1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.

3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.
Product: Credit card or prepaid card

To whom it may concern, I am writing to ask for your help. 
Back on XX/XX/2023, I purchased tickets from an online service - XXXX When I agreed to the purchase, I agreed to pay a little less than {$3800.00} ( US dollars ). They were 6 tickets from XXXX XXXX to XXXX, Florida. 
A couple of hours later, I got the confirmation email, and to my surprise- I was charged {$7500.00} ( US dollars ). Later I got an email from XXXX saying that I was being refunded {$290.00}. 
Immediately, I called XXXX to express my concern Their reply was promptly There is nothing we can do about it, you did not purchase insurance for your tickets The price is what you received on your confirmation email. 

Because I did not have any help from XXXX I called American Express to STOP PAYMENT and claim for a fraudulent use of my credit card. The case # XXXX opened. 
The person I spoke to at American Express told me There is nothing to worry about, This happens all the time, we will cancel and stop your payment. I was advised to disregard my tickets ( and not use them ). 

I have had my American Express for over 50 years, I always felt they had my back I never had an issue with a payment or any incidents of fraudulent activity. 
I always fully trusted, what ever I was told by their associates. 
I was told to give 2 weeks for things to process So I called back when I was told The payment had CLEARED and they told me that unfortunately there was nothing they could do. Basically, this new customer relations assistant ( at American Express ) told me that the person who advised me in my first call gave me the wrong information. I ended up purchasing NEW tickets for my vacation! 

I have been on many calls with American Express since this happened, I have asked them to check on the recorded conversations that I have had and every time I hear the same story. 
You are absolutely right let me put in a new claim. Give us a couple of weeks and it will be resolved The 10-14 days go by and I get the same email There is nothing we can do. 

What I do not understand is that I called to ask for an IMMEDIATE STOP PAYMENT ( less than 24 hours after the incident ) because I realized that I had been a victim of fraudulent activity. 
And now no one seems to be responsible, when I was advised by someone in their own team to take the actions I took. 
Otherwise, I wouldve at least used the tickets istead of purchasing new ones!! 

I hope this email explains my situation well enough, but I am available any time for further clarification. 
Looking forward to hearing back from you. 

Regards, XXXX XXXX
Product: Student loan

As of XX/XX/XXXX My student loan lender has not reported my loans to the credit bureaus. They informed me that because of a systems transform this information has been lost in the old system. Now as of XX/XX/XXXX I have no credit score. I am currently in the process of pre approval for a mortgage and the mortgage brokers can not pull my credit report. I was informed to Make a consumer dispute.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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/year>
Product: Checking or savings account

I executed a transfer from my Ally Online Savings Account to my Ally Interest Checking account via my logged in online account. Ally Bank duplicated the transaction, such that the amount was transferred a total of 2 times. The second transfer was made in the absence of any instruction from me to do so, and shows as counting against the Regulation D 6 transfers per monthly statement cycle. I immediately notified Ally of their error, and requested that the wrongly duplicated transaction be reversed so as to not count against my 6 allowed transfers for the month. Ally told me this could not be done, and that the duplicated transaction would in fact count as a distinct transaction for Regulation D purposes. Ally offered to execute a third transaction, moving the duplicated amount back into the Savings account, but that does not resolve the issue, as I could potentially need to make use of all 6 of my allowed transfers out of Savings. I was told the same thing by both a chat representative and their supervisor once escalated. I do not believe Ally has resolved this issue. My position is that Ally has taken away the ability to make 1/6 of my allowed monthly transfers, and failed to either rectify the issue or compensate me for lost freedom under Federal law. Furthermore, Ally 's refusal to to reverse their own errors is concerning due to the impact this could have on other customers were they charged overdraft fees due to a duplicated transaction. Luckily, the second transaction Ally made did not overdraft my account and I was not charged a fee, but I believe other customers who experience the same issue could be subject to fees. Given that even determined customer complaint could not resolve the issue, I am concerned other depositors could be harmed by Ally 's negligence in future.
Product: Credit reporting, credit repair services, or other personal consumer reports

i talked to 5 people at credco and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want
Product: Mortgage

I thought I was in a program to stop payments during pandemic. Start later when Im not unemployed due to Covid. Im at high rush due to XXXX and XXXX XXXX for two parents with XXXX and a XXXX. I thought payments would go in the back of my loan not in a foreclosure process.
Product: Student loan

I am sure this is one of many complaints, but this has been so outrageous and taking a huge toll on everyone involved.

PLEASE HELP US DEAL WITH MOHELA!! NO ONE can get through!! I have called for days straight and I am on hold for 2+ hrs plus!!! I can't get through and I am not the only one. This is absolutely unacceptable - we were all students and working to pay/deal with our loans. I am a working public servant - I serve my city. PLEASE hold MOHELA accountable for what they are doing, this is not right. We did not choose for our loans to be transferred to them. I am extremely worried and concerned for my loans and all those involved. 


They are purposely judging calls and not answering so that they can profit off student debt!!!
Product: Checking or savings account

XX/XX/year> I woke up to 5 charges of a {$100.00} dollars from a merchant that was unauthorized I called wells fargo and informed them that I did not make thes transactions they told me they can't do anything untill they post or they might go away mind you they did not cancle my debit card so the next day XX/XX/year> I chech my account I see another 3 transactions from the same merchant for another XXXX I called wells fargo they said they will file a claim again they did not cancel my card 2 more days they charged my account more than XXXX the fourth day I called mad and they finally canceled my card and I get an email that they are going to close my account and only gave me back XXXX and declined all the claims and now I'm facing eviction and I can prove it and they are not trying to give me my money on top of it they told me they are going to close my account
Product: Credit card or prepaid card

Bread Financial and the XXXX XXXX XXXX has not reported my credit information with them to the bureaus since XXXX. I have contacted them many times and they keep sending the same canned response that they need two more months. I have given them 4. My balance has been paid since XXXX and yet it shows a large balance.
Product: Credit reporting or other personal consumer reports

Inaccurate with status and balance according to FCRA I have the right to an accurate report! If contacted the XXXX  also on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files ; 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. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had responded to a money request from a moving company ( XXXX XXXX ) using PayPal in the amount of {$1100.00} CAD. After completing the transaction, I discovered that PayPal would hold the money and not release it to XXXX XXXX  until XX/XX/2022. This was unacceptable to the seller and so they sought payment by another method. They decided to accept an Interac e-transfer from my step-father, XXXX XXXX XXXX At this point, and still to this day, XXXX XXXX  has not received the PayPal payment. I have attempted to cancel the transaction on the grounds that the service has already been paid for. The dispute has been unsuccessful after many appeals and arguments with PayPal. I have provided them with documentation showing that the service has been paid for by XXXX ( see attached ). In return, PayPal has refused to accept this fact and is threatening to debit my account.
Product: Debt collection

its been over 30 days and the deadline has past This account is fraudulent activity i don't know where this account came from i need it remove ASAP if this account is not remove i will have to use legal actions
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX TransUnion XXXX XXXX inaccurate account 1 XXXX  XXXX XXXX TransUnion / XXXX inaccurate account 2 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 3 XXXX XXXX  XXXX TransUnion / XXXX Inaccurate account 4 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 1 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 2 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 3 Us dept of Ed XXXX Inaccurate reporting on all 3 bureaus Account 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair creditors act. Any accounts ( inquiries ) posted to my credit report without my consent. Should be removed! 

These are the unauthorized inquiries below : 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
Product: Credit card or prepaid card

Took me 14years to build up a very good credit and for just one mistake, bank of america made my score go low ... This is due to a payment i thought went through but didn't ... After more than 7years with them that was the only time i missed pyment.After ordering my credit reports from all 3 credit bureaus, the only problem was that late payment ... My credit went from over 800 to now XXXX. 
I don't think its fair and that bank of America should rectify it.Took me over 14 years to build my credit, and they ruined it for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the XXXX Credit card and the XXXX credit card has been paid in-full by me.
Product: Money transfer, virtual currency, or money service

I wired money to a comapny that is fraudulent and the account is with Chase bank. I tried to get help from Chase but have been unable to. I have insurance docs this company forged as well.
Product: Credit reporting 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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
DEPTEDXXXX XXXXXXXX BALANCED {$0.00} DEPTEDXXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, disputed CFPB complaint reference # XXXX on this account and results came back still inaccurate. Account is not stating 100 % accurate. * Account reports CLOSED while in collection with a pass due amount. There is no way that account can report pass due if account is dead. * Reporting consecutive Charge off as if it was some sort of payment method. * inaccurate date of last activity reporting XX/XX/XXXX by XXXX XXXX XX/XX/XXXX XXXX while XX/XX/XXXX. *Account is still not reporting as disputed by consumer. I have the right to an accurate credit report and you are not providing it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/XXXX ) .I have requested the XXXX to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a XXXX can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Attached is also the dispute filing in XXXX. Per a XXXX compliant decision on XX/XX/XXXX XXXX bank decided to delete this account from my credit. The only bureau it has been deleted from currently is XXXX. Ive been requesting to have this deleted from Experian and XXXX but I keeps coming back after the compliant is filed as verified This is my XXXX compliant request the discover account be removed from Experian and XXXX per the decision made by discover on XX/XX/XXXX. Attached is proof that this account by XXXX was suppose to be deleted per a final decision made by discover bank XX/XX/XXXX. It has not been deleted and still shows on all 2 of the credit bureau.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors