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

This item XXXX XXXX ACCT # XXXX is inaccurate and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXXXXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXXXXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX  have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established since the account was sold to another company and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item DEPT OF THE TREASURY ACCT # XXXX is inaccurate and its credibility must be established because I do not know what this cost is, I wrote a letter to the company to establish credibility but the address on the account is incorrect and I am requesting that the Department send me an interpretation or have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXXXXXX # XXXX is inaccurate and its credibility must be established because I have fully paid and I am requesting that XXXX XXXX XXXXXXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX  ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX  have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXXXXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXX  ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX who is no longer handling this account have the item removed and deleted from my credit report. 
This item XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have no information about this account and the collections company is very abusive and threatening and I am requesting that XXXX XXXX have the item removed and deleted from my credit report
Product: Credit reporting or other personal consumer reports

Transunion is reporting this XXXX  account on my credit report that was never opened by me, I asked Transunion to investigate this account and they told me that this account is accurate.
Product: Checking or savings account

My account was closed without warning or notice and they refused to give me a reason why other than they reserve the right to. They are holding my money and refusing to give it to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I would like to request that the CFPB investigate my complaint against XXXX XXXX XXXXXXXX. 

I financed a vehicle from XXXXXXXX XXXX XXXX, My vehicle was illegally repossessed on XX/XX/2023 in XXXX, the peace was breached in this repossession because the company XXXX XXXX XXXX almost ran me over during the repossession on XXXX XXXX XXXX. 

XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with any Florida State or Federal regulations or statutes to legally have possession of my vehicle. 

XXXX XXXX XXXXXXXX informed me my vehicle was sold at the auction. 

Im requesting a bill of sale from the auction.

Im requesting to know what company or parties the vehicle was sold to.

Im requesting to know what date time and location was the auction for my vehicle.

Im requesting to know if I owe any balances from the sale of my vehicle from the auction. 

I will be filing a civil action in small claims court and lawsuit against XXXX XXXX XXXX if any information on my credit report is incorrect or not accurate. 

I will be electing to update a new address on file to receive all notices from XXXX XXXX XXXXXXXX. 

As of today XX/XX/2023 I havent received any notices from XXXXXXXX XXXX XXXX detailing the auction or repossession of my vehicle. 

The new address I want to elect my notices from XXXXXXXX XXXX XXXXXXXX mailed to is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Florida XXXX Since XX/XX/2023 XXXXXXXX XXXX XXXXXXXX has the wrong mailing address on file and I contacted XXXX XXXX XXXX to elect for an updated address to receive my notices. 


I contacted XXXX XXXX requesting for the information to be updated and I requested for the usps tracking number for my notices. 

I will be filing new complaints with all Florida State and Federal Agencies regarding my repossession and any information that is not correct on my credit report. 

Im requesting that XXXXXXXX XXXX XXXXXXXX updated my account information to show on my credit report showing the balance I owe on the vehicle I financed from them. 

XXXXXXXX XXXX XXXXXXXX can email me all details about my account.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 To whomever this may concern, Hello, my name is XXXX XXXX XXXX - SSA # XXXX. One of the main issues I would like to discuss in this complaint is the dispensation of E.I.P. from the U.S. Treasury, it's decision on recipients, and the severity of the unprofessionalism and misappropriation that has occurred on behalf of the respondant. With records to verify, I am a tax-paying citizen and continue to give my example of integrity and formality within U.S. border for the sake of present and future generations to advance in this country. The last impression I would want to experience from lead positions in this nation, would be something totally contrary to what our flag flys for. Notwithstading, the reality of an State of Emergency is not limited to an biological epidemic ; the lack of funding for maintenance and security during this multi-faced crisis is all the more severe for citizens who actually appreciate a platform of freedom. With tax preparation completed many months ago ; on top of prepaid+checking accounts activated solely for the E.I.P., I try not to become as frustrated as these circumstances have taken me. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Phh mortgage co was not supposed to report my mortgage situation during the Covid 19 instead they reported an increase in My mortgage from the interest that is not supposed to be charged during the 3 month forbearance period negatively affecting my credit score. In XX/XX/2020 my mortgage was reported to have an increase of {$280.00} during the forbearance period.
Product: Debt collection

I've been harassed on the phone multiple times I requested the original information I have not received it and then I sent a letter to them requesting the information and still haven't received it but I'm still getting the phone calls
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, which were established without my authorization due to a recent data breach. I am invoking my rights under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these items promptly removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} Unauthorized Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

I have deposited few checks in my new check-in accounts and some other deposits. 4 of the checks i deposited is cleared by the bank however they put a restriction to my account and end up closing it without notifying me. I went to the bank to prove that those belongs to me. However, they still closed my account without give me any heads up and told me they will send me the money to my house but holding {$1000.00}. I received 2 checks each ( {$21.00} & XXXX ) from an attorney who was did my house closing. So those 2 check 's were issued to me to pay my credit card bill. In my previous claim chase said they return the money my attorneys bank. however, I reach out my closing attorney and they said they never received the money and the check were cleared from their bank. they will not issue a new check until the money is returned to their account. I rech out to chase couples of time regurding the issue. I went to a branch with the closing documents and copy of checks and they said they will not issue mw the credit instead will send it to the original issuer. I reached out to bank and filled a complaint on XX/XX/21. its been a year and i still haven't heard from the bank.
Product: Debt collection

This account is not mine and appears to be fraud it is greatly affecting my credit and I need this removed immediately. 
It was added on XXXX 2003 It is for the amount is for {$640.00} I want this removed
Product: Student loan

The private student loan accounts from Navient all showed closed in 2016 and now they are all showing that they are open again and my cosigner is now listed as a joint account hold instead of cosigner. I contacted Navient about not being able to make payments because of hardship and even after doing a financial statement showing a negative income after all my bills they still wont put my loans into forebarance.
Product: Credit reporting or other personal consumer reports

Credit checks that are related to auto loans that take place within 14 days of each other should be condensed to a single credit check. 

The following XXXX hard credit inquiries are all related to automotive loans. 
XX/XX/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 XXXXXXXX By law, these XXXX hard inquiries should be condensed to XXXX hard inquiries. I request to have these XXXX hard inquiries condensed to XXXX hard inquiries immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using sound numerous of times And reporting discrepancies My financial institution failed to do any investigation Towards my claims. The informed me recovering loss funds was impossible. XXXX has neglected to protect consumers and allowed repeat offenders to exploit the system.
Product: Credit card or prepaid card

CFPB : receive monthly social security check and pay bills monthly, however never received bill from barclay card for XX/XX/XXXX but I have received several this week saying credit account is delinquent, The state will be forward to you via US mail. 

we are concern because you recent ruled with a matter with XXXX XXXX   where I was the beneficiary of wife 's account and your tried to rule in favor of no custodial party which we have seen quite often with the ruling authority.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

XXXX XXXX account was charged off greater than 6 years ago and continues to report monthly. Limits within my state is 5 years, will not take off credit.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen that there was incorrect and fraudulent information on my report. I contacted these companies to have them removed and here are the companies with corresponding information ; XXXX XXXX XXXX {$350.00}, XXXX XXXX XXXX XXXX {$99.00}, XXXX  XXXX. XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Debt collection

I have been repeatedly contacted by a company named, " XXXX XXXX '' claiming to be a legal company filing a subpoena for a client that will result in a claim, lien, or judgement. They have called my repeatedly for the past month or so. 

The original debt was with Wells Fargo for a credit card that went into default. I believe it was in XX/XX/XXXX or XX/XX/XXXX. It was settled through a collection company in XX/XX/XXXX through a collector called the XXXX group that was able to provide proof of the debt. I've attached it below. 

When questioned if I can send them proof that the debt was settled, they said they would include it in my file, but still file in court. When I informed them that it was settled, they said repeated that it would be filed in court and I could expect to be served at my residence or place of employment. When I asked them to stop calling me, they informed me that they were not a debt collector and reiterated that they were a legal company. 

Despite the debt being a decade old, it also appears that Wells Fargo is still selling the debt, as this pops up every year or two.
Product: Credit card or prepaid card

In XX/XX/XXXX American Express had a promotion that stated if you get an XXXX XXXX XXXX XXXX and spend {$3000.00} in the first 90 days they wouldcredit your XXXX XXXX account with XXXX XXXX XXXX bonus points. I applied and received the card and met the spendingf threshold on XX/XX/XXXX. 

I contacted AE on XX/XX/XXXX as it had been 8 weeks sincemeeting the threshold and enquired why my points had not been credited to my XXXX account. I was informed I had to wait 6-8 weeks before it was credited. AE told me that they had opened an internal investigation and that I would have to wait anothe 6-8 weeks for the investigation to be conducted. on XX/XX/XXXX I contacted them again and they told me it was being investigated. On XX/XX/XXXX I contacted them again and now was tols 7 - 8 weeks for the investigation.On XX/XX/XXXX I contacted them and AE told me that the " specialists '' had identified the problem and that my XXXX points will be credited " some time in XX/XX/XXXX ''. On XX/XX/XXXX I contacted them again and was told that I will received the bonus points " sometime in XX/XX/XXXX ''. On XX/XX/XXXX still no points and still getting the run arround from American Express. They are still not providing me the promised points and still not providing me with an outcome.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Reinvestigation of Fraudulent Transaction and Immediate Credit Reporting Correctio I am writing to formally express my ongoing dissatisfaction with XXXXXXXX XXXX  handling of a disputed fraudulent transaction on my account, which I first reported in XX/XX/2024. I have made multiple requests for the Bank to reopen the investigation and provide a detailed explanation of the denials, yet XXXX XXXX  continues to refer me to the merchant, XXXX, who is unable to assist me. 

Background on the Fraudulent Transaction I have reached out to XXXX directly, as suggested by XXXX XXXX, but they have confirmed that they can not locate any transaction without an order number or transaction numberdetails I can not provide, as I did not make the transaction in question. I have also provided XXXX XXXX  with a police report supporting my claim of fraud. 

Despite this, I continue to be referred back to the merchant, and this back-and-forth has resulted in no progress toward resolving this unauthorized charge. XXXX XXXX  repeated refusal to reinvestigate or resolve the issue is deeply concerning and has caused significant financial and emotional distress. 

Request for Reinvestigation and Reporting Corrections I am formally requesting once again that XXXX XXXX  and XXXX Reopen the investigation into the fraudulent transaction on my account. 
Provide a detailed explanation of why my dispute was previously denied, along with any supporting documentation XXXX XXXX  relied on to reach that conclusion. 
Correct the inaccurate credit reporting related to this transaction. XXXX XXXX  continued reporting of this charge to the credit bureaus has resulted in a XXXXpoint drop in my credit score, despite the ongoing dispute. 
Violation of 15 USC 1692c In XX/XX/2024, I formally requested under 15 USC 1692c that XXXX XXXX  cease communication with me regarding the disputed charge, yet I continue to be contacted about this issue, and worse, it has been reported inaccurately to all major credit reporting agencies. 

Next Steps and Legal Recourse I expect a written response to this letter within 14 days that addresses my requests, specifically regarding : Immediate correction of any negative credit reporting tied to this fraudulent charge.

If this matter is not resolved satisfactorily, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to protect my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 

Please treat this matter with the urgency it demands.
Product: Debt collection

On XXXX at around XXXX central. I received a call and the representative asked if someone was available. I said yes he is. The representative took that as that person was me. She gave a date of birth. I advised I didnt state that was me. She got defensive stating that she took it as that answer was me stating it was. I asked to speak to a supervisor. That person said the same thing. I asked for someone above the supervisor listen to the tape and call me about this. I got transferred to the supervisor of the supervisor. I was told that I was in the wrong, not exact wording, for continuing the call if I wasnt that person. I advised it wasnt my job to do there job for them. I told him that they shouldnt be giving out information on someone if they didnt know if I was that person. My response was not a yes or no. All I stated was he was available.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Card services has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card

Complaint XXXX details the issue I had with Bank of America deducting from my bank account twice, due to a computer glitch on their end. They credited my account, with the full understanding that my intention was to pay the balance in full. The representative I had spoken with initially told me that my minimum payment would still come out automatically, so she suggested I cancel my payment and them submit payment less the min amount due. 
My payment was due on XX/XX/XXXX. I submitted my payment on XX/XX/XXXX and it went through on XX/XX/XXXX. 

I just received notification that I have a payment of {$14.00} due by XX/XX/XXXX. There should be no interest due since I paid the balance in full by the due date. If anything, they should have offered me a courtesy credit for the time and energy I wasted and the money from my personal account that they tied up in error. 

I will attach a copy of the XXXX and XXXX statements. I ask that Bank of America clear this matter up as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

IHello Im writing to you because my student loans payments reported to my credit report as 60 days late. Which is not correct! I spoke with an employees XXXX ( XXXX ), and XXXX ( XXXX ) who told me to call in and make my payment on XX/XX/XXXX. As I was on a repayment plan that I did not know now changes every 6 months. When I set it up it was set up for 12 months. I spoke with XXXX ( XXXX ) Who advised that my payment would not be late. He also set up my 6 months payments to come out of my account automatically. XXXX also put me on hold to check with a supervisor to assure my payments would not be late. Please have this correct as it is messing up my credit and Im doing EVERYTHING I can do pay on my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed LEXISNEXIS RISK SOLUTIONS, INC has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.