23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After my private loan, rate reduction plan expired I was offered a renewal by email pending my financial statement. I supplied my financial statement as requested and received more emails threatening to return to {$5000.00} per month payments if I did not renew. After calling to inquire, I was told that the interest rate would be doubled for the renewal, raising my payment beyond the unaffordable payment of $ XXXX/mo I was already paying for the {$270000.00} in private navient managed loans. I lieu of my other private loan payment of {$240.00} per month for a {$26000.00} loan, and payments to DOE for $ XXXX/mo on a {$500000.00} note, as well as other credit cards of $ XXXXmo, and car payment of $ XXXX/mo, a larger payment would not allow my family of size XXXX, with a XXXX wife, to eat or pay for childrens insurance nor educational expenses. When calculated without the private loan payment my disposable monthly income is currently {$210.00} dollars. I make an adjusted gross income of {$65000.00} per year and my wife is unemployed, as she provides childcare to our XXXX and XXXX year olds. My next resort appears to be bankruptcy, and I realize it is a barely even a temporary solution.
Product: Credit reporting

You all have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. You all have also failed to adhere to federal regulations and violated several laws of the FCRA. 

*XXXX # XXXX # XXXX {$510.00} Has agreed to delete all accounts you still choose to report. FCRA guidelines a collection can not be past due. You all have not provided me with the verification method you used on this account that you say you previously verified. This Collection Agency has not verified this account. A collection account can not go into collections according to FCRA guidelines ; the Collection company can not report that because they are not the original creditor. Reporting inaccurate negative information ; violation of FCRA. 
XXXX XXXX # XXXX {$0.00} : Please provide verification the dates XX/XX/XXXX XX/XX/XXXX regarding late payments listed and provide me with the verification method used. During these periods the military member was XXXX and notified school of her XXXX, but XXXX XXXX released her deferrment due to No Longer Enrolled in School. The memeber was till enrolled, but had to drop classes due to military XXXX. Loan was forgiven because memeber is now a XXXX veteran. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. XXXX XXXX has no information on the account. 
XXXX XXXX # XXXX .... {$8000.00} : Reinserted after previous deletion. According to FCRA guidelines a charge off or collection account can not be past due. The account can not be an installment or note account it is a charge off account according to FCRA guidelines. Please verify the said dates of Charge off Lates and or collection. Date of Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
XXXX {$65.00} : According to FCRA guidelines a collection account can not be past due. The account can not be an installment or note account it is a collection according to FCRA guidelines. Please verify the said dates of collection. Dateof Satus and remarks in status does not match. The information is contradicting. Reporting inaccurate negative information ; violation of FCRA. Violation of SCRA. Which is unverifiable and by law should be removed. 
Inquiries : You all have stated to contact the reporter about inquiries and I have and they remain unverified. It is also your job to not report unverifiable information. If you can not verify that I authorized these companies access to my credit file then you are in direct violation of the FCRA, because the FCRA states that Reporting Agencies must correct or delete any incomplete unverifiabe information.
Product: Prepaid card

I received an {$100.00} XXXX  prepaid card from a friend as a payment for shoes I sold to him. The card is from Prepaidgiftbalance.com. On XX/XX/XXXX, I decided to try and use it and reload my XXXX XXXX XXXX balance with {$100.00} but it didn't work. On XX/XX/XXXX, I tried to use it for gas at the gas station and it still didn't work.
Product: Credit reporting or other personal consumer reports

XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Lexis Nexis RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Also Remove all inquires associated with my account Also remove the late payments attach to the following Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly Remove all address not listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove all Phone Numbers not listed below : XXXX Remove all Email addresses not listed below : XXXX XXXX Remove All Names Associated not listed below : XXXX XXXX XXXX XXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). This people took control of my life and I feared for my life during this horrendous occurrence. 


I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from all of my credit reports for myself XXXX XXXX XXXX XXXX last four Social Security number is XXXX, XXXX : XX/XX/XXXXXX/XX/XXXX Please delete the following accounts. 
Sincerely, XXXX XXXX XXXX XXXX XXXX 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 U.S.C. 1681 : Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Violations : According to the Fair Credit Reporting Act : 1. 15 U.S.C. 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. These accounts violate this provision.

2. 15 U.S.C. 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify that item of information based on the results.

( ii ) Notify the furnisher of the information that it has been modified or deleted.

3. 15 U.S.C. 1681s-2 : Furnishers must not report any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

4. 15 U.S.C. 1681b ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022, XXXX reported Commerce XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. 

The bank that ran my credit was listed on my credit report as below : COMMERCE BANK OF XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. 
The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.
Product: Checking or savings account

I was Awarded XXXXXXXX XXXX XXXXXX/XX/year>. The funds were deposited into account number XXXX which isnt the correct number.The funds shouldve be deposited into account XXXX. The funds were deposited on XX/XX/XXXX {$13000.00} and XX/XX/XXXX {$2700.00}. I have been given a run around 6 times between Chase and Social Security regarding whos responsible for sending funds back vs recalling the funds. On Friday XX/XX/XXXX I hand delivered to the branch manager written documentation from Social Security indicating the error and a request for the funds to be returned to SSA so they can redeposit the funds into the correct account. This has been going on to long, I am heading toward financial ruin and now having XXXX XXXX. Can you please assist me with getting chase bank to send back the funds from account number XXXX to Social Security please? Thank you very much
Product: Debt collection

I have had a credit repair service dispute this by sending letters to the original creditor and collection company numerous of times and they refused to stop calling and sending new collection letters from different agencies violating my ( Hippa laws ) and letters were sent to address that portion of the problem too but to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being XXXX and ordered to shelter in place due to the XXXX  XXXX, I was unable to make a payment on time. I was forced to miss a payment. When I contacted XXXX XXXX customer service, I was told that they were unable to delete the recent 30 day late payment that had been reported for XXXX, 2020. I was recently told by a customer service representative that XXXX XXXX is unable to delay payments or offer any relief packages due to the corona virus outbreak.
Product: Credit reporting or other personal consumer reports

Due to being 100 % permanent and total disable PER Veterans Affairs my Citizen Bank XXXX XXXX  was discharged. This took place XX/XX/year>. I got a letter from Citizens Bank Asset recovery stating my loan was transferred to them. When I called, I spoke to XXXX XXXX, and he stated the loan was sent to credit bureau as a collection. I told him I made every payment on time. He then called XXXX ( XXXX XXXX XXXX ) while I was on the phone, and they gave him a good payment history. He realized that I'm a XXXX veteran and discovered it was coded wrong. He escalated up to a district manager named XXXX and she investigated and discovered that all this was a mistake. 4 days later she got back with me stating the loan was forgiven due to my declining health state.
Product: Credit card or prepaid card

Missing money, money disappears, inability to login, no transaction history of lost money, failure to merge accounts, emailed company, company responds call us, phone calls go to foreign operatives
Product: Debt collection

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

-SEE ATTACHED DOCUMENT INFO AND VALIDATION OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive discovered with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with XXXX for a long period of time. XXXX is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. XXXX was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by XXXX, that the account was verified as accurate by law 15 USC 1681 ( e ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC XXXX is liable to follow certain rules under the XXXX XXXX File Number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. 

I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from XXXX as well as Experian. Please note that XXXX has already removed this account from my credit report.
Product: Money transfer, virtual currency, or money service

I was looking on XXXX for a rental. After inquiring about some homes, I was contacted via email and text by a person claiming to be named XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX He sated that he was the home owner and that I could go take a look at the home anytime between XXXX XXXX XXXX XXXX XXXX I went to see the home at XXXX and shortly later and I submitted an online application. After my application was approved. I signed a lease. That same day. I then sent a refundable security deposit of {$1700.00}. On XX/XX/XXXX I asked to view the home again. I was then told that the lock was deactivate until. I became the registered user because the assess code had been given out to to many viewer. I was told when I paid the total move-in cost the lock would be reactive. I sent another on XX/XX/XXXX {$1700.00}. Then I was told there was an hoa fee of {$1000.00} on XX/XX/XXXX that would be refunded on the same day. I sent that too. Still, no access. I was later told another {$500.00} was needed. I concluded that I was being scamed. I checked with the assessors office to verify the registered owner which was the business name the scamer gave me. I assume that Zelle used the same business practices as my bank since I used Zelle via my bank. Once I was unable to gain access to the home I attempted to send a Zelle request for the return of my {$3400.00}. The Zelle account was gone. This was.in a matter of 7 days. Zelle makes it easy for scamers to activate and them deactivate accounts leaving consumers to fit the bill of there poor business practices. I use zelle with my bank. I can not set up scam with out providing and verifying my identity. This way, I can and will be held liable for missuse. Zelle by passes these checks so that scamers have access and the ability to scam the American public. They should be held liable for their poor business practices. They use financial institutions to create an illusion of a legitimate business when in fact they are a crime ring. They make the practices so easy for criminals to utilize them as a money tranfer system and they don't even attempt to track where the funds are going or create any system of accountability with those who use there business.
Product: Debt collection

Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. XXXX XXXX  XXXX says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I visited KeyBank 's physical branch location at XXXX XXXX XXXX, XXXX, OR XXXX in XX/XX/2017 to close my checking account with them. I met with XXXX XXXX, Branch Manager, who assured me my account would be closed. 

A week or so later, I received a cashier 's check from KeyBank, also from the same branch I visited, so I figured my account was formally closed, and I deposited the official check into my account at another institution via mobile deposit and considered it done. 

Despite the fact I was told by KeyBank 's employees, and I even received a cashier 's check for closing my account out, I have a negative mark on my XXXX XXXX XXXX report. 

Also : I'd like this made aware of to XXXX XXXX, " Vice President, '' " Senior Initiative Development Manager '' at KeyBank. I don't care for a response from her, but she needs to understand the malfeasance of her prior market.
Product: Debt collection

Company : AR-Strat ( medical collections company for XXXX XXXX XXXX  I was in an XXXX XXXX XXXX XXXX XXXXXXXX, AZ in XX/XX/year>. I had many disputes about what money what was owed, but it was finally resolved. The last remaining amount I owed I paid directly to XXXX XXXX so that there were no further bills. However, a lady named XXXX XXXX at a medical debt collection company " AR-Strat '' began calling me and harassing me about a {$100.00} bill that I owed. I paid that bill and the problem should have been resolved. About 6 months later, I received another bill for the same {$100.00} amount that I had already paid. I contacted them about it and found that they had erroneously charged me for an additional {$100.00}, essentially attempting to double-charge me for the same bill. I have asked them to provide proof that I still owe any amount, they have sent me nothing, yet have harassed me by calling me nearly every day for the past 60 days. AR-Strat never leaves me any voice communication on my answering machine but I can see on my Caller ID that they continue to call every day. I want this to stop. 

I can not send them a letter because I have no way to contact them via mail because they have NEVER provided me with any written communication. Anyone who has dealt with " AR-Strat '' should know that these people are scammers.
Product: Checking or savings account

I did a mobil deposit of a check from IRS on XX/XX/2023 they put a hold on it. i called on the XXXX and the check had already been cashed and they had the funds from IRS.i went to the branch on monday and was told it would not be in myn account until midnight of the XXXX. they said it was at the clearing house for my protection. and to make sure the funds were good. they know they are good because it had already cleared the IRS.well here it is the XXXX and they still have not put them in my account when they have had them since the XXXXthey have put over draft fees on my account now for things coming in on auto pay. i have made multiple calls to bank of america with no resolve, they offered to " loan '' me XXXX $ but with terms on it, yet not offering to just give me my XXXX $ I have ran out of gas, they are going to turn my electric off tomorrow, and i missed my neices and nephews graduation because they live XXXX hours away and i dont have gas to get there. they have no reason to keep this money from me and have caused me issues in my life. i have banked with them for XXXX years and this is wrong of them and for them to take total control of my life is not right or fair. i will be closing my account the minute they credit me the XXXX $ but i feel they need to be accountable for this and I will be seeking legal assistance as well as filing complaints everywhere I can. I am beyond mad there is not one thing i can do to get my money its not right even thoough they admitted had i taken the check to the bank it would have been just cashed on the spot and i could have walked out with my money so whats the hold up they are just earning intrest on customers money and its wr. like i said i will be seeking legal council to find out my rights in making them accountable in this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This belonged to a ex spouse and the wont delete. 

XXXX XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. 

LVNV funding llc This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX XXXX ( original creditor : XXXX XXXX ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I
Product: Credit reporting

I am filing this complaint against Trans Union, because Trans Union has ignored my repeated request, to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that Trans Union has gone past the XXXX day mark and can not verify these items, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified, that I have disputed. Please assist me in making Trans Union obey the law and delete this unverified information from my credit report