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

This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX : XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. ; is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to pro that proof, or if lacking proof of these payments being late. please update my_payment history PAANL status Stop trying to get late payments consumer protection laws
Product: Money transfer, virtual currency, or money service

The last time I called Chase about my attempted transfer of funds, the new reason given for the blockage was that the receiving bank was blocking the transfer. The receiving bank which answered quickly to the phone and checked me also in a suitable manner denied that they were the cause. This bank could not find the transfer attempt.

I am again back at the beginning of the transfer process because of not having the external account registered on my Chase account even if some of the first transfers were successful.

I have spent hours with Chase going through department after department and receiving vain promises from their personnel.

What is going on with this bank that they try to kidnap our savings?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission.

Please include documentation of said permission. 

Thank you, XXXX XXXX
Product: Debt collection

I have letters from XXXX XXXX XXXX account ending in XXXX and XXXX, XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX ending in XXXX. All 3 Company letters state that they acknowledge and will apply a CEASE & DESIST to each account listed above. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  have all violated the FDCA as outlined in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which states that a consumer report is a medium of communication and thus subject to CEASE & DESIST requirements.
Product: Credit card or prepaid card

Interest rate on my Sears Master Card with Citi Bank is way to high as my credit score is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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

There are multiple inaccuracies reporting to my credit file and I would like to see if I can have them removed from my credit file. As I am aware that the credit reporting agencies have to report accurate information and they arent allowed to report to my credit file personal information. When I contacted XXXX the dates for me allegedly being late werent accurate. I understand it has to be 30/60/90 days. 
On XX/XX/XXXX it reported I was 30 days late, then XX/XX/XXXX I was 60 days late, XX/XX/XXXX 30 days late and XX/XX/XXXX 30 days late which is inaccurate. They do not match my payment history made to XXXX from my personal bank account. The dates are inaccurate. I pay my bills on time and would like this issues to be handle properly.
Product: Debt collection

Original credit card account was opened in XX/XX/XXXX. Last payment on the credit card was made in XX/XX/XXXX. In XX/XX/XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XX/XX/XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XX/XX/XXXX. They explained that they tried contacting us in XX/XX/XXXX to an address that we had n't lived at for 2-3 years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.
Product: Debt collection

1. Cease and desist all communication with me between mountain America credit union 2. Remove MACU from all agencies : Mountain America credit union is reporting 2 fraudulent account in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for auto loan and {$300.00} credit card Ive never applied for. I XXXX XXXX have never soughtt the services of mountain America credit union nor stepped foot in any of the states they operate in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Merchant FInancial Guardian account was added on my credit report in XX/XX/XXXX. I contacted them in writing in XX/XX/XXXX asking them to send me copies of documentation showing that this is my account. I responded to the letter they sent me on XX/XX/XXXX stating that I owed XXXX XXXX.

They never responded after initial letter. I continued to contact them over the phone requesting documentation to assist me with this matter. The stated would receive something in writing within 90 days. 90 days passed still nothing. In XX/XX/XXXX I then reached out to them again with a certified letter. I have attached the letter sent to Merchant financial on XX/XX/XXXX. I have still not received any response or resolution for this matter. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am planning on refinancing my mortgage and i login online today XX/XX/XXXX to get a copy of my credit report and score and i found out there were many discrepancies in incorrect information. MID ATLANTIC FINANCE COMPANY based in XXXX, Florida allows someone to use my information fraudulently to obtain a car loan and insurances under my name. I immediately contacted XXXX, they asked me to contact the police and file an FTC and a Consumer Financial Protection as well as contacting the company MID ATLANTIC FINANCE COMPANY.

I called the company name MID ATLANTIC FINANCE COMPANY, I had to transferred over to 4 different reps before XXXX was able to assist me by giving me an email address to file a report to MID ATLANTIC FINANCE COMPANY, no one from that company was able to even take my concern at hand. No one person from the company was willing to help me even after they gave someone a loan for a car under my name.
Product: Checking or savings account

I am a XXXX XXXX XXXX female and rely heavily on XXXX to stay connected to my family. 

On XX/XX/2023, I went into my XXXX account and discovered that the account was locked. I thought the right thing to do was to XXXX and ask for assistance on how to fix the problem. An XXXX number appeared and said " Call XXXX to fix problems. I do so. After giving the Technical Support person my XXXX name, he said my account was " hacked '' and that I must " install '' a new security system which will prevent the account from ever being hacked again. 
However, in order to create a new passcode that I would have to give him access to my Checking account and XXXX XXXX so that he could guarantee the new passcode. By XXXX XXXX, I was so confused and nervous that I gave him my ATM card information. 

The next day the attached charges were debited to my account, and I call my family members who directed me to contact Chase Fraud and report.the SCAM. 

On XX/XX/XXXX ( see attached ) I received the attached Update stating that the transactions which added up to {$1300.00} ( see attached ) were not charged to my account. I breathed a sigh of relief. On XX/XX/XXXX ( see attached ) a letter was sent ( which I only received on XX/XX/XXXX stating that Chase was removing the {$1300.00} from my account, because the transaction was authorized by me. Today, they removed this amount. 
I feel Chase has a legal and ethical responsibility to refund scammed money to their customers. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Date of inquiry : XX/XX/2023
Product: Checking or savings account

Had a negative balance of {$160.00} due to needing to make an emergency purchase and scheduled payments being removed from account, the amounts that sent my account into negative balance were pending. Transferred money, {$190.00}, via XXXX direct deposit to the account to cover the negative balance until next paycheck. Amount should have showed as pending but it was not deposited until after midnight, which is also when the two charges causing the negative balance would have exited their pending status. 

Was charged two {$34.00} overdraft fees, sending my account balance back into negative balance because the transferred money was not enough to cover the initial amount and the {$68.00} in fees. Bank refuses to refund the overdaft fees even though the 2 charges that sent the Account into negative balance initially were not posted until the same business day that the transfer was posted.
Product: Checking or savings account

Recently while traveling, I noticed someone filed a tax return in my name and kept my refund. I never received my refund for XXXX nor was I able to amend it. They then used my account information to try to pay an account through XXXX XXXX that was not my account with XXXX XXXX. The bank placed a hold on my account while I was using a XXXX truck so that I incurred a {$1200.00} bill with the XXXX XXXX company while my account was placed on hold. The incident happened through Bank of the West in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned 21 and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN ODA 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 Equifax Mortgage SER, US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Student loan

- I am writing regarding FedLoan Servicing 's ( FedLoan ) and the U.S. Department of Educations office of Federal Student Aid 's unacceptable delay in processing my Public Service Loan Forgiveness ( PSLF ) application. Based on the limited waiver criteria with more recent amendment to include previous unjustified forbearance months, I have made well over 120 PSLF qualifying payments. 

I submitted my first application on XX/XX/XXXX for PSLF with a request for consideration for loan forgiveness through TEPSL, as my correspondence with FedLoan indicated to do. Despite serving in the public mental health sector for over ten years at that time, this request was denied. 

After the limited waiver was introduced, and particularly with the additional allowances targeting unwarranted forbearance periods, I thought this issue would finally be resolved. 

I submitted applications for PSLF on XX/XX/XXXX and XX/XX/XXXX. I submitted a complaint to Federal Student Aid on XX/XX/XXXX when I had not yet received an update to my qualifying payments despite the overwhelming evidence with documentation I submitted. On XX/XX/XXXX, I submitted further documentation verifying my non-profit work in providing mental health services to children and adults of my community. 

I have painstakingly documented the uncounted qualifying payments through previous and current employers as well as forbearance months which clearly coincide with changes in payment plans and was done on the advice of FedLoan officers at the time. On XX/XX/XXXX, I received an " update '' on my complaint filed through the office of Federal Student Aid only after requesting that the complaint be escalated to the Ombudsman group. 

However, the response merely stated the months of forbearance ( again, for reasons which the limited waiver is explicitly meant to correct and compensate for ) was not approved without reason. The response also stated my PSLF request on XX/XX/XXXX has not yet been processed and made no mention of my XX/XX/XXXX request. Although this most recent correspondence directs the borrower to submit a request for reconsideration, this process began with request to review my information. 

The delay in processing is unacceptable and I would like your assistance. Attached is the most recent email indicating my complaint was closed ( without legitimate resolution ) as well as a screenshot of my complaint 's case description and included documentation. This should clearly illustrate what over 25 email confirmations from FedLoan also highlight, that all requested information to process PSLF has been submitted.
Product: Student loan

Issue : Mohela has inaccurate employment dates for XXXX of my employers. Mohela has the employment dates of XXXX for XXXX XXXX XXXX XXXX My most recent XXXX application for this employer indicates my employment dates are XXXX. This form was sent to Mohela on XX/XX/XXXX. Mohela also has inaccurate employment dates for XXXX XXXX XXXX and XXXX XXXX XXXX. My most recent XXXX application for this employer has the employment dates of XXXX but Mohela only has the employment certified from XXXX. This application was sent to Mohela on XX/XX/XXXX. I have attached copies of the applications that were submitted.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list them below. When you get this omplaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Product: Debt collection

On XX/XX/2021 I got an alert from XXXX about a collection agency on my report affecting my credit. I immediately went to verify and confirm that a collection agency under the name of EOS CAA ( XXXX XXXX XXXX XXXX, XXXX ) representing XXXX initiated a collection attempt for the amount of {$360.00} under my name. 

I immediately reported this collection as this is not my account, as I never had an account with XXXX. 

It is important to mention that this is NOT the first time XXXX intent to send a collection company to me. About 2 yrs ago the exact same situation occurred and I reported it to the authorities, Social Security, and put a FREEZE on my credit and since then in order to increase the protection of my personal and credit, I locked all 3 credit reports on all the bureaus. Also, there is a Fraud alert on my Social Security and credit as well. 

So, PLEASE for this reason Im requesting an in-depth investigation on this matter and clear my name and credit from this collection on my report. 

Thank you for your prompt attention on this matter. 

Respectfully XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle allowed fraudulent transfers and provided no fraud protection.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In my fourth and final attempt to rectify the inaccuracies in my consumer report, I emphasize the critical role Consumer Reporting Agencies play in fair credit assessment. Without my explicit consent, disclosure of my information violates 15 U.S. Code 1681b ( XXXX ), leading to identity theft allegations under 15 U.S. Code 1681c-2. Moreover, the accounts in question are unrelated to my transactions, and Opt-Out disclosures were not fully disclosed, as required by law ( 15 U.S. Code 6802 ). If not resolved, legal action will be pursued under 15 U.S. Code 1681n for willful noncompliance, demanding prompt rectification within legal bounds. 
Here are the following list of inaccurate items on my report : 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I had XXXX Bank of America checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from BOA saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe BOA money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Furthermore the debt collector didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and it is obvious they violated my rights
Product: Credit reporting or other personal consumer reports

I have been trying to inform all three credit reporting agencies about inaccurate information being reported on my credit report. They have not shown me the method or the proof of how they are validating that the information is correct or mine. It is still showing up on my credit report. I tried working with them and they did not properly investigate my accounts. I have numerous attempts to clear this inaccurate information. I asked them to delete and they refused to comply with the Credit Fair Act. 

XXXX XXXX {$3700.00} Account number XXXX date opened XXXX XXXX, XXXX Dept Education {$13000.00} Account XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$1300.00} Account number XXXX opened XXXX, XXXX XXXX XXXX XXXX {$1100.00} Account number XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$2300.00} Account number XXXX open XXXX XXXX, XXXX