23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My checking accounts were accessed online on XX/XX/XXXX. Three transactions were created using the XXXX app. A total of {$4000.00} was stolen from both accounts. On XX/XX/XXXX -I noticed my cell phone wasn't working. I could not make any phone calls only send and receive text messages. After getting my phone restored, I went to my online banking to pay bills and was unable to access my account. My password had been changed and security question had been placed on my account, which was : Who was your first crush? So I called Regions Bank XXXX # automated service to check my balance and discovered I only had {$47.00} in my account. I immediatley called back to speak with a live person to report the fraud. The teller restored my account by verifying other information. Thats when she told me two transactions had already cleared. One for {$100.00} and the other for {$1900.00}. She also told me there was another one pending for {$2000.00} from my other checking account. She transferred me to the fraud department, which I was on hold over 40 minutes. Then a female answered, took my information, put me on hold, then hung up on me. I called back to the fraud department, held another 40 minutes or so, a man named XXXX came on, took my information and recommended I go to my bank and file a report with the branch manager. The next day, Saturday, XX/XX/XXXX. I met with XXXX XXXX Branch Manager, Vice President, XXXX XXXX Branch XXXX He took my information and recommend I file a police report. On my way home from the bank I called the XXXX XXXX Sheriffs Office, they sent two officers out to my home. I gave them my statement, and filed the report, case # XXXX. They turned my case over to Detective XXXX. Det. XXXX called me and said the phone number that was linked to the recipient of the XXXX account was used 4 or more times and was unlikely to be caught. He would have to turn this case over. My complaint is my bank, REGIONS BANK and XXXX has refused to restore the {$4000.00} that was taken from my account. I did not authorize XXXX to withdraw any money from my account and I want to be reimbursed.
Product: Debt collection

recieved call on XXXX/XXXX/16 from XXXX XXXX XXXX telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.
Product: Credit card or prepaid card

Minimum payment due XX/XX/2022. I paid full balance XX/XX/2022 by cut-off time. Interest was charged XX/XX/2022. It is my understanding and appears to say on the statement that if the full balance is paid no later then the due date, no additional interest will be charged. When I phoned Capital One today regarding this matter, they stated it was legitimate. None of the other charge cards I've paid in full have done this, including another Capital One ( Walmart ) card.
Product: Credit reporting or other personal consumer reports

I have noticed some inaccurate accounts from my credit report. I don't have any idea why because I did not in any way authorized them to be on my credit report.
Product: Student loan

I called MOHELA on XX/XX/2023 to correct my student loan repayment amount, as I had received multiple bills in the mail that showed DOUBLE the amount calculated by Studentaid.gov. After waiting on hold for THREE HOURS, I finally reached a representative. She agreed to put my loans in processing forbearance, but when I asked for email confirmation she put me on hold. The call was then DROPPED, and I was left with no evidence that the forbearance was given. 

MOHELA is a shameful excuse for a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in electronic and written disputes. Experian keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a XXXX XXXX credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point Experian has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!
Product: Bank account or service

I have an IRA at US Bank, and they issue account statements for my type of IRA account only once per year. 


I 'm trying to close this account and transfer the money in my US Bank IRA to an IRA that is held by a different financial services company. I 'm working with the other company to complete the transfer process. To complete the transfer, the other company requires a statement from US Bank that is dated within the past 90 days. This requirement seems reasonable to me. 

I recently spoke with a US Bank representative by phone, and I also visited a branch several weeks ago. US Bank considers my months-old account statement to still be the current statement, and says that I 'll need to wait until my next yearly statement is generated, which will happen months from now. US Bank refuses to give me a current account statement that is dated within the past 90 days. 

As a consumer, I believe it is my right to receive account statements more frequently than once per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 account under an open end consumer credit plan as late for any reason. 

XXXX {$43.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies when I found out and they said I have to go thru the insurance company to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, Experian, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.
Product: Credit card or prepaid card

About 4 month ago I started searching for a house to buy so I started paying attention to my credit score and looking into what was keeping it down. I found out I had a credit card open with CitiCard and that they had been charging me {$25.00} every month since XXXX. As soon as I found out I called them to get this resolved. I was bounced around from person to person for a month until I got in touch with someone who could help me. They told me my card still had a balance of {$250.00}, when I asked why I was being charge the {$25.00} fee they said this was the minimum payment. In 8 years, I had paid over {$2500.00} in fees, 10x the balance on my account. I asked them to remove the balance since I had more than paid for it already, they said no. I asked if they could at least stop the fees and I would call back to pay the balance, since their payment department was closed, the representative said they would stop the fees. A week later I noticed my credit score drop by 50 points with the reason that my account with CitiCard had been closed. I was never told that they were going to stop the fee by closing my account. WITH SUCH A LARGE DROP I COULD NO LONGER BUY A HOUSE. After trying, for another month, to get in touch with someone that could help me. I spoke with another representative of the company that told me they would launch an investigation into why my account was closed, re-open my account and help me fix the credit score error, but it would take a month. I waited a month for them to get back to me and when they did no explanation was offered and they did not help me with any of the other issues. As this is all happening my credit score kept going down. I found out today, XX/XX/XXXX, after seeing my credit score drop another 30 points, that they had replace my {$25.00} fee with a {$30.00} late fee instead. The {$250.00} had increased to  {$340.00}. I was never told any of this. I haven't used this card since XXXX when I was in college, I didn't even know it existed and it has become a nightmare. My credit score was XXXX now it's at XXXX. This company has taken away the ability for me to afford a home because of {$250.00} balance that I have paid over {$2500.00} for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act
Product: Checking or savings account

I receive my work paycheck via direct deposit on a weekly basis. Typically, it deposits on Thursday. I am aware that early deposit is not a guarantee. This is my main XXXX account so it gets the bulk of my paycheck, $ XXXX. I checked my account on XX/XX/XXXX ( Thursday ) after XXXX, no deposit. Waited until XXXX, no deposit. I called CapitalOne for an explanation and opted for a callback as hold times were XXXX minutes. The callback was uninformative. Not to mention the agents mic was defective and I could not understand most of his communication. Very bad reception on his end. I was told to call back tomorrow, Friday, the normal day of my deposit. Agent offered no ETA on a resolution. He did inform that CapitalOne would cover any overdraft fees, despite this account not having the ability to overdraft. But when I asked what process I would need to undertake for fees to be covered, he didnt know. Its oxymoronic! CapitalOne has offered no credits in the interim and is not communicating what the technical issue actually is. As of XXXX, XX/XX/XXXX, there is no update, no deposit and still no ETA of resolution. The agents do not have answers and are saying they dont know when this issue will be resolved.
Product: Credit reporting or other personal consumer reports

I have mailed and uploaded these documents 4 times. Transunion continues to tell me they haven't received the documentation. I have certified mail reciepts and email confirming they have received my documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection account from XXXX XXXX XXXX and XXXX XXXX XXXX on my credit file that do not belong to me. Transunion deleted XXXX XXXX XXXX from my credit file on XX/XX/2018 ( please see attachment ), and therefore this account should not have been placed back onto my credit file.Transunion refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX XXXX and XXXX XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Transunion failed to provide me physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify these accounts belong to me. Therefore I believe I'm a victim of mistaken Identity.

Transunion is reporting an account from XXXX XXXX   that do not belong to me. Transunion refuse to conduct a reasonable investigation into the reporting from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CB/LNBRYANT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

My mortgage was transferred to Newrez on XXXX. I was setup on bi-monthly payments with the old mortgage. I switched to monthly payments with Newrez. However, I get two emails every month saying that they are going to withdraw my bi-monthly payment even though it was cancelled. I have called Newrez on XX/XX/XXXX, XX/XX/XXXX, and XXXX to get this resolved. Everyone has promised to get it resolved, but I am still getting these emails and I have to keep calling. Newrez says that I am not on the bi-weekly payment schedule, but during my phone calls with them, I will get a confirmation email saying that the bi-weekly payments have been cancelled. I believe that they are trying to double-bill me for my mortgage despite their reassurances that they are not. I want the double-billing and the emails to stop. But they won't stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed about 5 hard credit inquires that I didnt authorized. The first one being from XXXX XXXX which reportedly was opened XX/XX/XXXX and then 4 from XXXX  XXXX which were reportedly open, one on XX/XX/XXXX, the second one XX/XX/XXXX, third one XX/XX/XXXX, the last one XX/XX/XXXX. I filed a fraudulent report with the FTC.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) More so, Cash App failed to take timely and effective measures to prevent and addressed frauds on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transer Act ( EFTA ) and Regulation E. These actions costed me significant inconvenience and loss, and I seek appropriate redress for these violations
Product: Mortgage

I send my payments every month on time with {$220.00} extra towards the principal. The payments take over a week to post correctly on my account. Sometime causing a late payment. I started sending payments with tracking numbers, so I can see when they received payments. It always get there a week prior to posting. They do it on purpose so they can hold my money without posting on account for up to a week. I have to spend hours on the phone trying to correct the problem.
Product: Checking or savings account

I was contacted to place an Ad in a XXXX XXXX magazine to promote my XXXX XXXX services In XX/XX/XXXX. They sent me invoices I paid with my debit card and they never produced the magazine.On the invoice it states the services I am supposed to get that I did not. I got the run around every time I called they said it was delayed. In XX/XX/XXXX I realized something was not right and I lookied onto the XXXX Website and found pages of other complaints as to the fraud that XXXX did to other people and small businesses. He took their money and never produced the magazine or their ads. I then contacted my bank to report the fraud and dispute the charge. My bank said it was past the 6 month cut off for disputing charges and they could not help but told me to file a complaint with the XXXX which I did. I finally reached an 2 past employees. One her name is XXXX, was able to reach the owner XXXX XXXX who told her he would refund the money to me. He responded to my email saying he would check into the matter and get back to me. When he finally called me he said why dont you just have your bank reerse the charge. I was honest that it was past that cut off time. He said he would check into getting my refund and get back to me. =He has not and will not respond to any of my communications anymore. I have called texted emailed and he will not respond. This man has several company names he does business under. I have all of that information along with all the other fraud complaints toward him and his businesses. He needs to be stopped before he frauds another person. I am a small business a XXXX XXXX XXXX and single mom and am now out {$2000.00} and struggling just to make ends meet. Please help me and the others that have been victims also of fraud as XXXX is still in business with a functioning website phone number and employees. His personal cell is XXXX Business Phone ( XXXX ) XXXX, Email : XXXX AND XXXX These are some of the company names XXXX is using : XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX Here are the two addresses I have for him : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Debt Buyer is trying to collect on an alleged debt that I do not own to them. I have sent to the debt buyer ( s ) a debt verification and validation letter. I have sent to the CFPB a copy of said letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their reporting is causing defamation of character. 
I want them to cease and desist with their defamation of character which is affecting my business affairs. 
EXPERIAN, XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I recently reviewed my credit report and discovered multiple unauthorized inquiries that I did not approve. These hard inquiries were made by the list of companies below with the date ( s ), and I have no record of applying for credit, loans, or services with these companies. I am concerned that these inquiries may have been made in error or as a result of potential identity theft, and they are negatively impacting my credit score.

I have already attempted to resolve this issue by contacting the credit bureaus and the companies responsible for the inquiries, but I have not received a satisfactory resolution. I am requesting the CFPBs assistance in investigating these unauthorized inquiries and ensuring they are removed from my credit report. Additionally, I would like clarification on how these inquiries were initiated and what steps can be taken to prevent future unauthorized activity on my credit file.

Thank you for your time and assistance in this matter. I look forward to your response. 

XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX TWICE, XX/XX/XXXX TWICE, XX/XX/XXXX TWICE XXXX Inquired XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, Inquired on XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX ( enclosed is my drivers license
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I didnt authorized. These inquires are all fraudulent, The Fair Credit Reporting Act ( FCRA ) Section 605B outlines the information needed to dispute fraud on a consumer 's credit file : Proof of the consumer 's identity A copy of an identity theft report Identification of the information in question by the consumer A statement from the consumer that the information is not related to a transaction they made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX