23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX ; XXXX ; XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

in XX/XX/XXXX an employee of mine charged almost 20,000.00 to my Lowe 's account without my knowledge or permission. employee was terminated when the charges appeared on my XX/XX/XXXX Lowe 's statement. i called Lowe 's bank, Synchrony Bank, and itemized all of the fraudulent charges. Synchrony then removed all fraudulent charges from my account while they 'investigated '. meanwhile i filed charges in three municipalities against the former employee. after three months Synchrony reapplied ALL the FRAUDULENT charges BACK onto my account. i protested and got the response that the fraudulent charges were mine to deal with since i had given the employee a company credit card. they claim i profited from the fraud in spite of any evidence to the contrary and with police reports to back my statements. getting nowhere with Synchrony i got my lawyer involved in the case. she has tried three times to get Synchrony to respond to her letters and legal requests. in spite of me signing paperwork validating her as my attorney they have yet to reply to her. instead they resent their 'investigation ' report back to ME without any further effort on their part. the former employee has a court date of XX/XX/XXXX to further back my evidence. this is referenced as ; XXXX XXXX XXXX. to add insult to injury i have been paying interest on all fraudulent charges monthly. Synchrony even charges me interest on my purchases each month even though i pay off my new charges every month? PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

Hello my Name is XXXX XXXX XXXX I am XXXX to dispute de following item on my credit report, XXXX have circled the item in dispute on the attached copy of my report Location XXXX XX/XX/XXXXXXXX XXXX XXXX VA XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX Requested On XX/XX/year> Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Checking or savings account

i had fraud on my act in XX/XX/year> and have been dealing with this since and keep getting the run around. they say someone will call within 24 hours and never does. my act is negative over XXXX when it shouldnt be. i cant go to a branch to deal with this because i dont live in california anymore. im soooo beyond annoyed. im about ready to close this account even though i really like this bank besides how they are handling this
Product: Mortgage

I refinanced my home in XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX in the amount of {$620.00}. On XX/XX/XXXX, my loan was sold by XXXX XXXX XXXX to Specialized Loan Servicing. Since that date, I have made the following payments : XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} Since my loan transferred, I have never been credited with the initial {$620.00} payment on XX/XX/XXXX despite forwarding proof of payment and information from XXXX XXXX XXXX on when the payment was forwarded, the amount and who signed for it. I have made well over 20 calls to SLS since XX/XX/XXXX trying to get help in solving this issue. Now 41 days later it still has not been solved despite providing irrefutable evidence that the payment happened and was forwarded to them and signed for by an employee named " XXXX ''. I NEED HELP...... PLEASE! I am beyond myself that this has not been resolved and that the desire to solve it is not there on their end. The resolution that I am seeking is to have the amount credited. I would love to see them sell my loan, but would settle for the credit to my account. Please help and investigate this company. Their ratings on the XXXX website and XXXX are awful.
Product: Vehicle loan or lease

Hyundai Motor Financial {$600.00} that was paid In full and still showing in my credit as I still owe.
Product: Checking or savings account

BBT will not allow me to close two of my checking accounts without mailing in a notarized and typed letter. BBT states that they can not close the account when there is an existing balance. There's {$2.00} in one account. I've told them to either mail the amount to me in a check or allow me to pay the money to the bank ( whatever it takes to close the account ). This will be the third month I will be charged {$15.00} for not meeting the minimum requirements for the accounts, but I do not use the accounts anymore because BBT does not have a branch in the state we have moved to. This has been an unnecessary and prolonged headache that should've been resolved months ago. It should not be this difficult to close my own account. I understand wanting a paper trail of accounts that are closed, but you don't need to make the customer type out a letter, find a notary, and mail the notarized letter when it's XX/XX/2019. I can verify my identity and BBT can make their own note of my closed account without inconveniencing me just to make {$15.00} a month on an account I can't close.
Product: Mortgage

I am in pending foreclosure and I have been working with Chase since XXXX XX/XX/2013 to try to obtain a Modification Loan XXXX. I have submitted numberous paperwork over time to continue getting new XXXX to contact me to start the process all over again. Asking for similar to the same documents over and over again. I am so frustrated about the way they conduct business that I do n't know what else to do. I hope that I can get help. I do n't want to lose my house. I have steady income and the house needs some repairs which I want to fix but I do n't want to invest money if the house is going to be taken from me. Please help or direct my path. Thank you
Product: Checking or savings account

XXXX XXXX deposit was made on my account, which was returned due to NSF. Immediately after, replacement check was mailed out, which cleared to the account. 
After the check was returned, restrictions were placed on my account and I was asked to contact Capital One 360, which I did number of times. I have left voice mails, as well as, sent a letters and email, though no correspondence/call was received by Capital One. 
During this time period, I received a letter by Capital One advising that I might be a victim of ID Theft, which I sent correspondence stating that I was and sent in all supporting documents. After long argument with customer service, I was able to get hold of the correct department, where I was asked what I would like to do with account and my correspondence was that I would like to continue having account with Capital One and take care of the restrictions on the account, which at that point there should have not been any issues with the account. Representative responded that they have already made their decision to discontinue the relationship. I requested to have the remaining balance in the account to be sent to me, when representative advised me that I will need to contact the third party and dispute the transaction on their end, which I do not believe is the right procedure when the bank closes someones account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Balance : {$230.00} XXXX  XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Balance : {$120.00}
Product: Mortgage

Was sent a direct mail from XXXX XXXX XXXX XXXX  regarding me being in my home for XXXX months and being eligible for XXXX VA XXXX refinance. The letter included a XXXX XXXX XXXX worth {$100.00} and said it was as a thank you for your service and due the time in current home. To activate the card you had to call a loan agent though and get their sell tactics for the loan. I listed and said I was not interested but once I did that they hung up and failed to activate the XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX  XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} XXXX XXXX {$590.00}
Product: Payday loan, title loan, or personal loan

XX/XX/19 a personal loan, account # XXXX from the american express national bank for {$14000.00} was sent to a XXXX XXXX  account that had closed earlier. the funds were returned to American Express and a new loan was to be issued. being a member for 31 years, never a problem before Then XXXX broke loose! my amex account has been suspended for non payment of this loan. credit rating severely impacted Because ... a third party involved in processing payments and refunds lost track of {$14000.00}!! 
American Express accepts blame for something that should never have occurred, BUT say it will take 7-10 days to clear my name, and possibly my credit score won't return to previous level. 
this is another online banking sham, ask XXXX XXXX, they are the pro 's
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. Equifax has updated my report with the results of removal of my XXXX XXXXXXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with Equifax. XXXXXXXX XXXX XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.
Product: Student loan

I AM AGAIN OVERWHELMED WITH MY STUDENT LOAN PROVIDER AIDVANTAGE. AS I CONTINUE WAITING FOR THE IDR ADJUSTMENT TO BE MADE BY THE FEDERAL GOVERNMENT ON MY STUDENT LOANS ; I RECEIVED A LETTER FROM AIDVANTAGE SHOWING AN AMOUNT THAT CAN NOT BE CORRECT. I MADE MY MONTHLY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$930.00}, WHICH WAS THE AMOUNT SHOWING DUE FOR THE MONTH OF XXXX. AIDVANTAGE THEN SENT ME A LETTER STATING THAT MY MONTHLY AMOUNT WOULD CHANGE TO {$760.00} FOR THE MONTH OF XX/XX/XXXX. THEN I RECEIVED A LETTER FROM AIDVANTAGE STATING THAT MY LOANS WERE BEING PLACED IN FORBEARANCE AND THAT I WOULD NOT HAVE A PAYMENT DUE UNTIL I HEARD FROM THEM AGAIN. TODAY I RECEIVED A LETTER THAT MY NEW MONTHLY AMOUNT WOULD BE {$4500.00} STARTING XX/XX/XXXX. HOW WOULD MY STUDENT LOAN MONTHLY AMOUNT INCREASE FROM {$760.00} TO {$4500.00}? AND WHY HAVE I STILL NOT SEEN FORGIVENESS OR THE IDR ADJUSTMENT AFTER HAVING STUDENT LOANS FOR OVER 25 YEARS!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Why isn't XXXX following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts. 

XXXX identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


I never received a letter of validation for the record at all and Equifax is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts DELETE THE FOLLOWING ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I XXXX from college with a XXXX in XXXX XXXX. I then went to XXXX. When I was accepted into XXXX I was also trying to get financial aid to help pay for the XXXX. They accepted y request for aid under the circumstance that i paid off my Perkins loan. They would NOT release my money for the XXXX until it was paid, I then paid the load in full, they released my money almost when I was about to XXXX the XXXX. 
Two years later I received a notice from the attorney general saying that my Perkins loan was never paid. I called the school and they said that it was paid and then re opened for some reason. I have been dealing with this for YEARS now and every year they take money from my income tax. I have been fighting this for quite some time now and my credit is hurting because it shows on there that i have a default loan in the Attorney Generals office.
Product: Debt collection

I ran a credit report in XXXX and this debt did not appear ... .9 months later in XXXX ran another credit report and this debt from XXXX XXXX have appeared. This claims to be a debt from XXXX for XXXX. I have been a XXXX XXXX customer since XXXX. I did not receive notice nor any information validating the debt. I have had no contract with XXXX. This is not my debt and I want it removed from my credit report.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I had XXXX traffic tickets when I happened to live into XXXX prior to moving to XXXX and I agreed to pay on a monthly basis payment. As a matter of fact, for some reason I have failed to pay a few months once I moved to XXXX; therefore, according to the XXXX Clerk office and Peen Credit I have been charged of some interest for skipping those unpaid months which made my payment debts piled up to $XXXX which was paid off by check in full through my Bank that is XXXX. Today the Penn Credit that is the debt collector office hired by the XXXX Clerk office denied completely this payment made by my Bank which the entity's representative had provided authentic documents to the Penn Credit Supervisor known under the name of XXXX as a result of conversation over the phone on XX/XX/XXXX at XXXX which was a conference call that involved myself XXXX, the XXXX representative and XXXX the Penn Credit's Supervisor. I'd enclose some relevant documents such as proof of payment, acknowledgement letter of the related debt and ID # of the Penn Credit profile account.


Subject: Acknowledgement of debt


XX/XX/2015

Room: XXXX

CaseXXXX

XXXX
XXXX

Subject - Traffic Ticket Receipts

Dear Clerk Representative,
Per a late conversation with one of your Clerk Office Representatives who stated based upon the XXXX Clerk records revealed that I have XXXX unpaid fines according to my court records. As a matter of fact, I totally acknowledge that I was cited for XXXX. However, I have to claim the paid traffic ticket which was made in the amount of $XXXX by myself to the XXXX Clerk Comptroller Office located to the address above. In addition, I have enclosed the receipts that I have had from the related bank for the XXXX traffic ticket which was evaluated in the amount of XXXX which was agreed under the defendant's consent to make a monthly payment of $XXXX. 
I would love to be reached by the Clerk Office in order to pay off any due payments and having some clarification regarding the XXXX fine that was paid.    
 
Sincerely,

XXXX
P	 XXXX
E-mail. : XXXX


(Penn Credit) ID number: XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA.

I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA.

Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information.

I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information.

Thank you for your assistance in protecting consumer rights under the FCRA.

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

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence that I had provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX  indicating that the debt has been settled. 

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation. 

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action.

Please provide me with written confirmation once the disputed item has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation