23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I got XXXX, during my XXXX  I lost everything debit card my phone my social security card all my identification documents I lost everything. During my XXXX  there were a bunch of transactions I did not know about I gave no one access to my account or none of my information, I came home it took me 5 months to get into my account because of chime security measures but chime did not take these security measures as they easily let someone gain access to my account in XXXX. I came home XX/XX/XXXX and 5 months after that I get into my account there was a total of 241 transactions I did not authorize or know about and a total of a little over {$19000.00} of my money spent. I finally was able to dispute these transactions, chime denied my dispute 3 times with no real reason why, this is very frustrating they are not wanting to give me a temporary credit because I did not dispute the transactions in 60 days of it happening, but I could not do anything while I was XXXX  I didnt even know about these actions until I came home from XXXX.they are giving me dispute resolution dates for 60 and 90 days out this is very very frustrating I have kids, I did nothing wrong I want my money back from chime bank.
Product: Checking or savings account

On XX/XX/year>, I transferred {$200.00} from this bank to my XXXX  XXXX XXXX checking account. However, I was unexpectedly charged a {$3.00} Funds Transfer fee, with no prior notice during or after the transfer process. This fee caused my account balance to go negative, resulting in two {$35.00} overdraft fees, also applied without notice. All fees resulted from the {$3.00} Funds Transfer fee and were charged secretly without any notifications. Furthermore, the Funds Transfer fee was not properly disclosed when I opened my account online. When I contacted the bank, they only agreed to refund the {$70.00} overdraft fees.
Product: Checking or savings account

I opened that account but I didn't make those transactions. Oh, that account was stolen. I tried to call the bank and they told me that it was closed due to fraud. I don't recognize any of those transactions. That account was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts and address listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), XXXX. XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX Account : # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX & XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX, Account : # XXXX, XXXX, XXXX has violated my rights. 
XXXX. XXXX XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX, Account : # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX, Account : # XXXX, has violated my rights. 

In addition to the following address : XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX violated my rights. 

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

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  Inquiry Date XX/XX/2021
Product: Money transfer, virtual currency, or money service

i sent money through moneygram to be sent to my brother in XXXX ( XXXX XXXX ) When my brother went to pick up the money the bank told him the pin is invalid. i called moneygram customer service for my refund and they don't want to refund me my money. i am disappointed with their service.
Product: Mortgage

Mortgage banker was deceptive in rushing through the process providing inaccurate information and stating that I had to sign documents more quickly than I actually had to review them. Suggested that I did not need to review documents prior to signing.
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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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. 
( 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 XXXX 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: Student loan

Description of Issue : Loan Information : Original Loan Date : [ Year XXXX ] Loan XXXX BETWEEN XXXX Background : THE AMOUNTS CHANGE ALL THE TIME ANED THE DATES I took out a student loan in XXXX  for my education. Unfortunately, I did not complete my degree and have not obtained a job in the field for which I originally intended to study. 
Despite my attempts to resolve the situation, the loan has been sold to multiple companies over the years. Each time it gets sold, the new company starts the process over, causing significant confusion and difficulty in managing the loan. 
Actions Taken : Initial Dispute : NOTHING FROM THEM Subsequent Sales : the loans were sold to different lender through out the years Recent Communications : filed with cfpb Current Status : Despite my previous disputes and attempts to resolve the loan situation, it remains unresolved, and I am facing ongoing issues with it being sold to new entities. 
Desired Resolution : I seek a clear resolution of this matter, including proper documentation of the loan status, accurate records of payments and disputes, and a fair resolution given the ongoing confusion due to the loan being repeatedly sold. 
15 USC 1681b Permissible Purpose of Consumer Reports This section outlines who can access your credit report and under what circumstances. It requires that anyone who obtains your credit report must have a permissible purpose. 

15 USC 1681c Requirements Relating to Information Contained in Consumer Reports This section specifies what information can and can not be included in your credit report, including the timeframes for how long certain information can remain on your report. 

15 USC 1681e Compliance Procedures This section mandates that credit reporting agencies maintain procedures to ensure the accuracy and integrity of the information contained in consumer reports. 

15 USC 1681i Procedure in Case of Disputed Accuracy This section details the process for disputing inaccuracies on your credit report, including the requirement for credit reporting agencies to investigate disputes. 

15 USC 1681j National Consumer Reporting Agencies This section addresses the responsibilities of national credit reporting agencies to provide you with information about your credit file and the right to receive a free copy of your report under certain conditions. 

15 USC 1681m Requirements on Users of Consumer Reports This section requires users of consumer reports to provide notice when they take adverse action based on information in the report, such as denying credit or employment. 

15 USC 1681n Civil Liability for Willful Noncompliance This section provides for civil liability if a credit reporting agency willfully fails to comply with the requirements of the FCRA. 

15 USC 1681o Civil Liability for Negligent Noncompliance This section provides for civil liability if a credit reporting agency negligently fails to comply with the requirements of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX/XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX Are accounts open due to identity theft.
Product: Debt collection

Due Amount- {$1200.00} Settlement Amount- {$500.00} ( TillXXXXr XXXX ) We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1.You might be immediately sacked by your employer as they will be notified. 

2.Your credit will be ruined. 

3.Your wages can be garnished. 

4.Your bank accounts/credit cards will immediately freeze. 

5.The IRS will put a hold on your Tax return. 

Before proceeding ahead, this is yourfinal chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

That is word for word the email I get minus the account number. It says its for a loan company I never even heard of. They email me constantly. Its never phone calls. It's the same generic email. 

The emailed dates are XX/XX/20, XX/XX/20
Product: Debt collection

I had an old cable bill be sent to Credit Protection Associates for collections. I was well aware of the debt and had planned on paying what I could every month. On XX/XX/XXXX, I sent an email to CPA,  requesting that all phone calls be stopped. On XX/XX/XXXX, I received the following response from CPA : XXXX XXXX In order to locate your account and update it to stop all phone calls, please provide the name of the original creditor, the amount owed, your address and the last 4 digits of your ssn. 



Sincerely, CPA I responded with the information they requested, but the phone calls did not stop. I followed up my email twice, but did not receive any further communication regarding my request from CPA. A few weeks later, I set up a payment plan, the calls continued for a few more days and finally stopped. I had to cancel my payment arrangement due to financial hardship, and I immediately started to get calls. I made a {$25.00} payment on XX/XX/XXXX ( I believe that's the correct date ). The calls continued and continued. On XX/XX/XXXX I sent a certified Cease and Desist letter, requesting once again that all phone calls be stopped and they received the letter on XX/XX/XXXX @ XXXX. Since the date of their receipt, I have received calls from CPA on : XX/XX/XXXX @ XXXX & XX/XX/XXXX @ XXXX Here is the tracking history of my letter : XX/XX/XXXX, XXXX XXXX Delivered, To Mail Room XXXX, XXXX XXXX Your item has been delivered to the mail room at XXXX XXXX on XX/XX/XXXX in XXXX, XXXX XXXX . 
XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX In Transit to Next Facility XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Departed Post Office XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX USPS in possession of item XXXX, XXXX   XXXX I have also attached the email I sent requesting contact be stopped to show that they acknowledged my request and did nothing about it.
Product: Debt collection

The Consumer Financial Protection Bureau ( " Bureau '' ) brings this action against Experian Information Solutions , Inc. ( " Experian '' or " the Company '' ) under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of XXXX  ( " CFPA '' ), 12 U.S.C. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX Account number XXXX
Product: Bank account or service

Spam mail to our mailbox with information we do not want put in the mail. We are on the US governments ( do not mail ) list. We have called Wells Fargo a dozen times. We receive offers every week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently on my Equifax account there is a XXXX XXXX XXXXXXXX account that is reporting on my credit report. The account number for that XXXX XXXX XXXX account is XXXXThis account is more than 7 years and yet it is still reporting on my credit report. I am therefore asking Equifax to please delete this account from my credit report as its old and obsolete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date is XXXX XXXX, XXXX and my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.
Product: Mortgage

The loan on my townhome was taken out in XXXX and serviced by XXXX XXXX. In XXXX this loan was sold to Ocwen whom now services the loan. I have never during the life of this loan made any late payments, however, today XXXX/XXXX/XXXX I received a letter from Ocwen date XXXX/XXXX/XXXX with the following " Initial Due Diligence Letter California XXXX XXXX XXXX '' that indicates they are required by California Law to send me this notice before initiating any possible foreclosure proceedings. This is an official notice that, according to our records, your mortgage is currently past due ... .blah blah blah ... the payment was posted with Ocwen XXXX XXXX/XXXX/XXXX which has been verified by XXXX of their servicing agents. I continue to less and less satisfied each month because of the aggressive nature towards me and the serving of this loan, again which I have NEVER missed nor made a late payment on. Additionally, Ocwen has denied me a refinance with them for a 30 year fixed conventional mortgage where I have not asked to be consider for the HARP and have the balance reduced I only have requested a refinance of the current balance into a 30 year fixed conventional mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 separate hard inquiries on my XXXX report. One from XXXX XXXX, and one from Nordstroms
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
account details below Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7400.00} {$7400.00} {$7400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$8200.00} {$0.00} {$7400.00} Credit Limit : {$8000.00} {$8000.00} {$0.00} Past Due : {$7400.00} {$7400.00} {$7400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a bank transfer was made with out my knowledge I went to every process to prove the fraud police report identity theft report fax picture I'd social security card birth certificate several trips to their branches but that wasn't enough I was told by a supervisor that it was noted as fraud by several supervisor and they changed my personal information and now 5 months later nothing they still denying my refund they keep telling me to wait 45 days for a decision it going on the fourth 45 days this is ridiculous sounds like I'm getting the run around bank of America I don't even bank on line
Product: Debt collection

checked my credit report on XX/XX/XXXX found Caine & Weiner {$91.00} opened on XX/XX/XXXX. I do not have knowledge of this account and to please remove it from my report.
Product: Mortgage

During the COVID pandemic I fell into hardship. I entered into a forebearance plan with XXXX XXXX my original loan serviced. During the forebearance the loan was sold to another mortgage servicer, Freedom Mortgage. Starting in XXXX of XXXX I began being able to make payments on my mortgage again and began to do so with an overpayment. I paid {$2000.00} each time. On two occasions I have contacted Freedom mortgage to come off of the COVID 19 forebearance plan after receiving threatening notices that they were looking into the option of foreclosure. They recently sent a statement that had an offer of coming off of forebearance but if I did not respond by XX/XX/XXXX that I would have automatically denied the offer. The day I was notified of this offer was XX/XX/XXXX. I asked questions about the amount of principle and terms of the loan modification they offered and the agent refused to answer my questions. I was told I would be contacted by a person who would explain these terms to me. Today XXXX XXXX I was contacted by a person to possibly explain the terms of the loan modification but the person wanted to record me and would not consent for me to record the conversation as well. At this juncture I am continuing to pay {$2000.00} for my mortgage which is nearly a {$500.00} over payment to show effort and good faith to bring my loan current. My fear is if the forebearance protections set forth expire they will try to foreclose my property while I am trying to legally come off the forebearance plan as set forth in the government protections in place since XXXX of XXXX. Freedom mortgage to this day has refused to work with me to complete the steps required by law to end my forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : PAVE RIGHT Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX