23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

To Whom It May Concern, I have always enjoyed an excellent credit rating and have worked hard to earn such. 
In XX/XX/XXXX, my bank Capital One, without my knowledge, stopped my auto payments ( EFT ) from my personal bank account, to my Capital One Credit Card, issued by the same institution. I had no knowledge that the payments had been stopped. Neither the bank or my credit card company notified my that my credit card was 60-90 days past due, no phone call or email. It was only when I checked my XXXX and XXXX report, that I noticed that my credit card had been unpaid for 3 months. I have called the bank and credit card company trying to resolve this issue only to get a giant runaround. They have essentially ruined my credit.. I am trying to refinance my home and may lose my property because of this. Can you help me to rectify this problem? Your help is greatly appreciated.
Product: Student loan

I am applying for public student loan forgiveness ( PSLF ) for my law school loans serviced by FedLoans. XXXX months ago I resubmitted my employment certifications, even though I have submitted these certifications throughout the life of the loan and my years of employment, many of my certifications were no longer on file. I received a letter from FedLoans and noticed that many qualified payments were not applied. I am now resubmitting the same paperwork, that I have resubmitted many times in the past XXXX XXXX, in an effort to have my qualified payments applied. This nonstop, paper-chasing XXXX by FedLoans is extremely frustrating. I have no reason to believe that when I send in the documents, again, that FedLoan servicing will accurately apply my qualifying payments to my PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Arizona XXXX XXXX XXXX Visa credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card account.
Product: Checking or savings account

I've had issues with Citizens Bank in the recent past. I don't understand why the math is always miscalculated in the banks favor, other than my belief that this bank taxes Customers who are living in poverty. On XX/XX/2018, J made a purchase at XXXX ( online ). While the order was shipped on XX/XX/XXXX, Citizens shows it as a sale on XX/XX/XXXX. I still had {$21.00} in my checking account. Fortunately, I was able to start using credit cards to keep afloat. However, my bank has charged me fees on not having the money in my account that should in fact still be there. I've been charged " fees '' of {$95.00}. However, I'm allegedly {$120.00} in the red. That leaves {$25.00}. {$21.00} is what the " magic math '' reads on my ledger on the Citizens App. I'd like not only my account brought back to good standing, I'd like a full refund of the {$120.00} they will take from tomorrow 's direct deposit paycheck. And, if legal- I'd like them to pay ME a fee for this hassle. {$35.00} would suffice. Thank you for your time and assistance. Please have a beautiful weekend.
Product: Bank account or service

On XX/XX/2016, someone used my account information to make a {$1000.00} purchase at a XXXX store in XXXX, TX. I saw the transaction and immediately contacted Bank of America to inform them that this was a fraudulent charge. I was at work and had not made the purchase. They opened a claim and reviewed it and eventually stated that it was not fraudulent since a PIN was used for the transaction. I filed a police report and contacted Bank of America once again informing them that it was fraudulent and provided them a copy of the police report. I explained to them that I know that there have been incidents where consumers ' account information including access to PINs has been stolen. They reopened the case and again denied that it was fraudulent even with the police report and my statement. They refused to replace the funds into my account.
Product: Checking or savings account

I am an XXXX XXXX studying in the U.S. and recently tried to open a checking account with Truist Bank to take advantage of their {$400.00} promotional offer ( code TRUISTXXXX XXXX As a XXXX XXXX, I was required to open the account in person, so I visited a Truist branch. During the process, I specifically asked the associate to apply the promotional code. However, I have yet to receive any email with access to offers.truist.com to track my promotional status. Ive contacted Truist multiple times, but each time I was informed that no promotional code was applied to my account at the time of opening. This oversight means the associate neglected to apply the code, which feels deceptive. A friend of mine who followed the same steps received his {$400.00} bonus. The promotional offer ended on XXXX XX/XX/year>. I had opened my account on XX/XX/XXXX.
Product: Checking or savings account

i have checking account with XXXX XXXX XXXX account i have stolen checks and cashed XXXX XXXX didnt do any thing for me finally i got my stolen cashed checks copys and i was informed that pnc bank is the cashing bank and name on checks is XXXX XXXX i dont know this person and i dont have account with pnc so my checks was cashed and not my wrigting or my signature on it i think pnc should get my money back from the account was cashed in there bank thank you
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX XXXXXXXX Balance : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$37.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

See all attached proof ( letter from company, previous dispute results, ID theft report, as well as mailed correspondence sent XX/XX/year> ) MAJOR FCRA VIOLATION : You allowed the re-adding or didn't comply with the removal of previous removed accounts
Product: Debt collection

Credit management XXXX XXXX XXXX has sent an {$84.00} charge to collections that is false and doesnt exist. They never sent any bills or have any proof. XXXX themselves, never sent a bill or said anything about any money owed when I simply switched addresses. The company has many people who do not know their job. It is clearly a mixup and they are simply lying to get money they do not deserve. There are many reports of this deceit from this company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I did not apply for credit, authorize this inquiry, or provide my personal information to this company. I believe this is a case of identity theft and request that this fraudulent inquiry be removed from my credit report. 

Additionally, I am concerned that my personal information may have been compromised and misused for unauthorized credit applications. I have not given consent for any recent credit inquiries or new accounts. I request assistance in investigating this matter and taking necessary steps to secure my identity. 

Please provide guidance on next steps to dispute and remove this unauthorized inquiry from my credit report. I am willing to provide any further documentation required to support my claim. Thank you for your assistance
Product: Student loan

During the entire time that Navient has been servicing my student loans, not once have I been offered the option of an IDR PLan because I could n't make my monthly payments. I have been unemployed since XX/XX/XXXX and have been reapplying for various deferments and forbearances. I have maxed out the allowed deferments that I 'm eligible for and now that my last deferment is ending in XX/XX/XXXX, I thought that my only option of deferring payments was through voluntary forbearance. It was n't until I asked about IDR Plans is when the option was ever suggested to me. I even asked the CSR about the different options that are offered under IDR Plans. The CSR acted like there was only one option available to choose from. On the Navient website and the Federal government 's Financial Aid website, I know that there are 4 options that I could possibly apply for : REPAYE, PAYE, IBR and ICR. I wish the CSR could have been more knowledgeable because she acted like I did n't know what I was talking about.
Product: Debt collection

This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX XXXX AND ALSO XXXX XXXXXXXX XXXX XXXXXXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). 

Accounts : XXXX XXXX XXXX for {$630.00} and also another for {$600.00}. 
XXXX XXXX XXXX  for {$6100.00}. 

I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the 1099c cancellation of a debt. certificate of indebtedness is income that must be removed. 

I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DEPT OF EDUCATIONXXXX XXXX Balance {$530.00} DEPT OF EDUCATIONXXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/ 2021 XXXX XXXXXXXX Inquired on XXXX XXXX, 2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 TXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Product: Payday loan, title loan, or personal loan

Foremost the annual percentage rate is 5.99 % on the loan, they are claim that the interest rate is also 5.99 %. Based on the finance charge that they are charging me for the life of this loan is {$3400.00} or .3417 % on the {$10000.00} loan. They claim that they are charging me 5.99 % daily interest. If the daily interest rate is truly 5.99 % how does it equate to {$3400.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND EXPERIAN THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, XXXX ) I contact Capitol one but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Product: Credit reporting or other personal consumer reports

XXXX, trans union, and XXXX always show my credit history as having missed payments. I called XXXX and they said as it was only a one time {$30.00} missed payment they would forgive it. It never disappeared from my records.

Also ; when I spend money my revolving balances go up and remain high even after I pay them. They are quick to lower my credit score and raise my total debt balance, but when I pay off debt credit never goes up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day Equifax allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with Equifax requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
Product: Debt collection

Received a letter from a debt collection company on XX/XX/17 stating that I had 30 days to dispute the debt in writing, which is a violation of my rights since there is more than one way to dispute a debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found a number of inaccuracies, including unauthorized inquiries and accounts with creditors and lenders that I have never done business with. I disputed the inaccurate information with XXXX, Equifax, and XXXX, but I have not received any feedback from them despite it having been over 30 days since I sent them letters requesting investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  I have called and spoken to on many occassions. In XXXX of XXXX I called and was told my account payment due would be froze due to XXXX. On my credit report it is showing a late or missed payment for this month. It was always told to the previously loan holder fedloan servicing as well who didnt fix it. I have tried dozens of times. Please remove this from all credit reports. I should have no missed payments on this. Correct it or face civil legal action. The company last we spoke said they would fix it this was on XX/XX/XXXX when we last spoke. The rep said she would put plenty of notes and agreed she say the previous notes from XXXX showing i called in but it wasnt processed right. Its impacted my credit ever since. Please remove it and provide me a hard copy mailed letter and pdf attachment as well showing removed and no late payments or missed payments ever on this account. Thank you. Please also supply me legal subpoenas mailing address for my demand letters and future attorney mailings.
Product: Checking or savings account

I am a victim of double dipping by wells Fargo and I tried talking to them I was informed that they can charge whatever they want.
Product: Credit card or prepaid card

I have a small balance credit card from Citibank for a Home Depot Account. I have been struggling financially but have still been making payments every month. The promotion on the card was for 12 months of no interest. I am still within the promotional period, but found out that they have added more than XXXX USD in late charges to the account, since XXXX. That is nearly half the balance owed and is a ridiculous amount. I am trying to pay the promotional balance in full to bring the account balance to XXXX, but I can not justify paying Citibank XXXX USD in late fees on a XXXX USD balance. That is asinine and ridiculous. I called to find out what was going on, because my balance seemed off considering the promotional balance due. The agent waived only one fee, and then passed me to a supervisor that stated that they could not waive any more of the charges. I call bologna on that. I know that Citibank has the power to make this right for a customer who is trying to bring their account current and paid in full. I am asking that they waive most of the late charges if not all of them. In exchange I will agree to pay the promotional balance owing and bring my account current on XX/XX/2022.
Product: Debt collection

XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.
Product: Debt collection

I did not receive the original bill and was not given the opportunity to validate the debt. Additionally, I do not have a contract with the collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. 
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Money transfer, virtual currency, or money service

Zelle blocked my profile on the Zelle app and my bank with Zelle like XXXX XXXX XXXX and XXXX XXXX XXXX. And I just got back to United State last week and found out someone stolen my identity and open an bank account and mobile line under my name and registered on Zelle app and received money and now Zelle blocked me on my bank on every zelle on my bank saying i violated the user agreement and I had already file a police report.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft which has caused a great deal of issues in my personal life and financial background. I have accounts on my report that are not something I authorize and have been trying to address the issues for months. All I am able to get from the bureau is that they verified the debt/inquiry and they are valid. My invoking the Fair Credit Reporting Act Section 611 I thought that finally things were going to turn around and I would get some resolution. It has not been over 60 days and no reply. 

Listed below are the items I am still trying to resolve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX store, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX via XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX, XX/XX/XXXX Contract XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXn , XX/XX/XXXX XXXX XXXX . These are all the companies that pulled my credit file fraudulently and cause Inquiries on my credit report account. I have contacted these Individual companies personally and and ask them to contact to reporting agency and remove these Inquiries but they have not.