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

On XX/XX/2022 I posted a new listing on XXXX XXXX to sell my XXXXXXXX XXXX. A woman named XXXX XXXX messaged me interested in buying the XXXX. She said she can send me the money through XXXX, she messaged me telling me she sent me the money and I received an email from XXXX. The email stated my XXXX account was not a business account so it needed to be upgraded. I have never sold anything before so this made sense and the email said from XXXX support. Following this email, the buyer sent me a message claiming she sent me another {$250.00} to upgrade the account ( also stated in the email ). The requirements stated by XXXXXXXX XXXX email were to send {$250.00} to the buyer to protect them and they will send me the total of {$500.00}. I sent the {$250.00} and continued messaging the buyer until I received another email stating I need to send {$500.00}, at this point, I recognized this could be a scam. I continued to message the buyer to send me back my {$250.00} but they ended up blocking me. I immediately called my bank because the {$250.00} XXXX payment still said " pending '' on my account. The woman working for Chase said they can not stop the payment and will do an investigation but can not guarantee any form of refund for the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE TRANSUNION ARE FURNISHING WITHOUT PERMISABLE PURPOSE.
Product: Mortgage

I've tried to resolve this issue with BANK of America NA concerning a conventional mortgage originated by XXXX  XXXX XXXX that said loan was pooled into a asset backed security called XXXX XXXX XXXX Certificates XXXX XXXX. This was not disclosed by XXXX  or Bank of America NA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b  ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I received an email about a remote job opportunity at XXXX. I saw that this opportunity was being relayed through my school, so I immediately trusted it, and I received information about it on my school email. I signed up for this fraudulent opportunity on a XXXX spread sheet. I signed with my name, address, and things of that sort. The opportunity stated that when hired your job would be to buy, package, and send goods to foster homes. I wasnt too skeptical and when I was told I got the job. A check was sent to my house and the check. It was made out from a restaurant to me. The lady who was texting me, I dont even know if it was a lady at this point, said that it was XXXX of their very close sponsors. I went to cash the check out at the bank on XX/XX/XXXX. The check amount was {$3900.00} and I was told to come back the next day because I had to wait for the check to clear. I was to use XXXX to get XXXX {$500.00} vanilla XXXX cards and send pictures of them to XXXX XXXX, the lady who reached out to me. The {$400.00} would be my cut. I was only able to withdraw {$500.00} the first day, XX/XX/XXXX, and the bank teller told me I had to wait XXXX day for it to clear. I waited XXXX day and went back to the bank on XX/XX/XXXX. The teller told me that the check cleared and gave me {$3000.00} in cash. After I got the cards that the " job '' needed it was too late. I called Citibank on XX/XX/XXXX because I wasn't able to access my account and a representative told me that my card is locked because it is overdrawn by over {$3000.00} and the account connected to the check that was deposited was frozen. I told the bank that wasnt possible and said I would contact the job ''. I was going through my email to look at their information again when I came across a scam email from my school. Ive done some research on situations like mine and after talking to customer service representatives from my bank for hours it doesnt look like I will be getting the money back. A representative opened up a claim for me to possibly get my money back but they are saying that since I withdrew the money I am liable. I dont think that this is fair at all because the workers at the banks are the experts and the bank should have some sort of policy on checks. I really can not afford to pay this amount to the bank and neither can my family. I was only able to get the {$500.00} that was withdrawn the first day and a representative helped me open up a new claim to dispute the {$3000.00} that was withdrawn on XX/XX/XXXX. This could take up to 90 days to process and I can not wait that long to access my account. It has already been nearly XXXX months.
Product: Student loan

My name is XXXX XXXX and I am filing a complaint again XXXX  XXXX who holds one of private loans. The loan number is XXXX. This loan was purchased from XXXX XXXX XXXX several years ago, who purchased it from XXXX the original loan holder a couple of years before that. I have been paying on this loan for over 8 years, and been making large payments for the last 5 years since graduating to get it paid off yet. My payments to Navient alone sum up to around 1200 yet, my loan balance to this day is still {$1600.00}. I have requested an audit on this loan now dating back to the original date of disperment. Each time they have provided me with only a payment schedule dating back to XX/XX/XXXX. They have no paperwork to proide for an accounting from XX/XX/XXXX the first scheduled payment that was made to XXXX to XX/XX/XXXX. No matter how many times I have requested the accounting for those dates, they refuse to provide it. I am not making another payment until they can provide me with the account information from those dates who that I can do my own audit on this loan. I am requesting all documents relevant to an audit done on this loan dating back to XX/XX/XXXX. Once they can provide those documents, We can then move forward to settling this account. 

My information is as follows, The loan is under my maiden name XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. My social security number is XXXX, my date of birth is XX/XX/XXXX and my phone number is XXXX. All paperwork can be sent the address listed, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate account on my reports that I have been disputing for quite some time now. 

They are reporting an open account with inaccurate late payments. How are the late payments accurate if this account is also reporting that there is no balance owed and no monthly payment? 

This account is also reporting that the last payment taken for this account was XX/XX/XXXX but as you can see in the attachment below, there hasnt been any reporting information on this account since XXXX of XXXX. It is the responsibility of the consumer reporting agencies to conduct a thorough and proper investigations into all disputes and it shows that this was not done pertaining to this account. 

These late payments are illegally reporting and I am demanding that this account is to be updated accurately on my reports and all late payments be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Mortgage

I closed on a refinance loan earlier today with a local title company at which I happen to also be a Closer. At XXXX today, a woman showed up at my door with a packet of papers and tells me she is here to close my loan. I told her no, she is mistaken as we have already closed. She refused to tell me her name until I threatened to call the police ( XXXX XXXX and she says she works for herself so have no kind of business affiliation ) or who she got the documents from, and then rather than resolve this error, she drove off with all of my personal, private information printed on documents that I will have absolutely no way to confirm she disposed of properly. I am absolutely disgusted by the blatant disregard that has been given to my personal private financial details and am extremely concerned about my information being mishandled.
Product: Credit reporting or other personal consumer reports

I've tried many times to resolve the issue with TEk-Collect they are ignoring my request. 
i tried sending verification letters to XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXXXXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Debt collection

Last Reported XX/XX/XXXX Collection Agency CENTRAL FINCL CONTROL Original Creditor XXXX XXXX HOSPITAL Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$280.00} Remarks Chapter XXXX ; dispute resolved/ consumer disagrees This account is still reporting on my check report as open. I have disputed this several times to the XXXX credit bureau that this account should be closed and removed from my credit report. The creditor agreed to remove this item from my file. This is having a negative impact on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application.  my credit score was  effected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because in the high balance section of this listing it is reporting ( {$3600.00} ) which is Less Than the Original Balance of ( {$3600.00} ). How could this be? The " high balance '' can not be lesser than the original balance. Please Delete! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report.
Product: Credit card or prepaid card

On or around XX/XX/21 I tried to use my card and found my account hand a zero balance I inquired with the bank and found out the {$40000.00} dollars in my account had been transferred out of my account into a unknown saving account.I didnt make this transaction or have a savings account I tried to submit a claim with Bank of America under claim number XXXX I spoke with XXXX at Bank of America and she said XXXX admit someone had recently added or updated your security questions and it was not you they said since then they have updated their security for your account and advised you to log on to online website and use the forgot user name and forgot password method so you can see a different user name has been previously added to your account
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that XXXX block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX AND XXXX XXXX APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

I recently applied for and apartment.I was not told that my credit will be pulled and besides that it doesnt matter about anything on my credit reportI was denied to fake n false information that this company providedThe living WOMAN..Not the public PERSON.Im not your fiction ALL CAPS ORGANIZATION that the STATE OF MICHIGAN CREATEDI come from GOD.So this fraudulent company has incorrect information on my report & refuse to send me the CREDIT REPORT.I am livid and disappointed in these CORPS.Meadowood apartments has no right to DENY me anythingDISCRIMINATION at its finest.I dealt with this company last summer and I sent them over documents showing that the criminal record was liesSo this XXXX corps once again REPORTING FALSE information so LIVING WOMAN THAT IS MY XXXX do move into areas that is nice.This company claims they dont make decisionsHowever they have FALSE INFORMATION ON MY REPORT AND SENDING IT TO THIRD PARTIES WITHOUT WRITTEN CONSENTBoth companies are in DIRECT VIOLATION OF MY PRIVACY AND his cause me some much stress do to DISCRIMINATIONTelling me that my CREDIT REPORT HAS ANY REASON FOR DENIAL.FRAUD and VIOLATING MY CIVIL RIGHTS AND PRIVATE RIGHTS as a SOVEREIGN WOMANNone of your CORPS GOVERN MEI govern myselfSo I am completely over the lies and FRAUD.And telling living women and MEN that we denied sue to a FAKE CREDIT REPORT SCANDALI want this company investigated due to fact they have FALSE INFORMATION ON MY REPORT.And when I asked for my report they denied it unless I give them my PRIVATE INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

Transunion is so corrupted that they blocked my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. 

I would like to ask transunion how much BRIBE do they receive under the table from these banks and financial institutions???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six credit card that are included in bankruptcy, but they are not mine except one. Let me explain. I never knew what a credit card was or about credit scores. When I saw a credit card commercial I ran my debt card as credit to see if it would go through, so it did and so I thought a debit card was also a credit card. so after that I never paid attention again until I started getting calls every day from people saying I owed money, so I thought that one store card I got was cheating me saying I never paid. So after a month of constant calls I stopped paying that store card because I thought they were messing with me. A week later of constant calls I asked my dad who are theses people and he told me debit collectors. So my dad told me the only thing to do was file for bankruptcy and told me it would stop the creditors from calling and that wouldnt have to pay the {$20000.00}. If I wouldve known about the credit bureaus and would have known that you could file for a fraud investigation, then I wouldve chosen that also because I didnt know a bankruptcy could hurt you really bad. After the bankruptcy I started to learn about credit and how it works and came across this guy on XXXX talking about the FCRA and how to get stuff removed. So now Im trying to get them removed because Im XXXX and Im still living with my parents because of the bankruptcy. Ive sent three rounds of letters to the credit bureaus to verify if it was me with a signed consumer contract by the FCRA section 609 ( a ) ( 1 ) ( A ) and they keep saying it verified, but have no documentation. Ive also sent them a letter from XXXX XXXX saying that the account was not included in the bankruptcy and they still didnt delete and remove the account. So please Im asking for help so that I can get my own place and have a stress less life. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a late payment with equifax. Not only did Equifax not correct the late payment.The added a previously removed chapter XXXX without notice and which should not be there. 

Former case : Submitted to the CFPB on XXXX-XXXX-XXXX Product Credit reporting Issue Public record YOUR COMPLAINT Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.
Product: Checking or savings account

I started a drain cleaning company on XXXX and I went to Chase bank to open a business account. I provided everything they needed and they told me about the option to accept credit/debit cards for payment through the mobile banking app with XXXX. I accepted my first payment ( XXXX ) and that went through as agreed in the terms. I then go to another drain cleaning ( XXXX XXXX ) call on XX/XX/2024 and my customer pays me {$2000.00} for the services with their card. I noticed when checking the business checking account the payment did not go in within the time the first payment went through. I call XXXX and they state that it is under review, but stated Chase received the funds just has not deposited it into my account because of underwriting. I receive an email from XXXX by JP Morgan from someone named XXXX on XXXX requesting information from me about my business and I submitted all required documents ( XXXX, Articles, Invoice ). He responded yesterday that they are refunding my customer their payment made to me for work I already completed. XXXX stated in his email because of the proprietary process, we are unable to share specific details. I also reviewed the terms of service and nothing states I can not us them to process payments for my business for drain cleaning. This is causing a disruption in my business and I dont understand why the payment was sent back to my customer. I would like more information about this situation and detailed information why they didnt release the funds paid to me after I did a drain cleaning job for my customer. This is unacceptable.
Product: Student loan

I have had my student loan since XXXX. I have been paying my payment since then. I did not refinance my loans but several years ago got a letter saying my loans were changed from XXXX XXXX to Navient. I was told I would be eligible for forgiveness in XXXX. I called in XXXX of XXXX to find our what I needed to do having paid all of this time and was told when my loan was changed to Navient the type of loan was not eligible for forgiveness after 25 years not only that tge payment of XXXX dollars a month had not changed the balance at all. I was told I refinanced my lian to Navent from XXXX XXXX and I did not. I am a XXXX and have since advanced My degree and am now paying both l XXXX as if I am a new grad. I am XXXX years old and trying to help my kids thru college as well. I have been scammed with no options of choosing paying thus payment for 25 years having been originally told it would be payed off and then told I did n't have the right type of loan. One I did not choose or informed of an option. 25 years later I have paid this loan off multiple times yet balance is the same. It is a huge scam forced on me and nothing I can do.