23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

i was looking to rent a house. this person had a house up for rent i paid {$160.00} for my son and i for a application fees. after i completed the application he then told me i was aprove and to send him a {$1.00} for the security. after i XXXX  him the money he than said to go ahead and send him the first months rent when i tired to send him the money it wouldnt go though. my second time trying to send the money i call me bank which is bank of America the and they told me it was a scam.at this point i already send XXXX so right away i put in a scam claim on XXXX and on monday XXXX i reach out to bank of America because i have'nt heard anything from them about my claim then i was told i wont be getting my money back
Product: Checking or savings account

Direct deposit from employer not deposited into my checking account due to Capital Ones technical issues!!!!
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in months that are reported late 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. 


XXXXXXXX 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: Credit reporting or other personal consumer reports

This is a complaint against XXXX XXXX. My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know when someone used my name to open an account with XXXX XXXX without my consent. I contacted XXXX XXXX but they would not give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that they may have on my profile. I asked them what the name and address on the ID is. I also asked them what places the card was used. They were unable to give me the information I requested and they would not help me confirm the identity of the card user. I am requesting that they remove this fraudulently opened account from XXXX, transunion and XXXX. I am attaching a copy of the police report for identity theft, I am attaching my electric bill from XXXX which confirms my address at the time. XXXX XXXX ' collection department sends monthly unpaid reports to XXXX, Trans Union, and XXXX. I can't pay for something I never bought. I never signed for anything. It's a fraudulent account, no one wants to help me. I have tried to file complaints with XXXX, XXXX, and XXXX XXXX, and they never want to help me. They always deny my complaint. I am asking for help. Please, this has to stop. My credit is ruined by criminals who used my identity. I will never apply for a loan or card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BOA HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With XXXX XXXX I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On Experian and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with XXXX XXXX but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.
Product: Credit reporting or other personal consumer reports

Contacted Experian to dispute some incorrect information through its entirety in my credit profile. From addresses, correct name, wrong employers and the such. There is also many creditor accounts that are invalid. I have requested to have all these out if state addresses removed, these jobs I never worked at, as well as these phone numbers. I also requested to dispute many presumed accounts that I am unaware or had no knowledge of. I asked for validation and only thing that was provided were bills. Each time I try to dispute I was told I couldnt, which I never understood why.
Product: Student loan

My student loan payments have started on XX/XX/05. I was " counseled '' by XXXX back then to put my loans into deferment/forbearance for years until I could find a job. Not only find a job, but one where I could afford the hefty monthly payments. After my initial deferment expired I was forced to go into forbearance. Unknown to me then was that the capitalized interest was running the entire time, which was not explained to me clearly over the phone. Then came the switch to sallie mae, which also did not explain the situation clearly. Then, with the switch to Navient I finally signed up with an Income Based Repayment Plan ( IBR ). Given my low paying jobs I was forced to either send my loan back into forbearance and rack up interest or my loan payment was calculated as {$0.00} given my low wages, which also incurred interest. So, in essence my IBR and a normal forbearance are one and the same, as far as interest goes. The final straw was when I was recently reviewing my loans. I wanted to see the progress I had made with the no interest the past 18 months. Only to find out my FEDERAL LOANS are not owned by the dept of education, thus I was charged interest through the covid-19 pandemic. This company, Navient, is criminal. They explain nothing. I made major decisions, including signing with XXXX at XXXX years old, without any information or explanation. I wish to receive some relief with all this interest i've paid since 2005. On a {$21000.00} loan and 15.5 years later i'm just at {$14000.00}. And that is with my company paying {$100.00} extra a month for student loan relief. Absurd!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my personal information to obtain this fraudulent account in my name through XXXX XXXX XXXX. I did not benefit from any goods or services of this fraudulent account. I filed a police report with XXXXXXXX XXXX XXXX I am requesting for XXXX XXXX and XXXX XXXX to delete and remove this fraudulent account from its system and my credit report immediately or legal actions will be taken against your company. 

XXXX. XXXX XXXX XXXX. Account XXXX ending # XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also asking for the date when the supposed delinquency occurred, which should have been provided to you by the company. I understand that it usually takes seven years for a trade line to be removed, but I would like to know the specific month and year when this trade line will be removed. 

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

Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$27.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
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 # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : 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 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: Debt collection

I have received ongoing calls from this company about collecting a debt to a gym membership. 
Calls from XXXX XXXX : XXXX to XXXX XX/XX/19 ( Now asking me to pay over {$300.00}, I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( call ignored ) XXXX to XXXX XX/XX/19 ( I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) No Caller ID to XXXX XX/XX/19 ( robo call, reached operator, I asked for verification and not to call ) There are  more, but this is all my phone has recorded. 

The account was closed and is fully settled, but I am just upset about the continuous calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter and supporting documents. 

Thank you in advance for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Account number : XXXX XX/XX/2022 To Whom It May Concern : I have been a loyal cardholder of Self Financial for over a year and couldnt be happier with my decision to join the Self Financial Family. Youve always offered some of the most competitive rates and financing and have always provided excellent customer service. 

Unfortunately, in a period of hardship, I took advantage of our relationship and failed to submit my monthly payment on time. It was an exceptionally hard and chaotic time in my life as I was balancing school commitments, and the COVID-19 Pandemic which led to me losing employment. I fully respect my obligations to Self Financial and have repaid every penny I owe and am now working diligently to amend my relationship with you and regain your trust. Please find attached copies of my Self Credit Card status showing Paid In Full in the amount of {$110.00}. 

Recently, I have begun the search for a home. It has come to my attention that the charge off with Self Financial ( from XX/XX/2022 ) may negatively affect my chances of obtaining competitive financing. 

I believe that the late payments and charged off account is not an accurate representation of my credit-worthiness. I am asking and hoping that due to my overall history with your organization and after this account was paid in full, that you would make a goodwill adjustment to your reporting of my accounts to the three credit bureaus, XXXX, XXXX and XXXX. 

In light of my renewed focus and demonstrated commitment to rebuilding trust with your company, I am requesting that you give me a second chance at a positive credit rating by deleting the charge off and late payments as reported on my three major credit bureau files ( XXXX, XXXX, & XXXX ). I sincerely hope Self Financial believes in their customers and I humbly request your consideration to allow me to pursue the house of my dreams. I appreciate your time and hope for a gesture of goodwill and to continue doing business with Self Financial. 


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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # 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

I have recently been trying to improve my credit score so I can get approved for a mortgage. I checked XXXX XXXX this morning and noticed Equifax had deleted the information from my car loan XXXX XXXX Acct number XXXX XXXX overnight. I contacted Equifax and they told me to contact my lender. However, my lender said they have never heard of this issue before and they are reporting this to all 3 credit bureaus every month you will see attached documents which show how it was on my Equifax report prior to them removing it and a statement which states they report to all 3 credit bureaus and this was on my credit report prior to XX/XX/2022. XXXX XXXX has reported payment made in XXXX and Equifax is still updating their credit report. This error has made my credit score drop XXXX points.
Product: Student loan

I can not create an account because it says I already have one, but when I try to recover my login information, it says I don't have an account. I have contacted FedLoans and they could not help me at all. I need an account to qualify for public service loan forgiveness.
Product: Credit card or prepaid card

Cashapp around XXXX XXXX yesterday started charging a lot of people double for certain purchases. In total I got charged double for 6 separate purchases. They took {$150.00} from me. They made one update once yesterday and then didnt bother to update anyone at all anymore. They took everyones money double charging them and then dont say anything else for the rest of the day. Not even a prediction for a time frame of when this will be resolved. Absolutely horrible and shady practice from this company
Product: Credit card or prepaid card

Its over 3 months that I am trying to resolve a charge in my credit card. My problem started when I order a sweater from XXXX, the site has the return policy guaranteed and, I tried to return the sweater immediately I got it, XXXX didnt accept my request and then I contacted Citi credit card they opened my dispute for over 3 months and, I contacted both ( XXXX and Citi XXXX several times but the customer service is terrible, they always promised to resolve it in 3-5 business days but both never did anything! I have everything documented!!!
Product: Money transfer, virtual currency, or money service

I want to speak XXXX customer center just ask general question by phone on XX/XX/2021. I XXXX  and found url ( https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The website almost same as real provides custmer number and provided was XXXX. I found this site was imposter after money taken. 

I called XXXX XXXX and seem like real because it was toll free number. They answered as XXXX and ask me to name, address. They told me that they need to refund me some money so they want me to send money first so verify thats my account. They ask me to also download XXXX XXXX ' that they can control my computer I learned after. I downloaded and they want to me to money XXXX to verify my account to refund money. They ask me to send XXXX XXXX by XXXX I didn't make transacthon After I find out that transaction made same ip address bc they could manage my computer by 'XXXX XXXX ' I found after ask tech people. 

I hung up phone when i felt wired. I called chase representative and XXXX transaction made now and pending told me I immidiately ask to cancel and kept me waiting and status was long pending. Chase representative couldnt cancel transaction even I called immediately even status was long pending. 

after I claim to bank this, bank can not help and really need to help this to protect from happening occur by serious scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX Block Request To Whom It XXXX Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

{ dispute_item_and_explanation } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great XXXX, stress, and financial hardship.
Product: Debt collection

This company NCB Management services Are reporting an account to all three credit bureau in collection and there is no way it is mine has to be some sort of a mistake or something
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There is a collection account reporting the substantial amount of {$990.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 8 months and I have yet to receive a debt verification letter via mail. I also initially sent this over to the credit bureaus in XX/XX/XXXX. I've attached my letter I sent to XXXX as well as proof in my computer on when it was sent. Thank you for your time