23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This Matter Is Involving XXXX Loans on my credit report. 
From : US DEPT ED XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These 2-loan account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of 2022 which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these 2 accounts. And That In fact these 2 loans have never made it out of default. I Was Also Informed that a Fesh Start or a Repayment Program has never been set up. I have been provided documents that coincide with this information.
Product: Credit reporting

I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. EXPERIAN refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request the PUBLIC RECORD account - XXXX XXXX XXXX - XXXX be deleted immediately and no further action taken in regards to this account. This item was already previously deleted from my credit profile due to identity theft and the company is attemopting to reinsert this account in any way possible. This account should be removed immediately and it is still reporting.
Product: Credit card or prepaid card

I had XXXX XX/XX/. The MD and I filled out XXXX forms from EDD and I was TOLD I was sent a card with {$4700.00}. The card was lost several times before I finally got it. 

I finally got the card on XX/XX/2021, ALL THE MONEY WAS GONE except {$48.00} I HAVE BEEN FIGHTING WITH BANK OF AMERICA FOR 2 YEARS. I HAVE SENT IN FILES AND PAGES OF REPORTS I WAS ADVISED TO FILL OUT. THE MONEY WAS STOLEN OFF MY CARD AND TRANSFERRED TO SOMEWHERE ELSE. 

I HAVE NEVER SEEN MY XXXX MONEY FROM MY EMERGENCY XXXX I AM A RESPONSIBLE AND PROFESSIONAL. I AM SO FRUSTRATED, THE BANK HAS BEEN TELLING ME FOR 2 YEARS IT WILL BE SOLVED SOON PLEASE CAN SOMEONE HELP ME!!!!
Product: Debt collection

I want to begin by stating the following story is not an exaggeration. For the last 6 years and I repeat, 6 years, a company known as Commercial Recovery Systems ( CRS ) calls me and states I have an outstanding payday loan. I have never received a payday loan. Back in 2008 I was the victim of Identity theft and hired an attorney to take care of everything regarding false loans. I have sent this paperwork to CRS over the years multiple times. 

This year the calls have increased. I receive a call from CRS XXXX times per week. Each time I answer they tell me the debt is mine, they have court papers they are serving me, they are going to garnish my wages, and much much more. When I try to explain to them that they have the wrong person, they tell me I am a professional debtor and I need to pay my debts. 

I am going mad over the harassment. No one I contact can sue these people. Each attorney I have contacted says this agency does not respond to court documents. How do I stop them? I am asking the FTC to provide me with peace and quiet. Please stop this company who is in constant violation of the Fair Debt Collection Practices Act. No one should be treated the way I am being treated. I have been dealing with this agency since XXXX. It seems like every other year they re-vamp and begin harassing me. I am becoming fearful and I do not know what to do. I have had to freeze my credit bureaus in order to avoid any further identity theft incidents.
Product: Debt or credit management

This company violated my rights and agreed to turn my account current after I made a payment of {$10000.00}. They were reporting false things to my credit report through the pandemic and it played a major role on my credit report and affected it badly.
Product: Checking or savings account

On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX  program so there should be no issue with my mother receiving the funds. 

On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). 

On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. 

My mother called XXXX  XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. 

So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction.
Product: Debt collection

XX/XX/year> XXXX Bank all of my accounts were closed while I was paying starting with CareCare, Rooms to Go, Belk, XXXX, Nissan Credit Card, Sams Club even though this accounts were at {$0.00} they are all stuck on my credit and has resulted in me not being able to get any accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit card or prepaid card

I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX  method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : 2:19-cv-00713-DAK-EJF, requesting Zurixx LLC to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with CITI Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXXXXXXhas been reporting erroneous information to my credit report. I have outlined all of the errors in my attached screenshot. This is making it extremely hard for me to get a home for my family. These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate credit report.
Product: Student loan

XX/XX/XXXX I requested student loan payments I made earlier this year be refunded in accordance with HEROES act totaling just over $ XXXX. After XXXX weeks of no action I called Aidvantage on XX/XX/XXXX and was told the request had been waiting on supervisor approval but was not currently planned for approval. I eventually got said approval requesting the refunds with no further delays. I was told to expect to wait XXXX weeks from XX/XX/XXXX for full refunds. I am now XXXX into waiting for my payments to be refunded in-full as requested. {$4500.00} as of last week has started showing with nothings else reported. Please see attached documentation and listing below. 

Payments : XXXX {$4000.00} XXXX {$8300.00} XXXX. {$7600.00} XXXX : {$20000.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

My son signed up for a free trial offered by XXXX XXXX then unsubscribed before the initial payment became due. But when subsequent credit card statements billed the amount of {$190.00}, I opened a dispute with Barclays. They sent XXXX letters in reply dated XX/XX/year> and XX/XX/year> in which they promised to do their best to represent me, explained additional information XXXX be required, and warned about rebilling my account should XXXX validate the transaction. Included were enclosures purporting to do just that. In response, I mailed them screenshots taken from the merchant 's app confirming that the subscription was cancelled and explaining no other proof of cancellation was available despite my efforts. Nonetheless, Barclays claims they are " unable to further pursue this matter. '' Accrued interest, fees, and the erroneous charges are have become due. They warn disputed amounts, if not paid, will remain a discrepancy on my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX SYNC CARE CREDIT C/O XXXX XXXX XXXX FL XXXX SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL Dear : SYNC CARE CREDIT, I trust this letter finds you well. I am writing to formally dispute the presence of a late payment reported by your organization on my credit report. I believe this late payment to be inaccurate and unjust, and I kindly request the removal in accordance with applicable laws and regulations. 

The late Payments in question are associated with the following account. 

Account Number : XXXX DATE : XX/XX/XXXX XXXX I wish to emphasize my commitment to fair and accurate credit reporting this late payment has had an significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress, and inconveniently being reported when my lease is up therefore the search for a new home has become extremely difficult seeing that my score has fallen below the normal requirements and I'm on the brinks of being homeless. 

It is my understanding that your organization has a responsibility to report accurate information to the credit bureaus. Given My belief that this late payment is not reflective of my payment history. I hereby request its removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration Clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial fees for both parties. 

Therefore, I propose the following option of resolution.

Option 1 : 1 kindly request that your organization promptly remove the late payment from my credit report, thereby rectifying the inaccuracies ensuring my credit history is accurately represented.

Option 2 : Initiate Arbitration Should your organization prefer not to remove the late payment, I am prepared to initiate arbitration.

Proceedings as allowed by our agreement. This process may entail substantial costs and fees, including my filing fee, your filing Fee, arbitration initiation fee an arbitrator deposit, and any legal cost incurred during the arbitration process.

I firmly believe that an amicable resolution is in the best interests of both parties. How ever I am fully prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit Reporting. 

Please respond to this notice within a reasonable time frame to confirm your willingness to remove this late payment. Or to express your intent to proceed with arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter. 

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures fair and accurate credit reporting.
Product: Debt collection

I have never lived in Texas nor have I been to Texas but this company Rentdebt automated collection reported to my credit score that I owe XXXX XXXX XXXX XXXX money. XXXX reported to me and XXXX XXXX company. XXXX and myself tried to call them and report the fraud and they hung up on us. They are using a name that was almost 8 years ago and a fake address.
Product: Credit card

Chase Bank offered to transfer my total balance to their Credit Card .. I was very specific with the man at the Chase Bank in XXXX California that I was not interested in the credit card if Chase was not willing to transfer the whole amount.. I was told with my XXXX credit rating It would be no problem.. then the bank only transfered {$2000.00} which was not what I agreed to.. 

BATE AND SWITCH.. SIMPLE.. I WANT THEIR CREDIT CARD EXPUNGED FROM MY CREDIT REPORT. THE ACCOUNT WAS CLOSED BEFORE THE CARD WAS ACTIVATED..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. I kindly request that you conduct a thorough investigation into this matter and immediately remove this fraudulent public record from my credit report. The continued presence of this fraudulent public record is unwarranted and damaging to my credit standing. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Is trying to collect a debt that is time barred and also reporting illegal and inaccurate information on my credit report. This is a violation of the FCRA, FDCPA and more federal and state laws and statutes. Also you can not report late payments on an open end consumer report. 15 USC 1666b
Product: Checking or savings account

I have an account with Navy Federal Credit Union, checking and Savings. My account has been charged {$20.00} for each overdraft withdrawal. It has been made difficult to pay the amount to restore my account due to all of the {$20.00} overdraft fees. I took a screenshot of some of the overdraft fees added to my account and could upload them.
Product: Credit card

For Capital One Bank acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.
Product: Mortgage

Homeowner XXXX XXXX, an XXXX year old widow, is being unfairly taken advantage of by servicer of his reverse mortgage, Financial Freedom. In XX/XX/XXXX XXXX , XXXX was approved for a Florida Hardest Hit Program ELMORE ( " Elderly Mortgage '' ) grant to pay off delinquent property taxes and property insurance that he fell behind on after his wife died in XX/XX/XXXX. This program grant paid Financial Freedom a total of {$37000.00} on XXXX XXXX 's behalf to cover the unpaid property charges. Of this, {$29000.00} was for past-due property charges that became due before XX/XX/XXXX and {$8000.00} was to be used by Financial Freedom to pay prospective property charges that would become due during upcoming year. The ELMORE Grant Award letter is attached to this complaint for your reference. The {$37000.00} in grant funds were paid over to Financial Freedom on XXXX XXXX 's behalf on XX/XX/XXXX. 

XXXX XXXX 's flood and property insurance policies both became due in XX/XX/XXXX. XXXX XXXX contacted Financial Freedom to make them aware of the upcoming renewals in XX/XX/XXXX. He followed up with his written request that Financial Freedom use the money that was paid to it on his behalf to pay for the insurance policies several times in XX/XX/XXXX and XX/XX/XXXX. 

Despite having more than sufficient funds and information to pay these property charges Financial Freedom has ignored XXXX XXXX requests and has refused to use the {$8000.00} to pay the property charges. Financial Freedom has misappropriated the funds it received on his behalf and refuses to use them for his benefit, as they were clearly intended for. Financial Freedom is effectively stealing money that it received for XXXX XXXX and apparently using that money for its own purposes.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$600.00} 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried to reach out multiple times to correct all of the incorrect names and addresses that are attached to my credit reports. This has become a huge hindrance in me being able to move forward in my life and I need my full name and correct address to be updated by TransUnion, XXXX, and XXXX. I attached my correct name and address via my bank statement and my profiles need to be updated with only this information.