23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

( The XXXX XXXX ) I made the payment in XXXX that paid the account balance on XXXX. On XX/XX/XXXX I received a late fee and on XX/XX/XXXX the interest posted to the account. Im XXXX I paid the remaining balance which only included the past due fee and interest there was XXXX principal balance. After I made the payment in XXXX I received another late fee of {$34.00} because {$2.00} interest posted to the account. Again the again only has fees and interest because the principal balance was completely paid off in XXXX. The credit card act advises that theses companies are suppose to keep charging fees and interest on a balance that only consists of fees and interest. All purchases has been paid off and the company refuses to credit the fee for XXXX because I paid the fees and interest for XXXX and there have been no purchases made on this account. They need to update my credit report as well.
Product: Credit reporting or other personal consumer reports

Customer Service Number, XX/XX/24 The agent informed me that me lack of a mobile phone means I am unable to open an account at MyExperian and receive my free credit report. 
No exceptions!
Product: Money transfer, virtual currency, or money service

I transferred money to my landlord ( XXXX XXXX ) {$800.00} from my XXXX Bank of America to her Bank of America account. 
They wrongly accused her of fraud and closed her account. I did not know that I was not supposed to transfer money to accounts not under my name because I had a XXXX account, It does not say that anywhere, because of this they closed her account and bofa told her that she can never open up a bank account again. 
It has been 2 months of calling both sides of bofa to recover the money and filing claims with no success at all. Bofa is denying my claims because the transfer went through and it was not fraud. The normal bofa will not talk to me because my account is not with them. XXXX showed me proof that bofa is holding the money and that it is in in their hands called hold safe This is my last resort of attempting to recover my {$800.00} and am already speaking to attorneys on this. 
Bofa is notorious for accusing their customers of fraud without accurate research. 
They just want to hold our money in their books and possibly steal it. 


XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My company XXXX XXXX leased a new XXXX XXXX on XX/XX/XXXX for 3 years 36 monthly payment of {$460.00}. I cosigned the lease. Monthly car payments were done through bank transfer automatically from XXXX XXXX 's account. 
I indicated way back to the dealership in XXXX and again in XXXX, XXXX that I would purchase the vehicle at the end of the lease. Unfortunately the sales person I dealt with left the dealership so no one knew what was going on but more than one person at the dealership told me just come in and everything would be taken care of. 
I singed the papers on XX/XX/XXXX to purchase the vehicle for personal use with the dealership. On XX/XX/XXXX, I found a 37th car payment taken out from the company account. I called Chase on XX/XX/XXXX and was told that " computer did not know the lease was done ''. Further the customer rep blamed the dealership saying Chase credited the overpayment to the dealership and I should ask the dealership for refund. I called and visited the dealership and was promised that they'd look into it. 
On XX/XX/XXXX I called to follow up with the dealership and got nowhere. 
On XX/XX/XXXX, I called Chase and got to a supervisor. He started a ticket to look into the overpayment and promised to call back with an update by Friday. 
On XX/XX/XXXX, I called twice to Chase regarding the overpayment and was told that they would look into it again. 
I don't have the time to keep calling Chase. There was an overpayment and they should refund it.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX from my XXXX account to Coinbase at the instructions of the scammers. 

Scammers wallet that is on Coinbase : XXXX
Product: Debt collection

I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told Navient and was closed/ charged off XX/XX/XXXX. Navient later sold my debt to a collection agency who later transferred the debt to XXXX XXXX XXXX XXXX XXXX. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling Navient to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
Product: Credit reporting or other personal consumer reports

REF XXXX IM FILING THIS COMPLAINT AGAINST XXXX XXXX XXXX. THIS DEBT COLLECTION COMPANY IS CRUEL RUBBED VIOLATED MY RIGHTS. 
THIS COMPANY HAS VIOLATED THE FCRA LAW.

THIS COMPANY SENT ME A ALLEGE DEBT FORM FROM XXXX TO COLLECT A DEBT. ACCORDING TO THE FORM STATING TO SEND IT BACK BY XX/XX/2023 TO DISPUTE THE DEBT. 

AFTER I HAVE RECEIVED THE LETTER, I FILLED OUT THE FORM BY I WANT TO DISPUTE THE DEBT BECAUSE I THINK THIS IS NOT MY DEBT AND SEND IT ON XX/XX/2023 back. THE COMPANY RECEIVED MY LETTER ON XX/XX/2023 TRACKING NUMBER XXXX. 
HOWEVER THE COMPANY WISHED TO REPORT THE COLLECTION EVEN BEFORE THE ORGINAL DATE WHICH WAS XX/XX/2023. THE COMPANY REPORTED THE COLLECTION ON XX/XX/2023 VIOLATED MY RIGHTS. 

AS OF TODAY ANOTHER DEBT COLLECTION COMPANY SOURCE RECEIVABLE MANAGEMENT HAS REPORTED TO MY CONSUMER REPORT. 

15 U.S.Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The information is, in fact inaccurate.

violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of informations, and 15USCode 1681q Obtaining information under false pretenses. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

YOU WILLFULLY KNOWINGLY REPORTED THIS COLLECTION TO THE CONSUMER REPORTING AGENCIES TO HARM ME. ITS OBVIOUSLY SHOWING THAT IT WAS DONE. 
I WILL SUE YOUR COMPANY FOR VIOLATING MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to disclose their method of verification on the alleged bankruptcy they are reporting. Equifax then replied to me with the letter dated XX/XX/XXXX confirmation # XXXX and XX/XX/XXXX confirmation # XXXX claiming that the bankruptcy XXXX was verified by the data furnisher XXXX which is FALSE. I went to the bankruptcy court and its obvious they do not report any information to the credit bureaus ( letters enclosed ). I also went to XXXX directly and from there investigation they are not reporting in bankruptcy in my file ( letters enclosed ). Equifax is falsely stating this information on my credit report and has yet to remove it. 
Based on my own investigation Equifax appears to be in violation of 15 U.S. CODE 1681i ( a ). If you cant provide me proof, that every piece of information is correct this account must be deleted immediately. See enclosed inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$2000.00} account number XXXX. XXXX XXXX, XXXX account XXXXXXXX XXXX The XXXX account number XXXXXXXX XXXX account number XXXX. XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX Account XXXX XXXX charge off closed account XXXX and three hard inquiries that was never given a credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries that need to come
Product: Vehicle loan or lease

i call today to consumer portfolio services regarding my loan account XXXX to pay off the account today the last statement and what are reporting to my credit is that i own {$1500.00} i that include late fees and interest but went i call to pay off and ask for the amount to pay the lady said i own almost {$3000.00} and thats not what the statements or the credit report said. why are they reporting to the XXXX  that i own {$1500.00} in a loan almost {$20000.00} that i been paying since XXXX and went i want to pay today XX/XX/XXXX the amount is she said is higher than what the statement and record said
Product: Prepaid card

No access at all to Rushcard. No web, no automated, no atm ... They 've been making promises to correct the problem since last Monday. My phone is now off and my children cant return to daycare until paid which means no work. They need sued
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.	

AS STATED IN THE FCRA, YOU ARE REQUIRED TO RESPOND TO MY DISPUTE WITHIN 30 DAYS. IF YOU FAIL TO OFFER A RESPONSE, ALL DISPUTED INFORMATION MUST BE DELETED. ALL RELEVANT DOCUMENTATION IS ATTACHED FOR REVIEW. I THANK YOU IN ADVANCE FOR YOUR PROMPT RESPONSE AND RESOLUTION OF THIS ISSUE.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a phone call on my cell number XXXX. The caller said they were from my bank XXXX XXXX XXXX, in the fraud dept. hey said they was suspicious activity and that XXXX transfers were stopped using Zelle. He asked if I had opened XXXX XXXX  account online in XXXX. I had not, nor did I get any alerts that money was transferred out of my account. He said that I need to talk with the Zelle office and cancel these transfers ( which they said they had already stopped ) but that I needed to talk with Zelle and they were going to transfer me. he then gave me a Case number XXXX and XXXX cancel code, XXXX, for a Tranfer of XXXX to XXXX XXXX and the second code XXXX, for XXXX of XXXX to XXXX XXXX. I asked them how dod I know this is XXXX and he said XXXX the number he called from XXXX, which I did and it was a XXXX XXXX  in XXXX Ohio. I then let him transfer me to Zelle. That women had me open the XXXX XXXX  XXXX on my phone then walked me through enrolling in Zelle ( I hadn't been enrolled prior, never used it ) then to verify they had me put in the case number which actually was a phone number. Then use the send button to enter the " cancel " code, which came up as a dollar amount, XXXX. 
It did not work because the account I chose to use was an account that send XXXX. Getting to this point took XXXX minutes ... ..I then realized what was going on and told them that I would contact my bank. After I hung up they called back XXXX time form the XXXX number. After I checked with my bank and re-secured my accounts. I called the XXXX number and XXXX XXXX  XXXX answered and before I could ask, she said was I called about a Zelle transfer. She told me they been getting call all today about this. I then call the " case '' number XXXX and I got an answer, and when I asked about a Zelle scam ... .they said no speak XXXX and hung up. After all this about an hour pasted and the call back again XXXX XXXX XXXX XXXX XXXX started this all over I stopped him and told him I knew it was a scam and he hung up. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$27000.00}
Product: Student loan

On XX/XX/2019 I contacted Doan Solutions in order to see if I can get help to pay my student loans off through a forgiveness plan since I am a a XXXX worker. XXXX XXXX XXXX ext. XXXX whom I spoke me assured me that a fee of {$990.00} was needed in order to process this contract. She based this fee on how much I owed in loans. I was in need of help, so the payments from my debit card was drafted on XX/XX/19 of {$150.00} then the following payments bi-weekly of {$210.00}. Once that was satisfied then the process would begin of {$84.00} a month for 10 years. They forgave $ XXXX of my loans. Sounded good until I called XXXX on 3/11/19 and the rep said I could have done all this for free no charge and with the same type of program I was looking into. What she didn't tell me that since she only needed my income not my husband 's. When I spoke to XXXX they said that would hurt me later on if I had been audited ( IRS ). So therefore I stopped all payments drafted from my account, and will deal with XXXX personally. I think this is a malicious thing to do to people who need the help and are desperate to get a better payment option. Requesting all fees paid to be refunded.
Product: Credit reporting or other personal consumer reports

Dear Experian Team, I am writing to formally dispute the bankruptcy entry on my credit report. I have attached a supporting letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. This document confirms that the information should not be listed on my credit report. 

I kindly request that you investigate this matter and remove the bankruptcy record from my report as soon as possible. 

Please let me know if any additional information or documentation is needed to complete this dispute. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT has DROPPED my credit score by XXXX POINTS for making payments. Balances DECREASED and they dropped me XXXX POINTS FOR GOOD PAYMENT HISTORY!!! Since when does credit scores DROP for payments????
Product: Checking or savings account

On XX/XX/year> I found and unauthorized cash withdrawal on my bank account listed as NON-CHASE ATM WITHDRAW XXXX for {$270.00} on XX/XX/year>. On XX/XX/year> I contacted Chase to report the unauthorized withdrawal, I was credited the amount of the withdrawal but on XX/XX/year> I received a notification from Chase claiming that the withdrawal was deemed not fraud. I requested the address and company name and phone number of the ATM that was used and was not given a phone number but the name of the company is PAI ISO with an address of XXXX XXXX XXXX, XXXX, NY and the time and date of the withdrawal was XX/XX/year> at XXXX. I told Chase that I was no where near that location and when I looked the address up on XXXX Maps it showed that it was a residential neighborhood with no structure having the XXXX XXXX address. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and the only information that they gave me was that the ATM was called XXXX XXXX which when I looked it up did not have an address that matched the on I received from Chase. PLEASE HELP, the amount withdrawn from my account might not seem to be a lot of money but to me it is.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and insufficiently notifying consumers of dispute outcomes. My personal experience aligns with these allegations, as Experian has failed to correct or remove inaccuracies from my credit report.
Product: Mortgage

My husband was diagnosed with XXXX and had to retire from work. We had to live on our savings and XXXX money until his SS XXXX kicked in. He also received some XXXX from work too. This XX/XX/XXXX it was found that we were overpaid from his work XXXX and had to pay this money back. At this time we knew we were n't going to be able to make our mortgage payment because we did n't have sufficient funds coming in. We called the mortgage company immediately to se what we could do, they suggested doing a loan modification. A package was sent to us which we filled out and emailed, faxed and also sent a hard copy, this had to be in by XX/XX/XXXX. Well for reasons unknown to us they never received the package, even though it was submitted 3 different ways. A second package was then completed, once again same thing never received. By now it 's XX/XX/XXXX, so we completed a third package, finally this one was received and I believe only because I called every other day to make sure they were getting it. It took clear till XX/XX/XXXX that we finally received a letter saying that we were approved for a loan modification, but we needed to submit a payment by XX/XX/XXXX of {$4200.00} first and then our next payment would be due XX/XX/XXXX in the amount of {$2300.00}. Now you tell me how this even helps someone who is struggling to make their payments. Had someone done their job and put through the first package we would n't have ended up 6 months behind as it stands now. I feel we are being taken advantage of and nothing has been done to help us. Why could n't they put the 6 months we were behind onto the back end of our loan? Why are they asking for a large amount upfront? Why did our payment or interest rate not go down? My mortgage company is Nationstar which recently became XXXX XXXX and they are based out of XXXX, TX. Will I have to file bankruptcy now to be able to keep my home? This whole situation is just ridiculous, especially after I called immediately in XX/XX/XXXX when I knew I would not be able to make my payment. Our income had been reduced drastically. We paid our XXXX overpayment back and now are getting our full XXXX amount, so we can make our payment if it were reasonable. My husband had stem cells extracted in XX/XX/XXXX, back XXXX in XX/XX/XXXX to repair fractures in his back caused from his XXXX, a XXXX XXXX in XX/XX/XXXX, had another episode with the multiple XXXX in XX/XX/XXXX that caused a XXXX XXXX XXXX, and then had a XXXX XXXX  transplant in XX/XX/XXXX, so needless to say the last thing we need to worry about is losing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORT. THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION XXXX WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING LAWSW BY NOT INVETIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THIS COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! 

REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XX/XX/XXXXTRANSUNION AND XX/XX/XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX TO THE DC AND CALIFORNIA ATTORNEY EGNERAL WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX THEY ARE FOR XX/XX/XXXX IN PROVING MY IDENTITY.
Product: Credit card or prepaid card

I called, and called, and called. I asked to have my account closed due to unauthorized purchase and activities. I have been patiently waiting for my new card for almost 4 weeks now My name is XXXX XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information.

Please find my personal details below for your reference : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX