23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, XXXX website and their customer service representative. XXXX reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to XXXX statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to XXXX rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with Experian. I did, and Experian came back to me saying that this is a correct amount according to lender. I spoke to XXXX again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on Experian it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX XXXX XXXX account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.
Product: Checking or savings account

BB & T closed my bank accounts in retaliation after I complained about an unauthorized transaction. I want supposed to receive a provisional credit of {$250.00} which includes the unauthorized amount plus all of the return check fees that BB & T caused even though I had advised them that I didnt authorize this transaction. I was given a credit of {$110.00} only on one checking account. On my second checking account I made three transactions in which the amount was immediately taken from my account and as per this bank the charges were still pending although the money was already removed from my bank account. When I called in about the 2nd checking account being overdraft and me feeling that this bank was purposely charging me overdraft fees probably an hour later all of my accounts was frozen, never receiving all of my credits that was owed to me plus my direct deposit posted today XX/XX/XXXX and they kept that money also. So Im all from checking account one : {$91.00} was taken, {$47.00} was taken, {$76.00} was taken. From second checking account I was given 3 fees that no one can really justify and for my savings account : {$230.00} was held by BB & T.
Product: Credit card

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. BK OF AMER 53**
Product: Checking or savings account

Around XX/XX/2017 I realized that someone I did not recognize sent money to my account, it was about between {$100.00} and {$200.00}. I am not sure when it started but as soon as I realized it I called my bank and asked them to return it as I do not know who it is coming from. I was told by my bank that there is nothing they could do on their end because they don't know who it was coming from being that it was a email or mobile transfer. The agent even joked saying its free money go ahead and spend it because there's nothing they could do about it. I was the agent to block whoever it is coming from so that the issue doesn't persist and to file a claim. After this I was under the impression that this issue was rectified not knowing that this person was still sending me money on a monthly basis totaling {$800.00} after a year. I was contacted by the claims department because someone filed a claim because they have been sending money to the wrong person. I explained what has been going on to the agent doing the claim and she said that she would contact me but none did. The bank went ahead and took {$800.00} out of my account leaving me overdraft without notifying me or getting permission. The agent noted that I gave her permission to take the money out because I do not know the sender and we did not have that conversation. after I told her the situation, I was told that she will contact me back. when I called multiple times they were rude and not trying to hear out the situation. The last lady informed me that I should have been aware of this and not spend the money and I called last year to file a fraud claim which was denied because I cant file a fraud claim for receiving money even if it is from someone I don't know. I told her that I wasn't aware that the claim got denied and I was not aware that this person was still putting money in my account in small amounts monthly, she insisted that I should have paid attention and not spend the money and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 5XXXX U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report..

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate reporting ) and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of ID fraud. I've tried to clear, remove the many negatives items on my credit report for years. I've contacted police departments, accounts in collections, creditors that said I owed them monies. I've gotten collection notices,,, so may over the years & i've given up fighting since the issues have never been resolved. I've lived with bad credit. accounts in collections that I have no knowledge of. Car loans that I'm not aware of. It seemed that banks, collection companies as well as credit bureaus are not helping much and I really can not understand why. I don't have all the accounts full informations since theyre NOT opened by me!
Product: Credit card or prepaid card

I am trying to access emergency funds that were outlined by the CA EDD within this webpage https : //www.edd.ca.gov/about_edd/FAQs_The_EDD_Debit_Card.htm Under the section on the webpage identified as More FAQs and the second bullet point with bold font it has the following : How can I get cash from my EDD Debit CardSM for an emergency situation if I dont have my card? 
Bank of America can assist you with a domestic emergency cash transfer if you need funds from your EDD Debit CardSM immediately and are still waiting for your card to arrive in the mail. Refer to Bank of Americas Schedule of Bank Fees page for fee information on  emergency cash transfers and other services. To request an emergency cash transfer, you must contact the Bank of America EDD Debit Card customer service by calling : XXXX ( voice ) XXXX ( TTY ) Collect at XXXX ( if outside the U.S. ) When I click the hyperlink within the faq it directs me to the following page. https : //prepaid.bankofamerica.com/EddCard/Program/Fee As I research the fee schedule and determine what I am looking to accomplish is outlined in the section named Get Cash in the US with the following verbiage Emergency cash transfer, domestic {$15.00} All emergency cash transfers must be initiated through the Prepaid Debit Card Customer Service Center . 

This is exactly what I am trying to accomplish but Bank of America is incompetent. I called on XX/XX/2020 to discuss my request. I was advised by the phone banker that they were unable to fulfill my request and I needed physically visit a branch to fulfill my request of emergency funds. I visited a physical branch on XX/XX/2020 and was advised they couldnt help me and I needed to discuss my request with the prepaid card customer service. I am being sent in circles with nobody taking accountability. Further I am constantly asked for my debit card which I do not have and waiting on hence my need for emergency funds transfer to my financial institution. What I am trying to accomplish is in writing then I am sure it can be done but the level of incompetence is astounding.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX showed up on my credit report for an account with XXXX XXXX XXXX I sent a letter via mail on XX/XX/2021. I have made 4 attempts since and I have not received a response. They have not been able to verify, validate or send any information regarding this account and it is still showing on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Subject : Charge-Off Dispute Dear XXXX I am writing to formally dispute the charge-off listed on my credit report under account number XXXX. Upon reviewing my credit report, I have found inaccurate or incomplete information regarding this account, and I am requesting a thorough investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

This account is not accurate and there are many errors. 

Section 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( creditors ) from reporting inaccurate information and requires them to correct or delete inaccurate information.

FCRA Section 604 ( 15 U.S.C. 1681b ) outlines permissible purposes for accessing credit reports, which do not include direct reporting of a consumers income. 


The details of the dispute are as follows : Creditor Name : [ Name of creditor reporting the charge-off ] Account Number : [ Account Number or reference number ] Reason for Dispute : [ Explain why you believe the charge-off is inaccurate. Examples include incorrect account balance, payment history inaccuracies, account not belonging to you, identity theft, etc. ] To assist with your investigation, I have attached copies of relevant documents that support my dispute, including [ list supporting documents, such as payment records, correspondence, identity theft reports, etc. ]. Please review these documents and correct the inaccurate information on my credit report. 

As required by the FCRA, I request that you provide written confirmation of your findings and update my credit report to reflect accurate information. If you are unable to verify the accuracy of the charge-off, I request that it be removed from my credit file entirely. 

Please acknowledge receipt of this letter within 30 days and provide a resolution as soon as possible. If you need additional information or documents to resolve this dispute, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

XXXX failured to properly investigate disputes and reinsert inaccurate or unverifiable information onto my credit report, which violates the Fair Credit Reporting Act ( FCRA ). This issue has caused undue harm to my financial well-being and creditworthiness. 
Despite my repeated efforts to dispute the following inaccurate or unverifiable accounts, XXXX has failed to conduct a reasonable investigation and has improperly reinserted negative information into my credit report : The following accounts have been presented on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024 and have not been properly verified or provided proof as requested so deletion is required XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX  XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account Capital One Bank Usa Na XXXX XXXX I previously disputed this account stating : " I previously disputed this account stating : " % { previous_reason } '' I don't agree with the results of your investigation. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Student loan

Need promissory notes to participate in Federal Loan Repayment Program. This started back in XXXX 2017 when I requested them. I did receive a promissory note, but it was rejected as the wrong one. I chatted and asked Navient about this and they said that was the only one. Later they acknowledged there were others and stated the correct one was " processed '' XX/XX/XXXX. Today, XX/XX/XXXX, I am still waiting to receive all the promissory notes for the loans. I do n't understand the delay, as today I am told they will not receive them until XX/XX/XXXX I do n't understand why Navient does n't have these documents. Since they are not sending the original, why ca n't they just send the pdf via email? Still waiting for more than a month on these promissory notes which are ESSENTIAL to my participation in the Federal Loan Repayment Program as an XXXX XXXX -XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELIVERED INDIVIDUAL PICKED UP AT XXXX, XX/XX/2022, XXXX XXXX, XXXX, CA, XXXX to Financial Credit Network Tracking # : XXXX According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I will prove documents that it took them 4 months for them to do their investigation well over the 30-day mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted at least four different disputes to Equifax on the same three accounts and each time Equifax has responded stating that the three accounts have been verified. Equifax has failed to provide a detailed statement of how its investigation of my disputes were conducted and Equifax continues to report the three disputed accounts. I have no idea when Equifax made contact with the reporter of the three accounts. I have no idea how Equifax contacted the reporter of three disputed accounts. I have no idea of whom Equifax corresponded when it communicated with the reporter of the three disputed accounts to verify the information. Equifax is in violation of the Fair Credit Reporting Act because on at least four different disputes on the same three accounts, Equifax has refused to provide specific information on how it verified the accounts and Equifax is still reporting the three disputed accounts. I have had to have a lawyer to file a small claims lawsuit against Equifax. The case number is XXXX in the XXXX County Justice Court, Precinct XXXX, Place XXXX, XXXX County, Texas. My lawyer has has even reached out to Equifax 's lawyer and offered to dismiss the lawsuit if Equifax agreed to remove the three disputed accounts from my Equifax credit file.
Product: Credit card or prepaid card

I placed a pre-sale order at Macy before covid-19, the sales lady told me to pick up the cosmestic after couple weeks or they could deliver to me. But then due to covid-19, Macy was closed, and nobody from Macy connected me. I did not receive the cosmetic from them.

But they send me a letter ask me to pay the bill, and I called them to tell them I did not receive the cosmestic, and I do not want to the cosmetics anymore. They said ok, I do not have to worry about it, they cancelled it. But they sell keeps on called me and sending me letters and penalized me for XXXX. I called them so many times, but still they did not do any investigation. And gave me bad score on my credit score. I am very upset about them.
Product: Checking or savings account

I opened my accounts at the end of XX/XX/2020 with the local branch mamager and becuase I am XXXX anc cannor use online banking, I was told that the paper statement fee would be waived. I have a serveral witnesses that are willing to attest to this fact. Over the past few months, my account has been charged those statment fees, and the manager refuses to address the problem. Customer service also refuses to waive the fee as promised and reuses to put the stolen mpney back into my account.
Product: Debt collection

( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ),   account number  XXXX  because the debt is not mine with the  XXXX   XXXX  credit bureaus on  XXXX ,  2017 ,  XXXX ,  2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested my free annual credit report from TransUnion and I have not received it. On XX/XX/XXXX, TransUnion sent a postcard stating that I already received my free annual report. I have never requested a hardcopy of my credit report from any credit reporting agency before XX/XX/XXXX, therefore, this information is false. The agency also provided no proof of this matter.
Product: Checking or savings account

Despite showing a receipt from the hotel, Cash App is refusing to release a hold for incidentals. The hotel has said they released the funds upon checkout nearly two weeks ago. Still, cash app holds the funds. Moreover, they are refusing to take a receipt from the hotel showing the release. Also, they are refusing to contact the hotel to confirm the hold was released. At this point, cash app has stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED WITH EXPERIAN ON XX/XX/2022 TRYING TO GET INCORRECT PERSONAL INFORMATION AND ADDRESSES REMOVED AND THEY REFUSED TO MOVE IT. ACCORDING TO 15 U.S.CODE 1681 I DIDN'T GIVE ANYONE WRITTEN CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT