23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 


XXXX XXXX / {$670.00} / XX/XX/2022 XXXX / {$710.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.
Product: Student loan

Edfinancial is the servicer on my daughters loans, Ive attempted to pay them off three times and they say it is paid in full but the the payment is reversed. No email or other communication from edfinancial ever received by me or my daughter. I emailed the company to ask why they are reversing payments and no answer.

Interest keeps accruing! And we cant pay this loan.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXXXXXX , is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXXXXXX XXXX, is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



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

Experian : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 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  - Old from XXXX  needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE
Product: Credit card

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have applied for City Bank credit card on XXXX. My application was denied by a non sufficient explanation. During the time of my application I had a high credit score and a clear credit history, which brings me to a conclusion that the cause of the denial was my ethnic identity. City Banks decision was impacted by a segregation against me being an XXXX. I am attaching the denial letter to my statement, and requesting you to please process my complaint. Sincerely, XXXX XXXX My email- XXXX phone- ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I accessed my Equifax account online to temporarily lift a security freeze. I received an error message so I used the companies telephone system and received confirmation this was completed. After receiving notice from a lender that they still can not access my credit I called and spoke to someone who had me upload my drivers license and a selfie to verify who I was and was advised that the security freeze was actually removed from my account and that my report should be accessible within XXXX hour. the hour came and they still can not access so I have called multiple times since then only to be told different information about what is needed including mailing documents to verify my identity but have been advised they dont send notices outlining what I need to send in if anything. Some agents tell me theres agents speculate that theres an internal block that Equifax has placed but no one can seem to understand how to remove it if that is the case. The thing that was placed by me was the security freeze and I have asked Equifax to please remove any internal freezes or locks that they may have however no one can confirm nor can they remove any type of freezes without sending in information that I have yet to be told what to send. It is baffling that I can remove a security freeze with a simple text message code or by logging into my account but now theres somehow this phantom lock deep within the Equifax system that it cant be removed until I mail in documents that if stolen my whole identity is compromised. I have spent my whole day and have lost financing because of this issue. I am tired of spending 30 minutes in a phone tree only to get to someone who has no clue what theyre talking about and can not help me.
Product: Credit card or prepaid card

I applied for a credit card with Venmo which is backed by Synchrony Bank, of course, I put all my correct personal information in the application form, and everything worked perfectly until XXXX day I find myself checking my info in the Venmo app, I notice that my email, and phone number, and address had been changed, I decided to call the customer service department and also observed that the automated system did not recognize the last XXXX digits of my social security number, clearly this information had also been changed, When I finally get to speak to a representative they takes my complaint and tells me that I am going to receive a correspondence requesting some documents, indeed several letters have arrived and I have sent the same information many times, the same forms, I have signed everything I had to sign so that they do their checks and my problem has never been resolved ( on XXXX occasion they told me that they had not received the documentation, which makes me think that they do not have control of their correspondence ), I have talked to many customer service representatives and nobody has answers, honestly, I don't know what to do and although they closed my credit card I have never stopped paying on time. 

Before this situation with this bank, it had also happened to me that credit cards had been requested or issued in my name that I had not processed and I realized this by letters that arrived at my address, which I also reported. 

This company has committed several cases of abuse with my personal information and for proof of this, I am going to attach information from another situation I had with them.
Product: Checking or savings account

I went into the XXXX and XXXX branch to change my checking over to my revocable trust. The teller said I had to make an appointment for this. She made the appointment for me for the following day at XXXX. I showed up the next day at XXXX. The teller told me to wait in the lobby. I waited for XXXX minutes and no one came to help me. I got up and left. Why do I have to schedule my day around this nonsense? If banks are forcing appointments upon their customers, they should honor the appointments they make. This is for the XXXX XXXX XXXX branch in XXXX CA.
Product: Debt collection

Hi I left XXXX over a year ago in pursuit of a cheaper monthly plan due to hardship which on numerous of times was discussed with XXXX Reps. I then went to XXXX who a little while after purchased XXXX. Before doing so, while at XXXX I contacted XXXX who stated I had a bill to settle for about {$300.00} dollars. XXXX would not take the XXXX Note that I had as a trade in so per XXXX I needed to return it and they would credit that to my account and I would only owe what was left and make a payment plan. I spoke to a XXXX XXXX who states they would send me the info to return the phone and after several other attempts that still did not happen I guess due to the pandemic chaos, im assuming. Then shortly after I started to get many many calls every day from a third party collections ( SOURCE RECEIVABLES MNG ), and now an attorney 's office ( XXXX XXXX XXXX XXXX trying to sue and/or harassing me to settle the bill that I have honestly tried to settle with XXXX directly and now charging me over {$2300.00}.
Product: Debt collection

I AM A VICTIM OF ID THEFT. SOMEONE OPENED A XXXX ACCOUNT IN MY NAME. I CONTACTED THE COMPANY THEY SAID THEY COULD NOT FIND ME IN THEIR SYSTEM SO I WOULD HAVE TO START A DISPUTE WITH THE CREDIT BUREAU AND IT WILL BE DELETED. I DISPUTED IT WITH THE CREDIT BUREAUS AND IT IS STILL REPORTING.
Product: Checking or savings account

On XX/XX/2024 I received a checking account fraud alert from BMO. 
After checking my account there were indeed several fraud charges. 
I called their customer service reported it and I was told my bank card would be turned off. 
The following day more charges were made. I called again to report those. Again I was told it was turned off. 
Monday all those pending fraud charges started to clear my account. 
XXXX charges in all, totaling {$2500.00}. 
I went to my local BMO bank. The debit card had not been paused. The XXXX helped me file a fraud report. The card was closed at that point. 
I spoke with the fraud department several times last week and went over the charges with them. 
Today I was told that they had contacted all the vendors about the fraud and the only way I would receive a refund is if the vender pays it back to my account. 
I live in Nebraska these charges were made in California. 
I am being told I will not get this money back unless the vendors refund it.
Product: Checking or savings account

Navy fed XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/2020 Every time I go to this branch I have a different issue. First it's not my bank account because it's a joint account with my husband being the primary. How is this when I opened my account in XXXX and my husband was added at a later date. All I wanted was a cash advance. On my XXXX account. Which is my primary account. I wad very rudely told it was not my account so I couldn't do that. Them I was told that I needed permission from my husband to take money out of our account. Finally ehen I finally had enough I told them to close all 4 of my accounts. Which had way more than the cash advance I was trying to take from XXXX. I always have problems with this branch. I will never use your bank again because of this. I wad told I need to open my own account. Really because the 1 joint checking account and 3 savings accounts mean nothing. What the he'll do I need another account for? I was very rudely told to go back our side and wait. Really I just waited 15 min. Outside to even see the rude teller and her suoervisor. So no im not going outside. This branch is a joke.
Product: Debt collection

Wakefield and Associates placed a collection on my credit report. I was never contacted for any debt. I was only aware of this action due to my credit monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 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 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
Product: Credit reporting or other personal consumer reports

We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do 1 one but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these 2 lates have not been fixed. We have never been late on our mortgage. And the two lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.
Product: Credit reporting

I contacted XXXX who refused giving me assistance about an unauthorized  inquiry on my report and even after getting on the line with a representative of the company who gave his name and ID and all of his personal info. she still didn't take care of it and gave me a hard time
Product: Credit reporting or other personal consumer reports

I HAVE SUPPLIED PROOF WITH THE DOCUMENTS REQUESTED BY LAW THAT I AM A VICTIM OF XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ACCOUNTS WITHIN 4 DAYS OF RECIEVING
Product: Credit reporting or other personal consumer reports

I sent dispute letter to request to remove the fraudulent inquiries because I never authorized them on XX/XX/year> and got no response and they need to be removed XXXX.
Product: Credit card

I have contacted my bank regarding charges on my XXXX Statement for XX/XX/23. The bank has denied the fraud charges on two different occasions. The following transactions are in dispute. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was able to purchase XXXX  fairly easy but withdrawing it has been a nightmare! The withdraw had been pending for hours until I finally emailed them ( yes I had to email them first to even find out it was an issue ) and they asked me to answer XXXX questions. I answered them and they replied saying it will take up to XXXX for the account review team to review my response and process my withdraw!! 
This was time sensitive as I wanted to buy a token that had hit my desired entry and they ruined it! 
Why not ask these XXXX questions BEFORE you allowed me to purchase? They are holding my money hostage! I am concerned they will take my money!
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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/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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Student loan

I worked very hard to get my private loans paid off and my federal loans consolidated with XXXX XXXX, and to keep myself in income based repayment. As soon as Navient took over, they continue to put me in forbearance and/or deferment even though I qualify for both income based and public service forgiveness. Because they have not held the interest during forbearance, by interest now comprises half of my total debt to them. I have made many good faith efforts to fix this, all to no avail, and have resorted to hiring a law firm. Navient should pay my legal/document preparation fees.
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. Accounts : XXXX XXXX XXXX Number : XXXX Accounts : XXXX Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX {$22.00} Never sent my money back after I canceled order XXXX XXXX XX/XX/XXXX {$10.00} unauthorized transaction XXXX XXXX XX/XX/XXXX {$10.00} unauthorized transaction XXXX XX/XX/XXXX {$36.00} Didnt recieve my money back nor received my food
Product: Checking or savings account

Bank of America has randomly closed my XXXX Accounts ( XXXX different accounts ), for XXXX months now every week they change my closure dates. If, it is subject to close on the XXXX for example I call on the XXXX they say closure date has changed. Bank of America has been playing this game well over XXXX  months now. There is substantial amount of money they are holding " using '' for their advantage by not closing out my account and sending my rightful funds. They, have blocked any and every access to all accounts and can not provide me statements, letter or reason for change of dates or why things are still in review. They have caused grave damage to my business and personal health. Bank America still has not closed the accounts and is still moving dates on me.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX experian XXXX XXXX XXXX  XXXX Account number XXXX
Product: Vehicle loan or lease

My vehicle has been determined as a total loss by my insurance company. A payment has been  sent to Santander Consumer USA to apply to the auto loan balance. But, there is still a balance owed. I called Santander to inquire if I may hav e my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.
Product: Mortgage

XXXX is the creator of my current mortgage problem by giving my loan to SLS. 
The closing of my employer is also they cause of my financial problem right now. 
XX/XX/2008 I had a chapter XXXX bankruptcy but my house and my cars was not part of the bankruptcy I also informed SLS about my situation and request assistance they do n't respond attempt to assist me refuse to send me its impossible to get a hold of them when I call the customer service I get transferred to the tird party bankruptcy department and now without working out with me they want to take my home do to the all the XXXX was caused me it had a big tole on my health and I have XXXX and worring about my home is a big contribution to my XXXX I do n't want me and my family become home less but SLS is preparing that for us. 
SLS have such terrible rating that this is how they take peoples home refuse to help I am not allowing them to take my home period I need help now SLS is out of line
Product: Debt collection

Company is claiming to own a bill I do not owe. I am requesting they show validation and verification they do own such debt and provide all subsequent proof. Company was mailed dispute letters along with FTC and XXXX.