23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX credit card accounts. The company charged a late fee for the month of XXXX and marked on my credit that I missed a payment/late payment for both ( {$15.00} ). Partial payment was paid in XXXX. At a later date in the month XXXX payment was made of {$700.00} to XXXX card and then {$800.00} for the other card. Shortly after the XXXX payment ... my credit limit was decreased. The other card was fully paid off in XXXX and notice was just sent to me that it was closed. The reason for the closure and decrease was for a lack of real estate account loans, to few bank cards with high limits, balances on accounts too high and to few accounts paid as agree. 

Since the accounts were marked as not paid on my credit ( which in fact they were ) it dropped my score. All of my other cards have XXXX balances, but since they lowered rhe credit limit for the one card after payment it resulted in a higher balance.

I called and spoke with a manager on XX/XX/24 and was told they periodically can check credit and it's stated on the back of my billing statement. There is nothing stating that on the back of my billing statements. I've had the acount for over 3 years and never had anything " periodically '' checked. I was told there's nothing they can do. I disclosed that I find it interesting that after I paid them {$1500.00} that my accounts are being closed and limits dropped. When requested what company my credit was run though since it didn't specify in the letter, she told me that it does say it. I attached a copy of that letter and there is nothing specified.
Product: Money transfer, virtual currency, or money service

My girlfriend left me and when she left she stole a few cards and {$100.00} cash. She has no authorization to these items. One of the items was a Paypal account. She accessed my account ( she is not, nor ever has been authorized on this or any account of mine ) and was able to obtain {$21.00} from my account- again, she was unauthorized. I received notification of this activity and immediately notified Paypal. I also immediately changed my password. Paypal conducted an investigation and in less than 24 hours returned the results which I will be uploading. In its response, Paypal verifies the charge was unauthorized, but because the charge is not authorized, they denied my claim. That doesn't seem like that would be legal, or even ethical.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX  they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.
Product: Credit reporting or other personal consumer reports

I just disputed XXXX with following statement in my credit report. 

-- Also Known as XXXX XXXX XXXXXXXX XXXX -- Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- Telephone Number XXXX
Product: Debt collection

XXXX XXXX XXXX a collection of {$2100.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. 

I am requesting you to please compel XXXX XXXX to remove a collection of {$2100.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report.

2. I was not aware of this debt from any original creditor.

3. Every attempt to call them to settle this has not been fruitful.

4. I was not giving the opportunity to dispute this debts.
Product: Credit reporting or other personal consumer reports

Reporting on Transunion one account that does not belong to me and 3 inquiries the name of the account is XXXX XXXX XXXX XXXXXXXX The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to demand that my privacy rights be respected. 

XXXX, Equifax and XXXX are in violation of my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my rights to privacy, but they have also violated the FRCA. They are sharing my information without authorization, consent or written instruction. I have no contracts with these consumer reporting agencies, and they have no excuse for sharing my information with their affiliates. This is invasion of my privacy and extortion. They are threatening to continue disclosing my personal information until I pay.

This is also a violation of the criminal code 18 U.S. code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft, 18 U.S. code 1028.

In addition to these blatant violations, there are still more problems unresolved. I expect all late payments to be removed and transactions to be excluded from my report. So much of the FRCA has been violated that I have grown weary of finding violations. I will simply list them as follows : 1. 15 U.S. code 1681a 2. 15 U.S. code 1681b 3. 15 U.S. code 1681c 4. 15 U.S. code 1681i I am demanding the cease of improper reporting and knowing violations as per 15 U.S. code 1681s.

In order for equitable relief, I demand the following items be corrected and/or removed without delay and rapid restoration of my report and score, or I will be forced to instruct the CFPB and FTC to do a thorough investigation. 
XXXX. XXXX XXXX - XXXX - account removed from my report. 
XXXX. XXXX XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX XXXX- all late payments removed and listed as " paid as agreed ''. 
XXXX. All XXXX inquiries. 
XXXX. To have all addresses except " XXXX XXXX XXXX, XXXX, Pa XXXX '' be removed from my consumer report. 
XXXX. To have all employers except for " XXXX XXXX '' removed from my consumer report. 
XXXX. To have names except for " XXXX XXXX '' removed from my consumer report.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX XXXX XXXX  XXXX Comments states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. XXXX   XXXX XXXX  XXXX This account shows three 120 day late 's consecutively from XXXX. You can not have the number of day late 's the same more then one month in a row. This is non-factual reporting Please remove this account. XXXX XXXX This account should not be reporting a status date after the final paid date. This is non-factual reporting Please remove this account. XXXX XXXX XXXX XXXX No contract with this company. XXXX XXXX XXXX No contract with this company. Please remove this account.
Product: Money transfer, virtual currency, or money service

I was issued a cashier 's check, however I did not have an account to deposit so I opened an account at a bank and deposited this check believing that the terms and conditions attached were what the bank follow. Few days later the check was return for stop payment. Went to a branch and was told there is nothing they can do and I have to contact the remitter. XX/XX/XXXX-XXXX XXXX. Went to visit the branch where the check was issued and spoke to the manager and was told that the same thing. ( XX/XX/XXXX- XXXX XXXX ) I asked for an explanation as to date and reason and was told there was n't any in the computer at the time she pulled up the transaction. Called the head branch the following day ( XX/XX/XXXX-XXXX XXXX ) and was told the same thing and that there are internal procedures that the bank follow to protect them against the 90 days by affadavit. I went to a branch to uplift a blank copy of this affadavit which I am attaching.
Sent an email to the CEO of the bank today to request an investigation because so far no one investigated the matter. I am frustrated and lost any trust that I have on this bank because it seems as though everyone is for the bank and their customers. No one bothered to look into the matter and explained what happened.
Product: Debt collection

My mortgage was sold by XXXX XXXX  to Flagstar Bank. The transfer date was XX/XX/2021. However Flagstar initiated collection activities on XX/XX/2021. Subsequently I paid my XXXX payment on XX/XX/2021 to Flagstar Bank. 

I was then contacted by XXXX XXXX  XXXX that my XXXX payment was late after payment had been tendered to Flagstar. 

XXXX XXXX
Product: Mortgage

Covid hit and completely halted all of my income for 24 months. Until corporate leaders have people come to the office my leadership development firm was closed. It has started to trickle back. Select Home Mortgage has promised me since XXXX that just one more piece of info and we will do your modification. I have begged to make a payment, but they won't accept XXXX. On XXXX XXXX, the date of Select 's correspondence arrived after the holidays via us mail to my house on XX/XX/XXXX. After opening I tried making a trial offer on payments, however, the offer expired on XX/XX/XXXX the day before I got the notice. Select would not honor a payment and have weekly asked for new things to a point now they are asking the same questions or newer documents in which I have sent everything they have asked. It's just a game to steal my home on account of the epidemic. Every time I talk to them and get the specifications on what they need they tell me I am approved and will be notified in days only to get another request which I have already sent in. I asked for a modification and can make payments. I need help, please. XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am writing to file a complaint about my private student loans with Firstmark Services based on fraud and misrepresentation by my school, the XXXX XXXX XXXX XXXX, Online Division. I attended this school between the years of XXXX and XXXX. The principal balance on my private student loan is {$19000.00} with a XXXX % interest rate. 

I contacted Firstmark Services on XX/XX/XXXX to request the process for private student loan relief. On XX/XX/XXXX I received a response stating : " Unfortunately Loan Forgiveness for borrowers who attended the XXXX XXXX XXXX XXXX is only being offered for Federal Loans. As your loans with us are private we regret they are not eligible for the same forgiveness options. '' They did not provide a process for private student loan forgiveness. 

My school used the following fraudulent tactics : Aggressive and deceptive recruitment and advisory tactics that directed me to borrow private student loans to cover what federal student loans would not. 
Substantial misrepresentation of the average salaries of graduates. The only jobs I could find after graduating in XXXX paid far below the average, and this was also true of the second job I secured XXXX years later. 
Substantial Omission of Fact -- the XXXX XXXX factored in the salary of a world-famous tennis player when creating the average salary range to skew the results. 
The XXXX XXXX XXXX XXXX has since closed because of fraudulent practices Closure notifications in the media : XXXX XXXX : XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX As a result of the misconduct by the Art Institutes, I am paying thousands of dollars XXXX loans and compound interest. I was not able to find a job that paid the average salary promised during my recruitment, which caused me to go further into debt. My desire to attend a post-graduate program to further my career could also be affected. 

Additionally, the Federal Trade Commission 's " Holder Rule '' ( XXXX XXXX XXXX? XXXX ) says that student loans, including private student loans, can be canceled because of a school 's fraud and misconduct based on the school 's deceptive behavior and misconduct -- this includes the misleading tactics that the Art Institutes used to convince me to take out my private student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I disputed public records on my account containing Bankruptcy. The investigation verified the information as accurate. On several dates including via recorded phone calls on XXXX this Consumer was denied the source that provided the information furnished on my report. THIS is a direct violation of my consumer protection right to know the source. This Consumer has submitted documentation from several sources including the XXXX XXXX XXXX  XXXX in question, in addition I have submitted documentation from XXXX. Transunion did an incomplete investigation. XXXX also file a manual dispute with Transunion on my behalf that Transunion refuses to respond to.
Product: Credit card

On XX/XX/XXXX I submitted a claim for purchase protection for losing some items in XX/XX/XXXX. I submitted all requested documentation, but American Express never responded to any of my claims. Claim Number XXXX. 

Earlier this year, I submitted an additional request, but was not provided any update, nor reason for denial.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Request for Deletion of Unverifiable Accounts from Credit Reports I am writing to formally request the removal of XXXX disputed accounts from my credit reports maintained by your agency. As of XX/XX/year>, an investigation was completed by XXXX regarding the following accounts : XXXX XXXX charge-off in the amount of {$460.00} XXXXXXXX XXXX charge-off in the amount of {$1400.00} The investigation concluded with the deletion of these accounts from my XXXX secondary credit report due to their inability to verify the accuracy of the information. As a result, I am requesting that these accounts also be removed from my credit report with your agency, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. If XXXX has deleted these accounts based on their inability to verify the information, your agency must also remove these accounts to ensure compliance with the FCRA. Failure to do so would result in the continued reporting of unverifiable information, which is a violation of my rights as a consumer. 

Additionally, FCRA 611 ( a ) ( 5 ) ( A ) mandates that if information can not be verified, it must be promptly deleted or corrected. I kindly request that you complete your investigation and remove these accounts from my credit report within 30 days of the receipt of this letter, in accordance with FCRA guidelines.

If the accounts are not removed within this timeframe, I reserve the right to take legal action as provided under FCRA 616 and 617. These sections outline my right to seek damages for noncompliance, including actual damages, statutory damages, and attorney 's fees. 

Enclosed, please find a copy of my XXXX credit report showing the deletion of the accounts, along with any supporting documentation that may assist in your investigation. I expect a written confirmation of the actions taken regarding these accounts.

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX, I attempted to send {$2600.00} from Binance.US to my XXXX XXXX XXXX Account. Tracking Number is as follows ; Tracking Number ( Order ID : XXXX ) I waited for over ten days before reaching out to Bank XXXX XXXX and Binance.US. Binance does not have a phone number so I had to submit trouble tickets on line. XXXX  XXXX XXXX notified me that I needed to change my name on my Binance account and gave me different numbers to use. According to them, the money sent should have went straight back into my Binance.US account. 

My Binance Complaint tracking numbers are XXXX, XXXX & XXXX ( One reported that I needed my money refunded and the other reported that I needed to change my name from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. 

XXXX USER ID : XXXX Account name : XXXX XXXX XXXX XXXX Bank Account Number : XXXX Routing Number : XXXX To date I have emailed BINANCE at least 7 times with no response other then one message from asking me if I was still having a problem. 

Appreciate your help XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 we attempted to use our Amazon Account thru our identification process. We could not access our account. We called Amazon and was told that a purchase had been made for {$440.00} for a phone. They took down the information and told us to call our Amazon Chase Credit card. We closed the card and was told that Chase would review the information. Twenty days later, an attempt was made to purchase up to {$7000.00} classes on an alternate credit card listed on my amazon account. The credit card company immediately called me and we closed the account. Over the past 60 days we have made at least 25 phone calls to Amazon and Chase. Amazon tells us they will forward information to Chase that the purchase was unauthorized and Chase sends us a letter that says " We confirmed that the purchase was valid. The transaction will remain as part of your account balance ''. 
On XX/XX/2020 we contacted the third party Amazon vendor of the phone. They stated in writing " It shows you have not placed this order. ''
Product: Debt collection

I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to. 

I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ).
Product: Debt collection

I am not liable for this debt with Credit Control Corp. I do not have a contract with Credit Control Corp. 
Also they did not provide me with the necessary original contract as requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute to XXXX, XXXX and Transuion to dispute inaccurate information on my report. after 45 days and no response I contacted each credit reporting agency to ask if they received my dispute. They all confirmed that they did not receive my dispute even though I have proof and tracking that each company did indeed receive my dispute letters. I have attached the tracking receipt with the dates and addresses of the companies. I ask that someone hold them accountable for not taking this matter more serious I have several items that need attention on my report and it has now been two months since I first started this process
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}
Product: Debt collection

I noticed accounts reporting that I do not recognize when I recently examined my credit report.
Product: Mortgage

Unable to receive any monthly statements for a loan that I opened in XXXX 2014
Product: Checking or savings account

I deposited 3 United States Treasury income tax checks for XXXX, XXXX & XXXX on XX/XX/XXXX with a bank teller @ the 5/3rd branch. 

I tried to use my atm card on XX/XX/XXXX at a restaurant & was advised that my card was locked. 

I called the bank 's customer service XXXX # the next day and was directed to The Fraud Detection Department ; in which they suspected fraudulent activity & needed copies of my 1040 IRS tax returns. I told them I've never heard of a customer having to submit 1040 tax returns, when cashing United States Treasury income tax checks. I went to the branch & was on a conference call with the fraud department & a banker, in which I was asking the reason for submitting documentation to go along with cashing U.S. Treasury checks. They just stated to show proof of these checks. 

I feel this is unlawful for any bank to request tax returns, in order to cash United States Treasury checks. I've never in my lifetime been asked to submit 1040 tax returns to cash these government income tax checks. I've been banking with 5/3rd bank for over 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called capital one at XXXX XX/XX/XXXX today because my credit card account was closed. I was not warned in advance that it would be closed. I was told a letter was in the mail yesterday to alert me. The supervisor I spoke with on the phone stated that it was closed due to an error on the companys account when I was offered the credit card. I was told my account would not be reopened and a letter would be issued to the credit bureau within 90 days. I am in the process of purchasing a house and my credit score as of todays date had already dropped by XXXX XXXX. This can not be legal or acceptable and my issue is not resolved. The account was paid regularly with little to no balance each month.