23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I disputed a charge on my Citi credit card via their online system in XXXX 2016. The card carried no balance expect for this disputed charge. I called every month for 5 months and kept being directed that the case was noted and that some XXXX from billing disputes would contact me regarding the referenced charge. Meanwhile the XXXX $ disputed charge gathered interest and late fees for over 100 days. Citi reported to the credit bureaus and my Credit score dropped XXXX points! I still have no resolution and have sent certified letters to Citi Billing Disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 a late charge was access to my account with XXXX XXXX. I had automatic pay setup with XXXX XXXX  which was my Walmart card and they were brought out by Capital One Bank. No one notified me as to the fact of the change in companies. So my automatic pay was canceled through XXXX XXXX  and never picked up by Capital One. So at the end of the billing cycle I noticed it hadn't come out of my account so I called XXXX XXXX  and they transferred me to Capital One and explain to me that I would have to set up automatic pay through Capital One. So I did so and I explained to them that I needed that late payment taken off of my account. At that moment I paid the account balance off and they assured me that they would look into removing the late payment. I even put a dispute in through the XXXX XXXX app. I never was late on any payment and now that I'm trying to buy a house this is hindering me. Can you please help me to get this removed off of my credit history due to improper notification. Thank you
Product: Debt collection

This corporate account was established by AAFES during my former employment without my consent. At no point did I agree to accept personal liability for this account. I was instructed by a senior employee to utilize the card for business expenses and to submit requisitions for repayment. These requisitions were not reimbursed to the corporate account, resulting in unpaid balances. The employee responsible for these practices was subsequently released from the company for their misconduct. 

Despite my efforts to resolve this matter directly with AAFES, the company has failed to repay the requisition amounts owed on their account, which has been erroneously attributed to me and collection activities began in XXXX This corporate account was solely used under instructions provided during my employment, and all communication records confirm that the responsibility for this debt lies entirely with AAFES. 

I have also notified XXXX XXXX XXXX XXXX ( XXXX ) of this obligation and my part of the obligation. To clarify and rectify this issue, I am formally requesting the following documents from XXXX XXXX XXXX, the credit card company handling the MILITARY STAR CARD for AAFES, and from XXXX XXXX XXXX XXXX ( XXXX ) : XXXX. ) XXXX signed contract/agreement bearing my original wet signature. 
XXXX. ) Chain of title with proof of assignment, as outlined under UCC Article 9-203. 
XXXX. ) Detailed breakdown of the debt, as required under contract law and UCC principles. 
XXXX. ) Original creditor 's accounting history, as detailed under UCC Article 9-210. 
XXXX. ) Proof of permissible purpose for reporting this account on my credit file, in accordance with FCRA, 15 U.S.C. 1681b. 
XXXX. ) Assignment agreement between the original creditor ( AAFES ) and XXXX XXXX XXXX XXXX, as required under UCC 9-203. 

I expect immediate action to address this matter and to remove any implication of personal liability from my name.
Product: Credit reporting or other personal consumer reports

I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I have a home mortgage with Sun Trust Bank, XXXX. My wife passed away two weeks ago. I attempted to notify Sun Trust so they could update the names on the mortgage. They gave me a number to call, XXXX. When I called I was put on hold for 30 minutes and finally spoke with a lady that was rude, surly, and chewed my out for some information that the agent in XXXX had not provided me. At that point I decided that I would just pay off the mortgage and be done with it. The agent in XXXX told me to call this same number. They put me on hold for 56 minutes then hung up on me. I went by to Sun Trust in XXXX and requested that the agent help me. He refused saying I needed to keep calling the number. I contacted Sun Trust on line and a recording told me it would be a minimum of 30 days to get this information and they would only send it to a Fax machine. All I want is how much I owe on my mortgage and where do I send the check. They refuse to give me this. Any other bank would provide me this information in 10 minutes.
Product: Credit card

In XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number is XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce by simply linking the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. I have done this in the past with American Express Member Rewards Points transferring them to my XXXX account. In XXXX I tried to do another online transfer of XXXX of my points to XXXX XXXX and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that my account is being reviewed at the corporate level, which could take 6 - 8 weeks. She could not tell me anything else. In other words, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
Product: Credit card or prepaid card

I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My XXXX wife ( XXXX XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling my credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The person I spoke to at the bank was XXXX XXXX The bank did not supply any evidence that I applied for this credit card and there is no way they have my signature for this account. I have another account with Capital One that I have had for many years that is not being disputed. How can a bank get away with opening an account in my name without my permission, a signature or any proof of whos opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
Please note that there were 2 fraudulent accounts opened with Capital One and I will file a separate complaint for the other account. Why would any consumer need multiple credit cards with the same institution. The bank definitively should have reached out to me to verify that I was the one opening these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX I
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian removed my FICO score erroneously. I do not understand why, but it was never reinstated. 

I have attempted to contact Experian through all channels to fix this situation ( as the other credit agencies, XXXX, XXXX, all report my account correctly. 

I then contacted my bank, XXXX XXXXXXXX XXXX XXXX, and they found that Experian is not reporting information for my account, and only XXXX and XXXX are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are 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 filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Product: Debt collection

The application does not have my signature and there this should not be reflecting on my credit.
Product: Credit card or prepaid card

Hello, thank you to make the time to read my message. I had a fraudulent withdrawal incident with my Bank of America pre-paid account this week, XX/XX/2022. The location : BoA atm in XXXX  XXXX, CA. The amount is {$800.00}. Immediately I contacted customer service and submitted a claim. I have the confirmation number. I was told that will take 60 - 90 days to investigate. Ridiculous, I explained that I'm in need of the payment immediately. I have to purchase groceries for my family, and gas for my car to look for work.
Product: Checking or savings account

Im trying to transfer money from my Experian account to my XXXX XXXX account, but I cant. Im also unable to withdraw money. I try to use my debit card, and it gets declined. I have no access to move my money in the account, and this has been causing me serious problems.
Product: Debt collection

This is synchrony Ba nk Wal-Mart credit c ard. They call me about  10  times a day every day ranging from  XXXX    XXXX   to  XXXX    XXXX   I 've asked him numerous times to stop calling me as I was without a job and could not pay until I got a new job and I still continue to call m e 10 tim es a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have been reported on my credit file by your company, AMERICAN CREDIT ACCEPT. The inquiry in question was made on XX/XX/year>. This inquiry was conducted without my consent and therefore violated the Fair Credit Reporting Act ( FCRA ), specifically regarding permissible purpose. 

Under the FCRA ( 15 U.S.C. 1681b ), a company must have a permissible purpose to access a consumers credit report. Since I did not authorize or initiate any business dealings that would grant your company such access, these inquiries are unauthorized.

I request that you immediately : 1.Remove the unauthorized inquiries from all of my credit reports ( XXXX XXXX XXXX XXXX XXXX XXXX 
2.Provide compensation of {$1000.00} as stipulated under the FCRA for each violation. 

If you are willing to resolve this matter amicably, I am prepared to sign an agreement that includes the removal of these inquiries and the payment of the compensation without requiring your client to admit any wrongdoing. This would be a mutually beneficial resolution and would save both parties the time and expense of further action.Failure to do so mat also lead meto file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Please be advised that if I am forced to litigate, I will seek actual damages as allowed under the FCRA, including but not limited to costs incurred as a result of these unauthorized inquiries. Additionally, I will pursue compensation for attorneys fees, court costs, and other expenses related to litigation. Below is an itemized estimate of potential litigation costs : Attorney Fees : {$5000.00} - {$10000.00} Court Filing Fees : {$500.00} Discovery Costs : {$1000.00} Expert Witness Fees ( if necessary ) : {$3000.00} Additional Miscellaneous Costs : {$1000.00} Total Estimated Litigation Costs : {$10000.00} - {$15000.00} I urge you to consider the significant expense litigation would entail for your company in comparison to resolving this matter promptly and amicably. 

Please provide a written response to this letter within 15 days of receipt, confirming the steps you will take to address this matter. If I do not receive a satisfactory resolution, I will be compelled to explore additional remedies available to me under the law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Money transfer, virtual currency, or money service

I have Venmo and have for years and I have had money sent many of times and haven't had any problems but restly about XXXX  months ago I was sent XXXX dollars for work I did for someone at there house and the day the sent it it was all go until I tried to transfer it to my bank that evening, it said it would take XXXX but by morning my Venmo account was frozen and had been since I have called them email them and nothing is being doing they don't care and my account is still frozen and I can't do anything about it I need help
Product: Debt or credit management

Hello, my complaint, here is that the negative report stays on your credit report for seven years after the negotiated debt balance, which was reduced has been paid in full. I would like to suggest that would be two years maximum from the date that they negotiated balance has been paid in full.
Product: Debt collection

Received a letter dated XX/XX/XXXX to a XXXX XXXX from Portfolio Recovery Associates, LLC attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to Portfolio Recovery Associates, LLC, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.
Product: Money transfer, virtual currency, or money service

Coinbase XXXX # XXXX At XXXX PM I signed in to my coinbase account. This was quickly followed by a purchase of {$7.00} in XXXX as well as sending of my current holding {$1200.00} of XXXX ; both unauthorized.This was not known by me. I made purchases of {$300.00} in ethereum and {$300.00} in bitcoin.When I pulled up the assets page my {$1200.00} in ethereum had disappeared! I immediately attempted to contact coinbase by phone and email. The phone call was put on hold until XXXX PM then mercifully disconnected- the atrocious violin music on a loop was unbearable. A second call was made at XXXX and the hold time led to a conversation with a human reading a script. The people answering their phones were professional. 
Subsequent phone calls were handled professionally. 
I did not buy the {$7.00} and did not authorize the sending of {$1200.00} to ethereum account XXXX by Coinbase 6. The owner of this account is in possession of stolen goods. 
Using etherscan I was able to see this account at the time was loaded with {$110000.00} worth of crypto of which {>= $1,000,000} was in ethereum. I wonder how much of this was accumulated in The same fashion.Checking the transaction history on the etherscan site shows several transactions from different coinbase numbers and of course one must wonder how much was unauthorized. Perhaps coinbase could cross check other customer issues that ended up with Transfers to account XXXX. The result of such an investigation might provide coinbase with an unpleasant surprise. 
Previous to signing in that night I had no problems. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records. 
see attachments