23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to request assistance in resolving a dispute on my Fifth Third Credit Card. On XX/XX/XXXX, I reserved a hotel room in XXXX XXXX, FL for a conference. I used a third-party website to make the reservation, and when I received the electronic receipt realized that a huge number of additional fees had been applied to the charge, such that the total charge was {$2000.00}. I immediately tried to cancel the reservation and received a receipt ( see attachment 1 ) that documents that I had done so on XX/XX/XXXX. This receipt also specifies that there would be a free cancellation before XX/XX/year>. This charge was not, however, removed from my credit card. 
I then initiated a dispute through Fifth Thirds dispute resolution line. I explained that I had canceled the reservation and had not received a refund. I was informed that the dispute resolution could take up to 30 days. On XX/XX/XXXX, I received a text referencing my reservation number ( XXXX ) stating that my refund was being processed and that it could take 2-10 days to see the funds in my account ( see attachment 2 ). On XX/XX/XXXX a credit was applied to my account for the {$2000.00} ( see attachment 3 ). On the same date a credit of {$53.00} was applied with the note Dispute Resolved. 
On XX/XX/XXXX I was recharged for this amount ( see attachment 3 ). I again contacted Fifth Thirds dispute resolution team and on the phone was informed that the charge was considered legitimate and the credit to my account on XX/XX/XXXX had only been applied while the dispute was under review and that now that it had been resolved in the vendors favor, I was being recharged. I stated that I wanted this dispute to be reopened and that I wanted to be able to send documentation of the fact that I canceled this reservation well before the deadline. I was provided with Fifth Thirds dispute e-mail and sent an e-mail providing the receipt ( attachment 1 ) and the text ( attachment 2 ) on XX/XX/XXXX ( see attachment 4 ). On XX/XX/XXXX I received written correspondence from Fifth Third bank that they had again found the charge legitimate and resolved the dispute in the vendors favor due to documentation provided by the vendor, which was included with the correspondence ( see attachment 5 ). Pages 5-11 of this correspondence appears to document a charge and provide a receipt very similar to the one I received ( and provided as attachment 1 ), but it is for a XXXX XXXX for different nights and at a different location. 
Please let me know if there is additional information I can provide and what the next steps will be in getting this charge removed fully from my credit card. 

Best, XXXX XXXX
Product: Debt collection

On XXXX XXXX,2017 for Macy 's Executive Office XXXX XXXX send a letter to Consumer Financial Protection Agency on any collection that was paid and still Macy 's reporting a charge or collection on my credit reports.Why did n't XXXX XXXX send me a copy of the letter so I can have for my file? Collection company stated that they did n't have no records of account of Macy 's on their date, but on my credit report with XXXX, XXXX and XXXX is still on display.Macy 's Executive XXXX XXXX contact XXXX Ext.XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, at XXXXXXXX XXXX XXXX, we called Bank of America about the amount left on the credit card after transferring {$90000.00} to another card. The amount remaining was {$470.00}. Our question was by what date does the balance have to be paid to avoid any more interest on the account? We were told interest would accrue on XX/XX/XXXX, so it must be paid before that date. 
The full amount was paid on XX/XX/XXXX and the account showed a {$0.00} balance. On XX/XX/XXXX we received via email a new bill for that credit card for {$110.00}. 
On XX/XX/XXXX, we called Bank of America, to ask why we were charged the interest. We were told the {$470.00} payment went through on XX/XX/XXXX paying off the account in full. On XX/XX/XXXX, interest accrued and was charged to the account. 
We asked for a refund or reversal of the interest since there was not a balance when it was levied. The customer service rep, submitted the request. After waiting over XXXX minutes she came back on the line to tell us the request was denied because there was no bank error. We asked to speak to a supervisor and were told there was nothing we could do but pay the bill, there was no way to dispute the decision because it was done by the system. We are writing to dispute this charge we did what we were told to do by the bank to avoid the interest and were still charged interest on a {$0.00} balance. We want the charge reversed, with no hit to our credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX acct # XXXX, bal. {$1800.00} XXXX XXXX  acct # XXXX, bal. {$1300.00}, anlso XXXX collections XXXX XXXX acct # XXXX, bal. {$200.00}, XXXX XXXX XXXX, acct # XXXX, bal. {$1800.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections. and hard Inquiry are the results of identity theft and fraud
Product: Debt collection

Unpaid collection on my credit report from 2018. I am a victim a few times over with identity theft. There is a breech in nearly everything. I have no record of this account and have tried deleting it directly with the companies. I do have active cards with the card company that I do use
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Debt collection

Since XX/XX/18 I have been receiving calls from the following phone number : XXXX in XXXX, Washington. I am a XXXX, and my XXXX is in XXXX, Washington so when the first call came in, I picked it up, thinking that it was her. It was not. Instead, what I heard was someone mumbling something about what sounded like being transferred to 'customer service ' and then an automated recording stating the following : You will be on hold for a long time. Would you like to listen to music? Press 1. For Silence, press 2. I  hung up at that point. At no time did the caller or the automated recording say what company they were calling from. Since that time I have been averaging 1-3 calls daily from this number for a total of 34 to date. They do not leave a verbal voice mail message, although on a couple of messages the sounds of talking and office sounds can be heard in the background. After the first call, I did block this call from my phone, however they continue to call. 

My research indicates that this is a debt collection agency, however, I do not have any outstanding debt, whatsoever. Also, when I checked the XXXX XXXX reverse lookup they indicated that this is high risk number for Spam/Fraud. Also I am on the Do Not call registry
Product: Credit card

In XXXX and XXXX, I contacted Capital One multiple times regarding issues with my account related to property theft. I filed a police report concerning the suspect who stole my items. When I reached out to Capital One to dispute unauthorized charges on my account, they did not request a police report or any documentation. Instead, they opened a case for investigation. Approximately 30 to 60 days later, I received a letter from Capital One stating that their fraud department had resolved my case, but the disputed charges would remain on my account as of XX/XX/XXXX. 

I then called Capital One again due to ongoing harassment regarding overdue card payments and an impending account closure. I reiterated the incident involving my account to the representative, explaining that they had not conducted a thorough investigation and had not requested any supporting documents from me. I insisted that the disputed charges were not mine. Despite this, Capital One continues to charge interest on the card payments, and any funds I had previously deposited have been unjustly taken from me. my rights has been violated under the fair credit billing act ( FCBA ), Fair debt collection practice act ( FDCPA ), and consumer financial protection bureau ( CFPB ) theyre harassing me in the form of repeating calls. 
I have email the CEO of the company explaining my problem that I was having and its been a year and still no response. Futhermore, closed one of my other accounts as well. 

I have attached copies of all correspondence to show how they failed me as a customer & ruin my credit as well I have attached the current bill that near {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft since XX/XX/. I've habitually sent Equifax and XXXX multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.
Product: Credit card

discover card has been reporting me to the credit reporting agencies while i have been paying them as i agreed since XXXX of XXXX this company also reported to the credit reporting agencies as charge off while i am paying them and also the balance they reported not reflect what the balance i won.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX EST, I called Experian to let them know they were VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I made them aware of the following accounts on my consumer report " containing information solely as to transactions or experiences between the consumer and the person making the report '' ; Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I requested these alleged transactions be removed from my consumer report that should NEVER have been included in a consumer report, because they solely contain information to transactions between me ( consumer ) and the following persons who made the reports ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. 

I also brought to their attention that I was not being treated fairly and impartially because they never contacted me, the consumer to find out if these transactions ever took place during their initial investigation, which was a violation of my privacy ; Pursuant to 15 USC 1681 ( a ) ( 4 ). 

I made Experian aware that their mishap in adding these items to my consumer report has ruined my reputation and adversely affected my credit worthiness and demanded they remove these items from my consumer report. 

I was told by Representative XXXX and Supervisor XXXX that Experian has no system in place to remedy their wrongs. Futhermore, they will not remove these transactions from my consumer report which violate the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, cbc innovis, XXXX XXXX and XXXX on my XXXX and XXXX   delete, no written signatures.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the Equifax 's reporting of inaccurate and incorrect information on my credit report. This misinformation is causing significant harm to my credit score and financial reputation. I have reviewed my credit report thoroughly and can confirm that the reported item in question is inaccurate. As a result, I am requesting that this incorrect entry be deleted immediately to prevent further damage and to ensure my credit report accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts listed below are fraudulent and is being reported illegally on Experian. 

XXXX XXXX {$680.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX XXXX XXXX XXXX  {$880.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Acct # XXXX XXXX XXXX XXXX {$200.00} Acct # XXXX
Product: Debt collection

I am constantly contacted about another person with my name. This has went on for several years. She has a different birth date and social security number. The creditors ask me if I know that person or how to contact them. They call my family, etc. They are disbelieving when I tell them I am not that person. I have to give them my birth date and last 4 of my social to get the calls to stop. The latest call was from XXXX XXXX XXXX. ( XXXX ) XXXX. They are usually about student loan debt. Is there a way to stop these calls? They will stop for a while, then start back up again in waves by different companies.
Product: Credit reporting

Experian placed a credit inquiry on my report with out documenting the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX showing as account to me / FTC violations not known to me best of my knowledge
Product: Credit reporting or other personal consumer reports

I reviewed my current credit report and noticed that I had a XXXX late payment from Wells Fargo Auto. I contacted Wells Fargo and requested information that confirms the accuracy of this information. I did not receive any information from Wells Fargo Auto. It has been over XXXX XXXX. I have disputed this information with the credit bureaus, and they have failed to perform the proper investigations and provide me with information from the creditor that confirms the accuracy of late payment status. I believe this clearly in violation of the FCRA, 15USC 1681 ( e ) ( b ), and XXXX XXXX compliance 17A ( 1 ). This account was paid as agreed flawlessly and paid off early. The account was opened XX/XX/XXXX and closed XX/XX/XXXX. This late payment continues to inaccurately report on my consumer report as of XX/XX/XXXX.
Product: Checking or savings account

My bank account with Wells Fargo was accessed and funds stolen by a unknown individual/ group. A police report was filed and Wells Fargo was notified as soon as I noticed the issue. 

Wells Fargo has returned roughly {$900.00}, but is refusing to return ~ {$1500.00}. They also allowed additional pending transactions to go through after being notified of the fraud, then charged overdraft fees. Wells Fargo has been grossly negligent in detecting fraud, safe guarding money in my account and handling this fraud in a responsible manner. Suitable solution to this issue will be to cancel all overdraft fees and return the money they were responsible to safe guard.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$96.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX CO XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquiries do not belong to me : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT
Product: Student loan

I am a recipient of the XXXX XXXX XXXX program, which means that the XXXX provides lump sum quarterly payments to Navient on my behalf. As a result, the due date of my next payment is extended, rather than being due the following month. However, in XX/XX/XXXX, Navient reported that my loan payment was overdue. On XX/XX/XXXX, I contacted them to explain that I am an XXXX Loan Repayment recipient, and they have the wrong payment due date. Navient investigated the issue and informed me that they had " incorrectly applied a transaction code to my account, '' which led to the incorrect payment due date. 

Navient assured me they would rectify the issue by XX/XX/XXXX. However, this month ( XX/XX/XXXX ), Navient reported me to the credit bureaus as being three months late on my student loan payment. On XX/XX/XXXX. I contacted Navient by phone to ask if they had corrected the transaction code on my account. A customer service agent said Navient would investigate the issue and respond to me by XX/XX/XXXX. I expressed my mistrust and asked to speak to a manager for verification, but the manager refused to talk to me.
Product: Debt collection

I received an alert from XXXX on XX/XX/XXXX of a derogatory item that had been added to my credit file. This alleged debt to which Oliphant USA , LLC has referenced, was disposed of in my favor, at the close of a legal case that was brought forth by a separate debt collector. This matter was resolved on XX/XX/XXXX. Oliphant was XXXX of series of revolving debt collecting agencies associated with this particular debt until the matter was ultimately put to rest once and for all when I prevailed in this matter.
Product: Checking or savings account

I had {$900.00} taken out of my chime account randomly in the middle of the night. It was around early XXXX XXXX  Chime will not dispute my charges, and says they do not see anything wrong with the transaction. This is my rent, money, and I have tried talking to the supervisor, and they told me they would try to rebuttal my dispute, but I know how thats going to end up not in my favor. Im a single mother, and money is tight for this to happen is not really stressful, but devastating. Chime has done nothing to help and Im very upset. I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and called to address these fraudulent accounts on my credit report with no resolution. I also have submitted information for these accounts to be removed The following accounts are listed incorrectly on my report XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXXl XXXX, XXXX, XXXXXXXXk/XXXX, XXXXXXXX XXXX  XXXX, XXXX  XXXXXXXX. I also have the following inquires XXXX XXXXXXXX XXXX, XXXX XXXX/XXXX,  XXXX/XXXX, & XXXX/XXXX.
Product: Debt collection

I contacted them regarding a hospital debt for {$630.00} and another hospital debt for {$1700.00} that was paid by insurance they insist this debt is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$130000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$22000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$56.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX  XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX