23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX at the location of XXXX XXXX XXXX, XXXX, XXXX  XXXX {$20.00} was withdrew from ATM, amount charged {$71.00}. Disputed amount of {$51.00} was filed with Wisley ( ADP ) XX/XX/XXXX. Was informed statement of dispute was to be mailed and returned within ( 10 ) working days also advised within ( 10 ) working days a provisional credit of {$51.00} would be issued. As of XXXX Have yet to receive copy of statement of dispute nor received provisional credit. Have contacted wisley ( ADP ) XXXX / XXXX. Informed Statement of dispute was mailed and to contact via email. Claim number XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several accounts listed that did not belong to me. I reached out to the creditors and asked them to validate these accounts, and I never received a response from them. I'm asking that these accounts listed on the attached documentation be removed from my credit report.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX {$0.00} XXXX XXXX {$630.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXXXX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$500.00} Late Payment : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Dept of Education has 8 late payments listed on my credit report. During this period I was contesting the amount owed with DEPT of ED. The amount owed listed on my credit report is not the payment balance I am mailed each month. The amount is still incorrect and so are the late payments. These late payments listed are violations of FRCA.
Product: Debt collection

XXXX XXXX  keeps trying to bill me for something I didnt have and I paid for the first month of the Sims card and its ridiculous. They were just want money so they just keep right on billing and they should be stopped for that and then they ruined my credit for the last four years because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Vehicle loan or lease

I was behind on payments after being injured in a car accident. After a short recovery period I diligently submitted payments to bring my account current. My last payment a lump sum of {$15000.00} was sent certified mail with copies of the receipt and filled out payment coupon. The company Mercedes-Benz financial acknowledges receipt yet states that since it hasnt been fully processed my car will be repossessed. Ive contacted them and sent emails asking to speak with a supervisor yet they say theres nothing they can do and that if a tow truck arrives to take the vehicle I was advised to let them take it. I explained this is patently unfair since I have no control over the speed or delay in their processing payment. They refused to provide a written response or delay repossession efforts.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My name is XXXX XXXX. I have been trying to hard to provide for myself. I am a hard worker, single and with a low income from ssi. I was a XXXX  at XXXX XXXX XXXX and am XXXX to start classes again this fall. I get frequent emails from them. Last few have been about local jobs in XXXX. I applied to one of them with XXXX XXXX. I was told that I was going to be working from home. And I was sent copies of checks by email. I did find it suspicious but XXXX XXXX told me that XXXX XXXX was a good company and that they had an office in XXXX. So I went on to deposit the checks to my online banking app with TD Bank like I was instructed. I also had to reach out to XXXX XXXX and paid them for the materials I needed to work from home. I was told to pay using XXXX and XXXX. Again I was worried but since I was told everything was fine I went on with it and also I was thinking maybe is because they are working from home due to the pandemic. And I had checked that there was a website for XXXX so I did the transactions. Now my accounts are frozen with TD Bank. And my phone was hacked. I even had a cd account because I am thinking of my future and those of my immediate family. I am so passionate about securing a future for myself if I need money for the future that because I could I invested in writing a book and getting it published. Future sales would mean future money just case things go wrong. Now I find myself not being able to pay my bills and the people from TD Bank are playing games with me, I've been on the phone so many times, to branches, and all for nothing. I just don't know what to do anymore. I don't want to be homeless or have my services shut off. I need help. I even provided a police report and copy of an email to the TD Bank on XXXX XXXX in XXXX, Massachusetts. They were nice. However when I had an appointment at the TD Bank on XXXX XXXX in XXXX, I was mistreated. Drove there for nothing and a person said they had made an error in giving me an appointment and she was correcting the error. All this from the other side of the door. No courtesy at all.
Product: Credit card or prepaid card

I am writing to lodge a formal complaint about the interest charges that have been imposed on my credit card account. Since XX/XX/XXXX, I have been charged interest fees each month without any resolution. I have contacted Capital One Bank regarding these charges but have been given unsatisfactory answers and told that they were caused by a cash advance transaction made by the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. However, I do not have the cash advance option on my credit card, nor have I ever been provided with a PIN for cash advance services from Capital One Bank. When I tried to withdraw cash from my Capital One Credit Card, the ATM did not authorize me to withdraw cash as I did not have the required PIN. Despite my repeated attempts to bring this issue to their attention, I have not received a satisfactory response or resolution. 

Below is the list of the interest fees that have been charged to my account each month. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These charges are unjustified and unfair, and I do not believe that I should be held responsible for them as I never authorized the cash advance transaction in question. I have spoken with a customer service agent who informed me that the XXXX processed the transaction as a cash advance transaction and that Capital One Bank can not dispute the charges. However, I believe that Capital One Bank should take responsibility for the charges and resolve this issue as soon as possible. 

I am extremely disappointed with the level of service that I have received from Capital One Bank, and I request that this matter be resolved at your earliest convenience. I would appreciate your assistance in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; Equifax - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX
Product: Vehicle loan or lease

XXXX XXXX of XXXX, XXXX whom then became XXXX XXXX XXXX XXXX and Finally Sold out to Cars America located on XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Cars America Repossessed my XXXX XXXX XXXX on XX/XX/XXXX claiming that I was not supposed to leave the State with the car. I moved from XXXX to XXXX due to a Job Opportunity. XXXX XXXX was my only means of transportation. I was never told nor informed that taking the vehicle out of the state of XXXX was not allowed. 

Back in XX/XX/XXXX when I electronically signed the Contract, the Sales Manager at XXXX XXXX XXXX XXXX never disclosed the " no leaving state clause '' she was only INTERESTED IN THE {$3000.00} DOWN PAYMENT I had with me. 

I did not electronically signed anything specifically in regards to and/or acknowledging the " not leaving the state of XXXX '' clause. 

Also, they sold me a vehicle with FRAME DAMAGES ... ... in XX/XX/XXXX, my car was hit while unoccupied " hit & run '' and upon removal of the Right Front Fender it was discovered that the vehicle has FRAME DAMAGE when I informed XXXX XXXX XXXX XXXX they said that I should have check the vehicle before signing the contract.. how am I supposed to check the FRAME? They should 've never put this car for sale with FRAME DAMAGES as it is not allowed.
Product: Consumer Loan

I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have opened savings account online while there was a promotion to get {$200.00} for opening savings account and deposit at least {$20000.00} funds outside TD Bank into savings account and keep it for certain time. I have met all requirements for the promo to receive a bonus, but instead never got it and asked multiple time for it. TD Bank also charge a monthly fee for savings account, but it was disputed by me and fee was reversed as an error. All this time account never was under {$20000.00} except when TD Bank charge a fee that was reversed in few days and that was not my fault.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rigths. 

15 U.S.C section 602 A States I have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to TransUnion I reported it to XXXX  and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Product: Credit reporting or other personal consumer reports

I review a copy of my credit report and I noticed some fraudulent accounts were on my credit report please remove these fraudulent accounts they are hurting my ability to obtain credit I did not authorize these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 USAA Federal Saving B added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Federal Saving B has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Student loan

I attempted to pay my 10 student loans totaling {$360.00}, and they sent an email confirmation saying the payment was received. My loans were reversed and my loans remained delinquent. I have made multiple attempts to pay my loans and they reverse some but not all of my loans. My checking account balance has sufficient funds but they do not accept my full payment and this keeps my loans delinquent. They have not responded to me via email.
Product: Credit card or prepaid card

new accounts, but nevertheless they tell me to contact you because the research still appears in my system and I did not go! I ask for help and assistance removing any inquiry of the XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX my husband applied for a XXXX XXXX exclusively branded by JPMC and which included a significant perk if approved by XX/XX/XXXX - companion ticket issued with eligible fares through XX/XX/XXXX. My husband XXXX applied and was declined. see attached. We attempted to investigate the cause and received an explanation that he had exceeded the number of allowable card issued within a 24 month span - no more than 5. His credit standing was better than mine. The attached letter sent to the EO office explains in detail the basis for the complaint -inequitable treatment in the acceptance and decline of a credit card. On XX/XX/XXXX I applied for the credit card and was immediately approved. I sent a letter to the Executive Office of JPMC challenging the explanation previously provided given the same circumstances. JPMC has been unwilling to conduct the investigation into why I was approved and XXXX rejected based on the explanation initially provided - 5 or more credit accounts opened in the past 24 months. In my case it can be demonstrated that I had opened 10 credit card accounts in the past 24 months but yet was approved ; in the case of XXXX, my husband, he was denied for having opened 5 during the 24 month period. 

On XX/XX/XXXX I submitted to the Executive Office of JPMC a request to investigate - request sent via priority mail and delivery confirmed - see attached. 

When no response of any kind was forthcoming by early XXXX, I was told to re-submit via e-mail - which I did on XX/XX/XXXX - see attached e-mail exchanges. The individual assigned basically told me the same information I already knew but did not address the issue of inequitable treatment of similarly situated persons - myself and my husband. As a result of JPMC 's decision not to provide any suitable explanation for the disparate treatment, I am submitting this complaint to the CFPB as it appears that JPMC 's credit decisions, absent additional information, appear to be arbitrary and draw into question inequitable treatment. I was approved immediately despite a lower credit score and having opened in excess of the # of accounts that JPMC communicated by phone would be allowable to permit acceptance. I counted 10 accounts opened within 24 months of making the application for the JPMC branded XXXX card. 

Ms. XXXX never provided any indepth understanding of the level of investigation I was requesting. She merely parroted what had been previously conveyed by phone during the XX/XX/XXXX telephone exchange with the JPMC credit department. No written response was forthcoming which I find curious. A written request should be followed by a written response from the recipient.
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. 
Account name : XXXX & XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  Site coordinator Account name : XXXX XXXX XXXX  Account name : XXXX XXXX retailer Account name : XXXX XXXX violates my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a adverse account collection on my credit report this was to be removed completely as part of my settlement I sued XXXX XXXX XXXX  and I won my case. I am a victim of hurricane irma this was supposed to be completely removed it shows as paid this was to be removed completely The amount is XXXX
Product: Debt collection

XXXX Hospital told me am underneath the Economic Hardship program and the debt its not owed in this amount Optimun Outcomes INC is asking.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and I am writing to formally challenge the incorrect information currently displayed on my credit report. I have not authorized the reporting or sharing of my personal information with the companies listed below, as outlined by 15 U.S.C. 1681b and 15 U.S.C. 1681c. This situation violates my consumer privacy rights, as these entities do not have the legal authority to report any information in my name. 

Additionally, my credit report contains unauthorized inquiries that I did not initiate, which constitutes identity theft. Per 18 U.S.C. 8, I am not responsible for any debts related to these entities. 

I hereby request the immediate removal of these disputed entries and inquiries in order to correct my credit report. Please address this matter as soon as possible and confirm once the items have been removed. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX.
Product: Debt collection

Someone open an account with my information without my permission, I didnt check my emails for a long time, once I noticed that debt I tried to fixed it, changed my password but it was too late. This was around 2018 been trying to fix it for a while now, trying to get rid of a debt I didnt acquire, I dont think its fair to pay a debt its not mine.