23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> : I called Citi XXXX  regarding a charge that was made on my credit card. The company who charged me was XXXX XXXX and it was for {$10000.00}. 

I explained to XXXX that this charge was completed under duress. I was forced to complete the purchase and sign the contract out of fear for my safety as well as the safety of my daughters. I was in XXXX and was held in an office for over two hours, separated from my daughters and told that if I did not complete the transaction, then I would spend the rest of my vacation in a court room explaining to a judge why I had committed fraud. It was all lies and power plays, but the fact was that I was in another country forced to remain in an office until I complied. 

An investigation was opened. 

XX/XX/year> : I received an email from XXXX stating that I was responsible for the charge and that the investigation was closed. 

I called XXXX and asked how/why they had come to this conclusion and I was told that it was because I had not provided enough documentation to prove that I had tried to cancel the purchase within the time allowed on the contract. 

I explained that I had not tried to cancel it. My reason for the dispute was that I was forced to complete a transaction under duress. My dispute has been reopened by Citi XXXX. 

Since then, I have submitted a formal request via email to XXXX XXXX to cancel my contract and return my money. They have not responded. 

I called Interval to see if XXXX XXXX had actually submitted my paperwork to be a member. I was told that there is no record in my name, my married name, or with my phone number. I asked for a written statement and was told to email them for that request. I emailed them and have not received a response. 

All of this is documented in the timeline I am attaching. 

XXXX XXXX needs to be addressed for their fraudulent tactics and Citi XXXX needs to do more to support their customers during a dispute. 

The card still has my married name, not my current legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1692, XXXX, Transunion, XXXX  and XXXX has been misusing my personal credit information without my consent. I have not signed a contract with neither of these agencies nor have I verbally given permission via phone to allow my records to be released to the public. They are all displaying false information on my report that they are not authorized by LAW to do such. They have deleted certain items and come back and replaced old addresses and accounts that I have disputed indicating that I have no knowledge of or belong to someone else with similar names.
Product: Credit reporting or other personal consumer reports

This Credit union is reporting that i was 30 days late which is not accurate the teller applied the money to all the accounts except this particular account iam inquiring about saying 60 days pass due XX/XX/2023.
Product: Mortgage

They have maliciously made sure to send the letter one day before the due date for the payment to be processed from my account. I have been approved for a forbearance and should not be charged until XXXX. 

I had double checked with them twice in the beginning of this month and they had promised the payment wont be removed of my account. 

I was lied and cheated. 

I lost my job and we are struggling financially. 

I have begged and pleaded both the mortgage company and my bank. No one is helping me. 

Please help me and my family.
Product: Debt collection

This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

Hi, I have an issue with my bank again. This time will be the last because Im going to close bank account with Bank of America. I again have been charged overdraft fee of {$35.00} for scheduled payment of {$27.00} to my XXXX credit card. The payment was scheduled for XX/XX/XXXX ( when I had plenty of money on my account to cover this payment ) and they withdrew overdraft fee today XX/XX/XXXX. In the past Bank of America could charge me overdraft fee because on the day of scheduled payment I didnt have enough money to make scheduled payment even if I deposit money next day after scheduled payment and the payment would be withdrawn the day when I have enough money Bank of America still was charging me fee. So the explanation they had is that they dont care the day you scheduled you had not enough funds so doesnt matter that you deposited after and the day payment if withdrawn there was funds enough to cover payment. That was their principle. Now theyre trying to go opposite and convince me that doesnt matter that I had enough funds when I scheduled payment. Once my balance became negative ( yesterday ), negative few cents, not even one dollar, thats the moment they cought to charge me overdraft fee of {$35.00} that is bigger that a payment of {$27.00}. Its ridiculous. Of course I called and tried to solve it but respond is very tough and not helpful in any way. They are trained very well not to help with overdraft fee. I absolutely sure that this time Im changing my bank. They charge me {$25.00} every month for maintenance if I dont have XXXX but there are other banks that dont require this much to maintain my account with no fee charge so its already enough for me to be not very happy. But with this overdraft fee with and without good reasons Im more than fed up
Product: Debt collection

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a document with my handwritten signature to verify that this account is mine ; none was sent to me.
Product: Checking or savings account

I deposited a check for XXXX via my camera on Friday the 1XX/XX/2020 at approximately XXXX XXXX  to cover amounts that would come through my acct. since it was a holiday weekend a hold was placed on the funds until the next business day. My bills hit my acct and the bank charged me three fees XXXX knowing that check was on hold. Next my social security check was deposited on XX/XX/XXXX and I was charged yet 4 more fees for in coming bills. When I discussed this with the bank I was told that they would not refund any fees. This bank took XXXX from my cacti struggle to make ends meet and understand that some charges are my fault however I dont believe that it was fair to take this amount of money from me.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- XXXX XXXX XXXX {$480.00} opened XXXX, Collections- XXXX XXXX XXXX  XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX and XXXX XXXX XXXX XXXX and XXXX : XXXX, Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy. 

15 U.S.C 1681 Section 602 A .Section 2 : IT Also States A Consumer Reporting Agency can not Furnish a Account Without My Written Instructions. 

15 U.S.C 1681b A Creditor May not treat a payment on a Credit Card Account under an open end Consumer Credit Plan as a Late for Any Reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.
Product: Debt collection

I have told the company several times I would not like to receive calls and I will call when Im ready to move forward with reconciliation. They call every day and different odd hours. Ive taken screen shots of the calls for proof. I made a payment and the answered the phone once after that. The lady specifically told me she cant schedule a call back when I told her it wasnt a good time, I stated that was okay and I will call back when Im ready to move forward with a payment plan. How do they go from not being able to schedule a call back but can call me every single day. I stated to them I will call when I am ready to move forward and they keep harassing me. Its ridiculous
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies present on my credit report with TransUnion, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. My dispute concerns the erroneous information listed under XXXX  XXXX ( who is also being sued ), XXXX XXXX, XXXX XXXX XXXX, and all other negative accounts on my TransUnion report, which is inaccurate and has adversely impacted my credit profile. I would like to remind you of the ongoing issues with the manner in which TransUnion, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) has filed multiple orders against TransUnion, accusing the company of conducting improper investigations of credit report errors. These orders highlight the failure of TransUnion to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. Under 15 U.S.C. 1681i, you are legally required to : 1. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report. 2. Correct any inaccuracies within a reasonable time frame ( typically 30 days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. In light of the CFPBs orders and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. * Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. * Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. Failure to comply with these provisions not only violates my rights under the FCRA but also subjects TransUnion to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation. Please see all attached evidence.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 u.s.c 1681-1684 I requthat this account be removed from my consumer report immediately
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a report to you a month ago and they did not remove the information that was used through some opening account using my information. 
XXXX did remove items off my report Experian only removed I item and still kept 2 on my report and XXXX are horrible they did not up date anything and I still have XXXX inquiries and account that I didn't open
Product: Credit reporting

On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was made aware of the Equifax data breech settlement. I went to the company 's website and entered my name and social security number which confirmed that my data was affected by this breach. I have attached a screenshot. 
On XX/XX/XXXX I submitted a claim for reimbursement XXXX. 
I continued to follow up with no results. 
Over a year later on XX/XX/XXXX Equifax sent me a letter stating I was not a member of the class action case because my data was not affected. 
I called several times and spoke to a supervisor with no result. 
The next correspondence was that they could not locate my information & maybe it was under a different address. 
I am attaching copies of all correspondence. 
Equifax confirmed that my data was affected in their breech and is doing everything they can to avoid reimbursing me. 
There was extreme damage to me as a result of Equifax data breach. 
I want the company to honor my claim and send me my much-due reimbursement, Thank you for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

XXXX had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. They have sent a letter now stating I owe for a loan on my truck that was already paid, but didnt send original documentation. They have falsified documents with forged payments not showing accurate payments that were made at all. The debt was charged off in XXXX. I was in bankruptcy during the time the debt was charged off. So they are attempting to collect a debt that was charged off by the original debtor will I was in bankruptcy. Plus ; the debt is past the statue of limitations and is time barred, and no property or collateral can be seized. They are attempting to sell my vehicle and never gave notice of me owing a debt which is the law. Also, I have to have the opportunity to buy the vehicle back at value according to law. They are using harassment tactics to collect a debt that has XXXX been paid. Illegal practices are being used. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after 7 yrs and any debts were passed statue of limitations and were considered time barred debts and in after 6 yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past 7 yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately. Something needs to be done Immediately. Citifinancial Auto please send a release and letter of forgiveness for this debt that was wrongfully taken. I am a XXXX Veteran and served my country with honor. This is not the way you treat hardworking people who have placed their lives on the line for this country. I paid my debt and honored my commitment to you now please send my letter that shows my debt was taken care of.
Product: Checking or savings account

I am trying to link my online Optum XXXX account to my XXXX XXXX XXXX XXXX account through one of the financial aggregators. After trying multiple times, I am unable to do so.

I would like to Optum to correct this issue.
Product: Checking or savings account

Well the problem is I don't have access to that account anymore more because I don't have that phone number anymore and I don't remember my password. And I gave them all the information they needed like social and addresses like that.The main thing I am asking them for is another credit karma card so that I can pull my money off of it
Product: Credit card or prepaid card

On XX/XX/2019 a fraudulent charge was made at a XXXX XXXX store for {$430.00} using my Venture Capital One credit card account information. I was in a meeting when a pop up on my cell phone screen asked if I would authorize this charge.. I declined the charge. Then shortly after another charge was attempted. I called Capital One and cancelled the credit card. Capital One assured me that these charges were not charged and I would not be responsible..due to their policy of " 0 Fraud Liability '' for the cardholder. The charge of {$430.00} appeared on my XXXX card statement and was reversed. On my XXXX statement teh {$430.00} charge reappeared as an " adjusted charge ''. I called Capital One and they said- that because the purchase was made with a chipped card I was responsible for the charge- but if I could get a police report and information from XXXX XXXX they would re-open the case. So, I did get a police report, XXXX XXXX has surveillance of the transaction and a suspect is under investigation. All of this was documented and sent to Capital One Fraud as  requested by certified mail. My most recent call with a supervisor at Capital One confirmed that the case is closed on their end.. that I am responsible for the fraudulent charge and that there is nothing I can do to re-open the case. I feel totally betrayed and scammed by Capital One. How many people do they do this to you? 
How many people pursue them legally ...? Please help me.
Product: Credit reporting

XXXX {$68000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was originally openned in XX/XX/XXXX, and the balance is incorrect________________________________________________________________LVNV FUNDING LLC {$75000.00} account reported on XX/XX/XXXX OpenAccount # XXXX $ XXXXXXXXCurrent BalanceXXXX XXXX XXXX WASOriginal Creditor $ XXXXXXXXOriginal BalanceXXXX XXXX XXXXDate OpenedXXXX XXXX XXXXReport DateNoteTHIS account was openned in XX/XX/XXXX and the balance is incorrect