23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, on Wednesday, XX/XX/XXXX, XXXX XXXX ( ET ) I sent an email to XXXX XXXX about charges on my Victoria Secret Credit Card for a Debt Cancellation program that I didn't sign up for. I was instructed to contact the 800 customer care number and cancel the account. I made contact with a rep and was told everything was cancelled. I also unrolled online aswell. I followed up a few months later noticed i was still being charged and I started sending emails. 
I was told the account was enrolled from XX/XX/XXXX, through XXXX XXXX, XXXX totally of {$100.00} over the course of a year. 
XXXX is the Rep I spoke with. 
The emails were all sent to Comenity Bank which oversees the VS account XXXX. 
Message ID : XXXX Another message was Sent : Thursday, XX/XX/XXXX, XXXX XXXX  ( ET ) Subject : Re : XXXX XXXX XXXX XXXX Message ID : XXXX I was given this confirmation number XXXX stating the full refund of {$100.00} would be processed, and it would take 7 days to get this completed. 
IS THE CONFIRMATION NUMBER THAT WAS GIVEN TO ME I WAS TOLD SHE WOULD PUT IN THE REQUEST FOR A FULL REFUND AND IT WASNT DONE. SHE TOLD ME SHE COULD ONLY REFUND ME 6 MONTHS REFUND TOTALLY {$63.00} AND I WOULD SEE THAT ON THE ACCOUNT WITHIN 2 BILLING CYCLES. 
XXXX IS THE REP # FOR XXXX ( SUPERVISOR )
Product: Debt collection

This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to Jefferson Capital system which is illegal and XXXX will not remove it from my report. The amount is {$460.00} I would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been opened or made in my name. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be blocked : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card

Please review the attached letter. 
My account has been suddenly closed for 'Unusual Payment Activity '.

I have added all details in the attached letter. 

Thanks for your prompt attention to this. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer from Chase checking account to transfer to my XXXX savings account. 
On both XX/XX/XXXX & XXXX when I would look at my XXXX app online it showed the deposit as pending. 
On XX/XX/XXXX the amount was no longer showing as pending and was not applied to my account. 
I initiated a chat with XXXX and was told by a rep that the amount was received on XX/XX/30 but there must be a problem on Chase 's end. I contacted Chase and was given a completed transaction number. 
Since then I have been back and forth with Chase and XXXX and neither are able to assist with a resolution. XXXX says they don't have it and that I should have Chase initiate a reversal or stop payment. Chase says they are unable to do either of those because the transaction is complete.
Product: Credit reporting

I started a few months ago on my XXXX credit report. I called all XXXX open collection accounts original owners, explained my heath got real bad in XXXX mostly medical bills that was not filed with my health ins. I paid my office visit copay at that time. each one that I spoke with agreed, that 's why I have no collection accounts open {$0.00} Dept w /XXXX. I then started same dispute steps with my equifax credit report, they deleted all but XXXX of the same medical accounts? I explained & disputed accounts maNY MORE TIMES THEY WONT DELETE SAME EXACT MEDICAL BILLS, THAT WERE DELETED FROM MY TRANSUNION REPORT? XXXX, XXXX, EQUIFAX CREDIT REPORTS SHOULD ALL BE NO COLLECTION ACCOUNTS. IM XXXX NOW ON SMALL FIXED INCOME. IF I GET MY CREDIT SCORE UP TO XXXX THE STATE WILL HELP ME BUY MY KIDS & I A HOUSE. PLEASE HELP ME HAVE THEM KNOW ITS RIGHT THING TO DO, BECAUSE IT TRULLY IS.
Product: Checking or savings account

TD XXXX SENT, XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and DEBIT CARD PURCHASE, XXXX, XXXX  XXXX XXXX XXXX XXXX * C 2022 I was scammed by XXXX XXXX who offered a credit repair service. First she was double paid because my XXXX said a XXXX didnt go through but instead it had a 24 hr hold. So I paid her through XXXX XXXX. Then when then I saw she was double paid I asked for one of the XXXX back and instead of sending {$450.00} back I was blocked on everything and she just took my bank I told my back they refused to give me my money back I thought thats why we banks with them they should issue both {$450.00} back or at least one because she didnt want to return the extra payment so didnt even provide the initial service. Can u please help me
Product: Mortgage

MY ORIGINAL BANK HAS SOLD MY LOAN TO SLS. I NEVER BEEN LATE ON MY PAYMENTS. LAST YEAR I CALLED THE COMPANY TO CHANGE MY PAYMET TO AUTOMATIC DRAFTING. I GAVE THEM ALL THE INFORMATION ON PHONE. BUT DUE THEIR COMPUTER GLITCH ON THEIR END, MY PAYMENT DID NOT GO THROUGH. I ASSUMED EVERYTHING IS FINE AND WITH MY BUSY SCHEDULE I DID NOT CHECK MY BANK STATEMENT. AFTER ONE MONTH THEY CALLED ME STATING THAT MY PAYMENT DID NOT GET POSTED. THEY CHARGED LATE PAYMENT. I CALLED SEVERAL PEOPLE AT THE CUSTOMER SERVICE WHO WERE RUDE. FINALLY I GOT HOLD OF ONE OF THE SUPERVISOR WHO WAS VERY PROFESSIONAL AND TOOK OFF MY LATE FEE. AFTER SEVERAL MONTHS WHEN I CHECKED THE CREDIT SCORE TO BUY A NEW HOME, TO MY SURPRISE THE LATE PAYMENT WAS REPORTED TO THE CREDIT BUREAU AND CONTACTED THEM VIA WRITTEN COMMUNICATION WITHOUT ANY HELP.PLEASE HELP TO RESOLVE THIS ISUUE.
Product: Credit reporting or other personal consumer reports

Westlake XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from American Car Center ( American Financial ) When I found out American Car Center was closing I returned vehicle to dealer the vehicle was leased from. American Car Center took possession of vehicle. Westlake XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... Americollect ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit card

I signed up for a credit card with Bank of America in XX/XX/XXXX. The card came with a promotional offer for 0 % APR financing on purchases for 18 months. Statements that I received throughout the course of XXXX showed that the promotional interest rate would end on XX/XX/XXXX. During the course of XXXX I also took advantage of a 12-month 0 % APR balance transfer offer by transferring in {$1200.00} on XX/XX/XXXX. My statement prior to XX/XX/XXXX closed on XX/XX/XXXX and showed a balance of {$25000.00} consisting of {$22000.00} of purchases and {$1200.00} of balance transfer. On XX/XX/XXXX I made a payment of {$250.00} and on XX/XX/XXXX I made two payments totaling {$23000.00}. This was a total of {$23000.00} payed by XX/XX/XXXX, which was more than the previous statement balance for purchases of {$22000.00}. To my surprise, I received a statement on XX/XX/XXXX showing {$29.00} of interest charges. I clearly paid off the purchases made by the statement close prior to the end of the 0 % promotional offer on purchases, and therefore should not have been charged any interest. I called Bank of America to ask them about this and the customer service rep was unable to explain why I was charged interest. She was confused by the promotional language herself and said the best she could do was submit a request for a refund of the interest expense. After 2 days I was notified by email that the request for refund was denied and that this decision is final. I am asking for {$29.00} of interest expense to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Score has dropped tremendously through ( EXPERIAN ) credit checker website. My Bills OR, AND my credit mix is excellent with all my bills are paid within the 30 days allowed? I have seen my credit score drop XXXX points within the last few months, i would like full scale investigation into this matter expeditiously.
Product: Mortgage

Back in early part of XXXX wellsfargo done a modification on my mortgage i ask to spread the XXXX payments ot instead they done a modification i suppose to be having XXXX and mths left to pay for home also im XXXX XXXX XXXX move here XXXX now it gon na be XXXX before done paying they say XXXX i have 21 years left to pay at my age they done me wrong
Product: Money transfer, virtual currency, or money service

I have been using PayPal for a few years to receive refunds for small purchases I make for my family members. In addition I used payPal for small online purchases, generally less than {$200.00}. I have a valid credit card linked to the account. I also have a positive balance of {$2900.00}. in the PayPal account. 
On or around XX/XX/XXXX  I went to PayPal to pay for a purchase from XXXX XXXX XXXX  for the amount of {$1.00}, when I discovered that my funds were not available and PayPal had a banned on the account that I could no longer use their services, which is fine, and that they would hold my funds for 180 days, which is not fine unless they provide a valid reason for the hold. 
They claim that I am a high risk client, but do not provide a reason for that.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 or other personal consumer reports

Midland Credit Opened XX/XX/2020 XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft fraud I have sent over my supportive documents numerous times this is becoming very frustrating this account and addresses are not authorized by me and don't belong to me and requesting that it be removed immediately The following account : XXXX XXXX XXXX {$1.00} THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to dispute the XXXX  account that is reporting on my Equifax profile. This account does not belong me. I have submitted an FTC form to Equifax and Creditor and this account has not be removed. Please assist me in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy, however, this is not the case because TransUnion is purposely violating my consumer 's rights by reporting late payments that are negatively affecting my creditworthiness.

I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not provide this, please UPDATE the alleged late payment ( s ) on my credit report and UPDATE the payment history to paid as agreed never late ( PANNL ) per 15 USC1681b.

Your company is in clear violation of the law. Under 15 USC1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

UPDATE the above late payments from my consumer report to paid as agreed never late ( PANNL ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the referenced account, and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC 1681n ).

I request that you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PANNL ).

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

I need you to investigate these accounts : Account Name : XXXX XXXX XXXX | Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX | Account Number : XXXX Account Name : XXXX | Account Number : XXXX Once you have finished your investigations send me an updated credit report to the address stated above. Thank you!
Product: Mortgage

My original mortgage for my co-op apartment was with Citibank. This Summer I wanted to take advantage of lower interest rates to refinance. I decided to keep the mortgage at Citi instead of pulling it altogether and go with another bank. What an incredible mistake it has turned out to be. 

The first loan officer that was assigned to me kept making mistakes, giving me 24 hour deadlines to submit new documents while I was working double shifts at the hospital, not uploading required documents I already filled out/sent to him, and generally refusing to answer any question I had. 

After I complained I was assigned a new advisor and was assured that the process would finally be taken care of. After submitting a new round of documents -- some whose status ' still haven't been updated on their portal even though they were received and required weeks ago -- I have now been asked for new documents that need to filled out and signed by my co-op board ... .10 days from the estimated closing date. 

This has been going on since XX/XX/2020. I could have closed twice over with another bank like XXXX. At this point it is clear that Citibank is refusing to provide a service I am perfectly entitled to and place hurdles every step of the way while purposefully wasting my time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with experian. checking my file ive noticed alot of invalid data. review the information submitted an delete all files that are inaccurate to help clean my credit report asap.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15
U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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.. Im attaching the required FTC Report for you XXXX which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means XXXX at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}
Product: Debt collection

This is my 11th complaint that I am filing against TRANSUNION. There were two [ 2 ] deleted inquiries from my TRANSUNION credit report after my disputes and now TRANSUNION is liable to compensate me with monetary remedy. By deleting the inquiries off my report, TRANSUNION is admitting that their practices are in fact abusive and deceptive. INQUIRIES DELETED : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, TRANSUNION deleted the inquires after I disputed. Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. -The term consumer means an individual. -The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Pursuant to 15 U.S. Code 1681o, TRANSUNION is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as TRANSUNION is liable by law to pay my invoice.
Product: Student loan

I co-signed a student loan for a friend and the loan was sold to debt collection agency called National Enterprise Systems in Ohio after default. The Collection agency fraudulently obtained my bank account information and withdrew XXXX withdrawals from my bank account in the amounts of {$1400.00} and {$1100.00}. I did not give the collection agency my banking information or permission to withdraw money from my account.