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

I was shopping at XXXX in XXXX at XXXX XXXX  on XX/XX/2020. When I finished shopping and went out of XXXX, I found that 4 cards in my wallet were missing. One of them was a Bank of America card. I opened it XXXX XXXX, I found that my card ending in XXXX had been swiped for three {$1.00}, {$13.00}. {$78.00}. I immediately called the bank and asked the bank to freeze the card, but because of my poor English, the customer service did not freeze My card. As a result, my card was later swiped for {$260.00}. I saw that the merchant who swiped the card was the XXXX where I was shopping. I came to XXXX again and told the staff that my card was stolen and I wanted to check the surveillance. But the worker in XXXX said i had no rights to check the surveillance and asked me to report to the police. I called XXXX. The police just gave me an Incident report RP XXXX, XXXX Police Department telephone number XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, Bank of America refunded the money, but two days later, for various reasons, it said that it was the card authorized by myself or myself, and the money were swiped away agian and refused to refund by BOA. 
When the end number XXXX card was stolen, I knew that the balance in the card was {$520.00}. If I did this, I neednt have to try to pay {$1.00}, {$13.00}, {$78.00}, and then {$260.00}. I can pay {$500.00} at a time. 
And i have thousands of money in BOAI opened this credit card and deposited a deposit of XXXX until XX/XX/XXXX, XXXX.Why i cheat for {$350.00}? But the BOA think i did that, it insult my personality. That why i writer here.
Product: Credit reporting

my experian credit score drop XXXX points and I have done nothing in past XXXX days to make it go down. 
I have been making payments on tradelines on time and never late over XXXX years my score was at XXXX in XX/XX/XXXX in XX/XX/XXXX drop to XXXX and in XX/XX/XXXX drop to XXXX I received a copy of my credit report from annual credit and their has been no Identity theft the only thing on Experian is my ex wife name is on it and a few inquiries I do not " recognize '' and I have been legally divorced since XX/XX/XXXX she should not be on any of my credit reports I have spoken to " experian '' and they said something about a segment program that they use to calculate my score that uses other people score in my category and that the older anything negative on your report is the stronger it is thought it was reverse I thought that my score was based on individual credit behavior not anyone else I feel like I can not get my score past XXXX even though I have paid my current obligations on time never late for over XXXX years VERY DEPRESSING I ask that this agency investigate my claims
Product: Credit reporting or other personal consumer reports

XX/XX/year> I filed a dispute with all three credit reporting agencies to remove certain collections because I was a victim in the XXXX Data Breach. They have not provided me with information from these collection agencies on how the debt was validated. These collections were removed from XXXX already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to order a full Core Logic report, I believe there is some misinformation on my credit report
Product: Credit card or prepaid card

Chase- XXXX card : XX/XX/XXXX : I was booking a flight on united and got an option to apply for instant credit card to receive {$250.00} instant credit. So my flight cost was {$1300.00} and it showed in the advertisement on the final booking page that I will pay {$250.00} less. Also it said, i will get first bags free and priority boarding along with 35,000 miles after qualifying purchases. So I applied as it showed instant decisioning. 
Well, when I applied, Chase displayed the message that application in the review. Ok, 24 hours later no communication. There was no way to check status or option to cancel the credit card application. I called and they told me that there is no way to get to application as I don't have credit card account yet. Well, now, I have to use another credit card to pay for my flight ticket. 
Why Chase did provide false info that instant decisioning will be given? I would not have applied if it was 1 week later I am getting card. 

Also, I can't get free checkin bag as my credit card was not sent for 1 week. This is false information on their site and United+Chase should tell the truth. They must say, your next flight ticket after you get the card. 

So bottom line, I will have to pay from my pocket for checked in bag where United-Chase told on the advertisement that I will get it free on my current ticket. Well it will be on the next one and not current one. 
If I had known, I would not have applied for the credit card. 
Chase need to pay for my checked bag and provide compensation for false advertisement and information. 
I have taken screen shot of the United-Chase advertisement. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX  Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX   XXXX This creditor states I was Late on Dates : XXXX, XXXX, XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX******XXXX This creditor states I was Late on Dates : Late Dates : XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT XXXX CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX & XXXX XXXX XXXX, XXXX XXXX** XXXX XXXX/XXXX XXXX******XXXX XXXX XXXX XXXX XXXX XXXX******XXXX XXXX  XXXX******XXXX XXXX B  XX/XX/XXXX XXXX/XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX XX/XX/XXXX XXXX   XXXX  MISC THIS INQUIRY IS NOT PERMISSIBLE
Product: Money transfer, virtual currency, or money service

I opened a small business account with Square in which they also automatically opened a business checking account on XX/XX/year>2024. I deposited {$500.00} into the account on XX/XX/year>2024 via an instant transfer linked to my bank debit card. They immediately said my account activity seemed suspicious and was on hold until I verified information. I immediately verified the information they requested. Then I received a notice that the decision was made to deactivate my account and hold my money for 90 days. They have no legitimate reason to deactivate my account. I need my money back NOW, not in 90 days ( and apparently some customers online report that this got changed to indefinite without warning. ) I want to cut ties with this business and get my money back immediately via the same way it was transferred into the account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I provided each credit bureau with a police report regarding fraudulent activity/accounts in my name. I asked them to please remove all erroneous accounts from my credit report because it is causing me a lot of problems. Its extremely hard for me to provide housing for my kids due to these errors in my credit file.
Product: Checking or savings account

I was in a XXXX  XXXX XXXX XXXX in XXXX, and the other party was found XXXX XXXX at fault ( they did an illegal U-Turn in the middle of the highway ). USAA has withheld my insurance claim funds in the following 2 instances : 1. Medical : I paid approximately $ XXXX for my XXXX  sons XXXX out-of-pocket, have provided USAA with receipts from the XXXX, my sons XXXX, and they continue to withhold disbursement. It has been over 5 months. 2. I paid a {$500.00} deductible, but the other party was XXXX XXXX  at fault, I should not be liable for the deductible, they should be. 3. I sent ( 5 ) legitimate comparable listings per their company policy that warranted them providing an additional ~ XXXX XXXX  for the total loss over their lowball payment. They refuse to consider this, and are significantly underpaying for the total loss despite objective comparable listings that meet their policies. Altogether, they are withholding approximately {$6000.00} from me. At a minimum, I need reimbursed for my sons medical bills immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, Equifax, XXXX and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

dear Transunion, I have been dealing with some fraudulent inquires that need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, after receiving endless mail from XXXX XXXX  regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX  XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint I stated Experian sent me a marketing email with false information about my credit utilization percentage. I received another email promoting credit cards to raise my available credit limit. The email does not state that if I am unapproved my credit score will decrease. These type of email marketing hurt consumers. 
As I said in my previous complaint I should have my credit score modified or compensate me for the decrease. 

Please see attached email. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Money transfer, virtual currency, or money service

My XXXX card was used at a XX/XX/XXXX atm at XXXX this morning on XX/XX/XXXX it was not me card was used at an atm without the physical card. I now have my card in hand dont know how someone could take XXXX $ off my card without my physical card
Product: Debt collection

I currently home school my daughter through an online virtual school. Wells Fargo repeatedly calls during school hours, despite my complaints that they're interrupting my daughter 's school day. This is the same as harassing someone at work. 

Wells Fargo is extremely rude and offensive. On XX/XX/18, they falsely accused me of abandoning the property, then told me that's the only " reality '' that exists when I tried to explain that was false. Attacking my perception of " reality '' is a highly abusive, manipulative tactic, even as absurd as they sound. 

This is a delicate, unfair situation of a divorce involving XXXX XXXX, XXXX XXXX, and a state child support system that is 47 weeks behind on my child support and household maintenance payments. Wells Fargo has been made aware of the statewide crisis in support payments. 

Wells Fargo has repeatedly told me that without my own job/income, they can't provide a workout plan, when the judge has ordered both child support and household maintenance due to being out of the workforce for 12 years, giving me the chance to return to school and/or obtain specialized career training. 

This is clearly discrimination against women. The home is in my name only, and I'm 22 years into a 30 year mortgage. There are no property disputes in the divorce.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : ** Request for XXXX Form for Debt Cancellation Dear XXXX Customer Support, I am writing XXXX formally request a XXXX Cancellation of Debt** form related to a debt that was canceled and reported to the IRS. I recently discovered that a debt associated with my credit report has been canceled, and I need the XXXX form for tax reporting purposes, as required by the IRS. 

The details of the debt in question are as follows : - **Creditor Name : ** [ Navy Federal Credit Union XXXX - **Account Number : ** [ XXXX ] - **Date of Cancellation : ** [ XX/XX/XXXX ] - **Reported Amount of Canceled Debt : ** [ {$21000.00} ] As part of my tax obligations, I must accurately report this canceled debt as potential taxable income. However, I have not yet received the XXXX form, which I understand should be provided by the entity that reported the cancellation. I kindly request that you send me a copy of the XXXX at your earliest convenience or provide guidance on how to obtain it. 

Additionally, under the **Fair Credit Reporting Act ( FCRA ) **, I have the right to ensure that my credit report is accurate, complete, and up to date. If a debt has been canceled and reported as such, I want to confirm that this is correctly reflected in my credit report. If XXXX has reported any inaccurate or outdated information regarding this debt, I request an immediate investigation and correction in compliance with the FCRA. 

Please send the requested XXXX form to the address listed above or provide a contact method where I can follow up on this request. If any additional information or documentation is needed to process my request, please let me know as soon as possible. 

Thank you for your time and assistance in this matter. I appreciate your prompt attention to my request. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

According to the XXXX an unpaid charge off is income and according to the FCRA Income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. ( XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my report. Please cease the reporting and delete this account.
Product: Debt collection

The company reported to the credit bureau that I still owe on a debt in which I submitted payment for. 

Through CFPB an agreement was reached that XXXX would satisfy full payment of a debt owed. I submitted the XXXX to the company, however, the company reported to credit bureau that I now owe {$61.00}
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 XXXX XXXX XXXX. 

XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 XXXXXXXX XXXX COMENITY CAPITAL BANK 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 an 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.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or XXXX, assuming no one will care in any case. 

XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$4.00} XXXX CARD XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance with the removal of inaccurate personal information on my credit report. Despite my multiple attempts to correct this issue directly with the credit reporting agencies, the incorrect data remains, and I have been unable to resolve the matter. 
The incorrect personal information listed on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first identified these inaccuracies on my credit report on XX/XX/XXXX Since then, I have disputed the inaccuracies with the following credit bureaus : * Transunion * XXXX * XXXX I have followed the required dispute procedures, providing supporting documentation such as my government-issued ID, & proof of address, Despite these efforts and my continued contact with the credit bureaus the incorrect information has not been updated or removed. This inaccurate personal information is causing confusion and, in some cases, may lead to potential identity fraud or errors in my credit profile. I am concerned that it may be affecting my creditworthiness, and I would like it corrected as soon as possible. 
I kindly request that the Consumer Financial Protection Bureau assist me in resolving this matter by helping facilitate the removal of these inaccuracies from my credit report. 
Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving these inaccuracies. If you need further documentation or information from me, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have reached out to XXXX about a repo dated XX/XX/XXXX. The amount of the fees is additional XXXX Total debt is XXXX They are updating the account EVERY MONTH refreshing the account as an active repo. Stating the last payment made was XX/XX/XXXX. It makes other creditors think it just happen and bring my score down.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which qualifies as XXXX under the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00}