23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

You are reporting the wrong balance for account XXXX XXXX XXXX ( Original Creditor : CREDIT XXXX BANK N.A. ) XXXX. The original creditor provided verification via XXXX, and I have attached their correspondence to this complaint. You are also reporting the incorrect payment history for this account. How can XXXX bureau report a status of 'OK ' while another report it as 'CO '. This is a violation, and this account is to be removed from my credit report immediately. I do not owe this collection anything, and the balance they are reporting does not match that of the original creditor.
Product: Credit card or prepaid card

Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during XXXX XXXX  and could not accommodate pay by phone within 24 hours. Please remove negative remarks on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays had the wrong address, sent all billing status to XXXX XXXX XXXX XXXX XXXXXXXX pa  not XXXX XXXX XXXX XXXX XXXX pa XXXX. Also when I called in they did not even have my social security number on file fix all this please
Product: Mortgage

I had to change my autopayment because I had to change banks. Went in and setup autopayment. For some reason it only made one payment. Got notification a payment was missed they are unable to explain why it did not go through. I went in and setup autopayment again and it says it is setup. But since was on XX/XX/XXXX. It did not start till XXXX XXXX again missed autopayment. My letter stating autopayment was set up mentioned nothing about not processing the XXXX payment. So another payment was missed/ late. I have never missed a payment since I purchased this home. Since Roundpoint mortgage. Very frustrating convoluted process to get an autopayment processed. It can only be done online versus on the phone ... Their website is having issues and they are not willing to accept the fact that they are having issues. My account is current and supposedly set up for autopayment for XXXX XXXX But I have no faith in their system or company. I wish I could change providers. Ultimately I want the late fees removed and additional interest credited. I truly believe they have a system in place to intentionally cause issues that cause late payments and interest to create additional profits at the clients detriment. This should be investigated further. It is not fair to be stuck with a provider that I did not purchase a loan from to treat me like this and have no recourse... 


My contact info is XXXX and my email is XXXX if you need to get a hold of me in a timely manner. 

Thank you for your help with this manner. 

XXXX
Product: Credit card or prepaid card

On XX/XX/2020, and in XX/XX/2020, I had unauthorized charges on my account. 

XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} I disputed these with US Bank and had the card closed. 

However, US Bank refuses to investigate the unauthorized charges. 

They claim I was refunded by the merchant for the unauthorized charges, but that is NOT TRUE. I even sent them a follow up, but they ignore all correspondences. 

They even ALLOWED the merchant to continue to charge my card in XXXX, despite US Bank knowing these are fraudulent charges. They refuse to investigate this.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$460.00} XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXXXXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian. XXXX, Experian has violated my consumer rights and violated federal law. This is my attempt to notify you of this erroneous error on the part of your agency before I formally seek legal counsel. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please delete this erroneous account immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX charged {$2300.00} for auto renewal of 3 season passes. As soon as saw the charge, on or about XX/XX/XXXX called XXXX requesting the season passes be CANCELED. This charge was 275 % over the previous years charge. The XXXX invoice was emailed XX/XX/XXXX AFTER the charge hit my American Express. 

Tried to resolve with XXXX via email and phone calls, no avail. Reached out to American Express to dispute. This dispute has come back a 4th time with a partial charge. 

Since both XXXX and American Express were notified within days of the charge, the request for cancellation and the passes have not been utilized with no intention of utilizing the passes. This billing and rebilling has been going on for over 4 months and over half the ski season is over at this point.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2023 I applied for a personal loan at One Main Financial online sending all my financial information ( pay stub from part-time job, social security retirement and pension ) I have had and account with XXXX Main in previous years and had no problem paying the account off. My projected income for the year is XXXX. The loan was for only XXXX dollars. The credit report had already been pulled, but when I asked about the loan on the XXXX I was told that I didnt have enough income to get the loan an that if I wanted the loan my wife would have to sign on the loan too. What I think is happening here is age discrimination not income. In the past this has not been a problem with me getting a personal loan on my own for over XXXX now its a problem and I want to know why. If a person is in good standing with a business, an that person can give you assurances through insurances on the loan received why not give that person the benefit because of past history.
Product: Debt collection

I had a car through CNAC ( JD Byrider ) that was since repossessed. For three months in a row, CNAC made hard inquiries to my credit report without my authorization. I did not authorize these inquiries.
Product: Mortgage

Complaint against Chase - servicer abuse. 
There is not one point of contact for this account. 
On XXXX XXXX, 2016 our attorney stated he spoke with XXXX XXXX ( XXXX? ) who sent a letter from XXXX, XXXX and told him she was reviewing the file and would get back to him in a couple of weeks. 
On XXXX XXXX, 2016 our Attorney was given the names of XXXX XXXX, phone # XXXX x XXXX and XXXX XXXX, phone # XXXX XXXX as the contacts to call to make arrangements to pay on a trial payment plan. We were told to call these people to go through with a trial modification before XX/XX/XXXX. 
However, a letter had been sent by me to Chase, Attention XXXX XXXX on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 in XXXX, XXXX, stating that we had not requested such a plan, with a copy to the Chase office in XXXX, XXXX at XXXX XXXX XXXX. We cited the Complaint # XXXX sent to the CFPB on XXXX XXXX, 2016, which outlined our serious concerns with the terms and conditions of the proposed payment plan, and other requirements designed to waive our basic rights to due process, which were deemed unconscionable. 
On XXXX XXXX, 2016, I called XXXX XXXX who was not available so I left a message. I then called XXXX XXXX at XXXX.who also was not available, but after a holding period, XXXX XXXX came on the line. She was not familiar with the status of the account and put me on hold again to review. She came back on the line and asked if I wanted to make a payment. I told her I had questions regarding the terms, e.g. how is the payment amount determined ; what is the payment applied to ; how is the modification amount determined ; is a title search done ; are we eligible for loss mitigation, none of which she was able to answer. She gave me the following address to send a dispute : Chase ( Mail Code ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. She told me that XXXX XXXX was not in XXXX but was in XXXX. She told me that XXXX XXXX 'could not handle everything ' because there were 'other departments involved '. She was aware that another office in XXXX, XXXX has sent other communications to us. I told her I had previously sent a dispute to both XXXX and XXXX ; she said that the department for disputes is in XXXX. XXXX XXXX thanked me for the opportunity to 'provide excellent customer service '. 
I faxed the dispute to XXXX on XXXX XXXX, which had previously been sent to XXXX XXXX and the XXXX office and the CFPB XX/XX/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: Debt collection

A collection notice showed up on my credit report. Credence collection agency posted that I owed XXXX XXXX XXXX XXXX XXXX. I never used XXXX XXXX XXXX for phone service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, also reporting loans as XXXX XXXX XXXX XXXX XXXX is continuously adding to my principal balance and this is adversely affecting my credit score. I am currently looking to refinance and their frequent updates are detrimental to this process. Also, there are several accounts between both XXXX XXXX and XXXX that were opened and closed the same year or a few years later, which is affecting my average age of credit as well and in turn my credit score. I respectively ask that the accounts from XXXX to XXXX be removed as per the Statue of Limitations for my state of five years. I would also like to request that the accounts from XXXX are removed as we are coming into a new year. I need this done ASAP, as XXXX XXXX XXXX is partaking in illegal reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with Transunion removing items already disputed and indicated as deleted.  Problems with XXXX   point drop in credit score for no reason.Problems with their IT systems and reporting to the XXXX   system and online credit monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( XXXX and Experian ), XXXX XXXX ( XXXX, Experian and XXXX   ),  XXXX ( Experian and XXXX  ), XXXX XXXX  ( XXXX, Experian and XXXX  ),  XXXX ( Experian and XXXX  ), XXXX XXXX ( Experian, XXXX  and XXXX ), XXXX ( XXXX, Experian and XXXX  ), XXXX XXXX XXXX ( Experian, XXXX  and XXXX ),  XXXX ( Experian and XXXX  ), Bankruptcy : Voluntary CH-XXXX ( XXXX, Experian and XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, dated XX/XX/XXXX. These inquiries were made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681 et seq., Section 604 of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer reporting agency may only furnish a consumer report under specific and permissible circumstances. 

The following inquiries on my report were made without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not apply for credit, insurance, or any other service from these entities, and as such, these inquiries are a violation of the permissible purposes outlined in Section 604 of the FCRA.

I respectfully request that you : Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted and remove asap XXXX  XXXX Last reported XXXX XXXX, XXXX {$210.00} Reported balance Credit limit {$200.00} You're using 108 % of your account 's limit OVERVIEW Credit limit {$200.00} Minimum monthly payment SO Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX  XXXX XXXX  Date opened Balance Status XX/XX/XXXX NO STATUS. 


Inquiry delete asap XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX  XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting Unauthorized inquiries on my credit profile. I called the company to advise them of the inaccurate information that is being reported on my credit profile, Equifax advise me that they are just a reporting agency, even after I advisee them of the two unauthorized inquiries that is listed on my credit profile. Equifax refused to removed the items listed : 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 XXXXXXXX Dispute this I did advised them of my Consumer laws rights that they were violating, I am aware, these unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and { EQUIFAX } is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Product: Debt collection

I keep getting calls from XXXX first the said I owed from XXXX almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only one cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally wrote XXXX, TransUnion, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. 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
Product: Money transfer, virtual currency, or money service

Several charges were made using my cash card at XXXX XXXX in CA and NY. I dont live in either state. I was in Mississippi at the time of the charges and I have been here over a month. I contacted XXXX and opened a dispute. The representative informed that cash app is aware of the issue and you have done nothing to resolve. The emblem on the charge is not even the actual target logo which appears when you actually use your card at a XXXX store. 

After notifying XXXX and Square XXXX, Square XXXX disabled my account. My funds have not been returned and the scams have continued for over a year!
Product: Checking or savings account

I have no balance in XXXX and i have no instruments from XXXX XXXX XXXX wellsfargo bank. I am victim of theft by usa govt and others
Product: Payday loan, title loan, personal loan, or advance loan

Wellsfargo announced a while back that they were closing out all of their personal lines of credit. There was such a huge push back from all of their customers that they decided to leave them open. Apparently, some time later they decided to begin charging us a yearly fee to force us to close it. The problem is that if you haven't been using the line of credit, you have no way of knowing that you owe the fee. There was not an email alert to go out or anything mailed to me. I found out about this fee that has been on my account for months and I'm unsure if it will affect my credit score. I was told that it " should '' not. I was given the option to pay the fee and keep the account, or pay the fee and close out the account. I think that is robbery for an account that I never use and to be forced to pay fees to keep a credit score. If I close out this account I am expecting my credit score to decline since I've had the account since XXXX. I may also see a drastic decrease in my credit score if they report this fee as past due. I was told that this fee has been on my account since May but have never been sent an email or anything about a past due balance. I now want this fee reversed and the account closed. I will take the hit on the credit score before continuing to do business with this bank. The only reason I was even aware of this fee is because I signed into my account to check their mortgage interest rates. When you're in the market for a home the last thing you need is a decrease in your credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

XXXXXXXX XXXX XXXX account # XXXX {$1400.00} XXXX  XXXX XXXX XXXX XXXX # XXXX {$26000.00} XXXX XXXX XXXX # XXXX {$34000.00} XXXX XXXX XXXX # XXXX {$390.00} XXXX XXXX  XXXX XXXX {$340.00} XXXX # XXXX {$290.00}