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

So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.

On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request. 

I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.

2. Denial Letter received yesterday in the mail.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request your assistance in correcting ongoing inaccuracies in my credit report. The continued presence of these inaccuracies on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must ensure the accuracy and completeness of the information they report. My repeated attempts to dispute these errors have been met with inadequate responses and no resolution. Despite these efforts, the inaccurate reporting persists. I have enclosed copies of my previous correspondence, dispute letters, and all supporting documentation for your review. I am now seeking for your intervention to ensure these inaccuracies are corrected immediately. The failure to rectify these errors has caused significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate correction of my credit report. I request written confirmation once the inaccuracies have been addressed. Despite previous attempts to resolve these issues directly with the credit bureaus and creditors, the following inaccuracies persist, severely impacting my creditworthiness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX I see things may be inaccurate. Start looking at the account name, opening date,
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. CRADIT? WE CAN HELPI + Please attach copies of the following documents : Agreement that you have authority to collect on this XXXX alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that XXXX the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. XXXX
Product: Checking or savings account

I have an online banking account with Current. 
On XX/XX/XXXX @ XXXX am a transaction came across my notifications for {$590.00} from a company XXXX XXXX XXXX. I had never heard of this company nor did I authorize it make a purchase from this company. I immediately contacted Current and they said the charge was pending and when it went through I could file a dispute. And so I did and their decision stated back to me was that no error occured. They said I could request all information in how they made that decision and so I did several times and I have never received any correspondence. I emailed and chatted and got no where. There is no one to call about a matter like this. But I did not make a purchase from XXXX XXXX XXXX. I did not authorize any purchase.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, a fraudulent application for a credit card was submitted in my name which resulted in a hard inquiry being placed on my credit report with Transunion. Upon learning of this fraudulent activity I reached out to the credit card company to dispute the application. I also contacted each of the credit reporting agencies to alert them of the fraudulent activity and to freeze my accounts. When I contacted Transunion I was told that in order to remove this item from my account that I needed to first file a report with the FTC, then send Transunion both a written statement explaining that the fraudulent inquiry needed to be removed from my account as well as a hard copy of the FTC report. I asked if they could provide me with a letter or document explaining what their requirements are for resolving matters such as these, but I was told that they could only give me the instructions over the phone. A certified letter was delivered to Transunion on XX/XX/2023 that contained a copy of the FTC report, a statement from me indicating that the inquiry was fraudulent and should be removed, as well as a copy of a statement from the credit card company stating that the application was fraudulent and that they requested that it be deleted from my report. I spoke on the phone with Transunion today in order to follow up on the status. I was told that the documents were received, but that they were unacceptable because they were sent from an unauthorized party. They would not provide any further detail and instead suggested that I submit a complaint to the CFPB. I have been contending with this issue since XXXX when the inquiry first began with no end in sight. Over these past 8 months I've taken multiple breaks away from work in order to contact Transunion during regular business hours, as well as spent money on certified mail to ensure these paper documents were received since Transunion refused to correspond in any other fashion than telephone. This is in addition to the negative impact that this fraudulent hard inquiry has had on my credit score/report. It is extremely frustrating that this matter has yet to be resolved despite the multiple attempts to both clarify and meet the needs of Transunion in resolving matters such as these.
Product: Checking or savings account

Attention : XXXX XXXX XXXX XXXX  CC : Navy Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CC : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX VA XXXX CC : Navy Federal Headquarters XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX Construction of Uniform Commercial Code to Promote its Purposes and Policies : Applicability of Supplemental Principles of Law. 

The Uniform Commercial Code must be liberally construed and applied to promote its underlying purposes and policies, which are : ( 1 ) to simplify, clarify, and modernize the law governing commercial transactions ; ( 2 ) to permit the continued expansion of commercial practices through custom, usage, and agreement of the parties; and ( 3 ) to make uniform the law among the various jurisdictions. 

( b ) Unless displaced by the particular provisions of the Uniform Commercial Code, the principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, and other validating or invalidating cause supplement its provisions. 


XXXX XXXX is writing to formally address several matters in connection with the account held at Navy Federal Credit Union, Account number [ XXXX ], and the recent settlement entered into by your institution with the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a request for specific fiduciary duties and remedies under both the terms of the CFPB settlement and applicable banking laws governing the fair and equitable treatment of the principal. Request for Full Account Documentation and Statements : Per ( GAAP ) and the right to an Asset Representations Review, we request that Navy Federal Credit Union provide a complete and detailed copy of the Investor file, including all transaction history, account statements, and any communications regarding fees or charges applied to the account during the period from [ XXXX to XXXX ]. 

Refer to the attached exhibits for further correspondence concerning this security account. Notice is hereby given that the Postmaster, through USPS, will be involved in the matter subsequent to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX CARD HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

I ' have sent several disputes to this company asking them for validation of debt with a contract/signature that belongs to me. I've also informed them of the several inaccuracies on my credit reports with proof of the inaccuracies and they refuse to do anything about it. 
I also obtained their licensing information from their website and after doing some research I see that they are not licensed in Texas for debt collection. I plan to take legal action as they have refused to remove this inaccurate information from my credit reports. They only respond with " verified '' but i am not asking for verification, i'm asking what method they used to verify the accounts and validation that the debt is owed. 

If you look at the documents i've submitted there are several violations '' Violation # XXXX. The Date of Last Activity shows XX/XX/XXXX with XXXX and XX/XX/XXXX with Equifax Violation # XXXX. Dispute Status : XXXX shows " Account not Disputed '' but Equifax shows " Account Disputed '' Violation # XXXX. I found the document that shows the XXXX states XXXX XXXX is licensed and registered and Texas is not one of the 15 states. Please see attached document. ( I will be seeking legal action for that as well )
Product: Credit reporting

Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX/XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX/XXXX to have them deleted with negative results.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I made a {$1000.00} deposit to AMT Machine ( XXXX ) Located at XXXX XXXX XXXX, XXXX, MD XXXX At the time of the deposit, the machine advised that there is an error and the funds will not be returned or available. A prompt advised how much funds were deposited ... I entered {$1000.00}, a receipt was printed. 

Another prompt advised if the amount of the receipt does not correspond to the deposit, to contact XXXX. I contact that number at XXXX to enter a claim. I was met with rude and unprofessional staff when I attempted to escalate the call. 

They are retaliating against me. I requested to speak with a supervisor, they placed me on hold for an hour and transferred me to the Fraud Department. They called me " ma'am '' multiple times, laughed at my expense. When I called back to get transferred to a supervisor, they disconnect the call. 

I am asking where is the money that I deposited in the ATM, can I please have access to my funds? They have not provided me a resolution or access to my funds. 

I checked the ATM machine yesterday and this morning XXXX XX/XX/XXXX XXXX and it is functioning and accepting funds and withdrawals. Please advise where my funds are? 

I spoke with the following people at Bank of America : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX  No resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

Hello I have multiple unauthorized hard inquiries I placed fraud alerts on my credit and contacted each credit bureau and they stated they do not have my information or I never submitted a application or had a account with them but when I try to contact the 3 major credit bureaus ( XXXX, Equifax, and XXXX ) they state they can not dispute without deletion from the reporting agencies. My credit was compromised between XXXX current of fraudulent/unauthorized activity, here is the current list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for a Best Buy Citicard. I was informed they needed more information. From there I and my husband spent over an hour trying to find out why they could not access my application status. I called the number on the credit inquiry. I was passed from number to number and was unable to get through the automated system. It just kept saying there was no record of my application. When someone at the first one would try to look it up, apparently there was an account in my name, but the security question answer did not match, despite it only being two names possible. ( It was the name of a pet that stated with the letter M ) I have only had two with that my entire life. Surprise! It was neither. I ended up having to call six times myself, and at one point was sent to their debt collection department. I repeatedly stated I do not have an account, I am unable to even find my application. Again I was sent to the same two numbers, one of which kicked me back to the second one I could not get through to a human on as again, there was no record of my application. During the last call I personally made, I asked for a supervisor at least 15 times, each time I was refused. When my husband finally called back he was able to get an answer. Supposedly my social security number did not match their records, despite this hard inquiry popping up on my credit report. He was able to get answers within less then 30 minutes, while I had been passed around and not listened to for over an hour at this point. I have never had this issue before. I requested they cancel the application completely as I refuse to deal with an unprofessional company, after this extremely poor experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my report with unknown accounts. Also have different names listed with differ state searches. Victim of identity theft.
Product: Credit reporting or other personal consumer reports

I requested fraud alert be placed on my credit report and security freeze along with fraudulent account being blocked after submitting ftc report and identity theft affidavit notarized. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

As XXXX, I have the power to stipulate. I stipulate that this fraudulent account be removed from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of Experian. Unfortunately, despite my initial contact on XX/XX/XXXX, Experian has not responded to date. Consequently, I am seeking your assistance in resolving this matter. 

The following details outline the specific inaccuracies and necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that Experian removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that Experian corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that Experian removes this account entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$95.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX  XXXX XXXX  Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX Balance XXXX {$110.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX, XXXX Inquired on XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX po XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance XXXX {$150.00} XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN TRYING FOR MONTHS DEALING WITH USELESS EXPERIAN COMPANY THERE IS STUFF ON MY REPORT THEY REFUSE TO TAKE OFF IT HAS COST ME MONEY AND CREDIT I'VE EVEN SENT THEM A POLICE REPORT. THEY KEEP SENDING IT BACK SAYING SAYING I'M NOT DOING ENOUGH ON MY END. I'M JUST SICK OF THEM.THEY 'VE COST ME A LOT OF MONEY TIME AND AGGRAVATION