23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I filed a dispute for an unknown charge on my checking account for XXXX $ from XXXX XXXX. A couple of days later my bank Sofi emailed me saying my dispute was denied with no reasons whatsoever. I filed a appeal and also asked for support documentation on why this dispute was denied but wasn't given anything. 3 buisness days after that I got another email basically saying the same thing. I stated to my bank that I don't know where this transaction came from its from a Towing company and I don't even own a car or have a license. I'm sure you guys would understand and help me out with this.
Product: Credit reporting or other personal consumer reports

After filing an identity theft report with the ftc and disputing an account with transunion for transunion to block this erroneous information. I reached out to the Cfpb via complaint ID XXXX asking Cfpb for help with blocking an account federal law 15 U.S Code 1681c-2 stated applies to my situation. Transunion not only disregarded my letter the company also disregarded my complaint through the Cfpb. I filed another complaint with the cfpb in hopes this complaint was more clear and concise complaint ID XXXX and Transunion removed the incorrect XXXX XXXX  on XX/XX/. On XX/XX/XXXX  transunion reinserted XXXX account on my report not only violating the block i requested but also 15 U.S. Code 1681i ( 2 ) Procedure in case of disputed accuracy. ( 2 ) Prompt notice of dispute to furnisher of information. I did not receive written notification within the five days the law allows for this re-inserted account on my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX are reporting incorrect information on the account listed as XXXX XXXX XXXX Account # XXXX there is so much information that is inconsistent. The account can not have been verified as accurate because XXXX is the only agency reporting a pay history while XXXX isnt reporting g the account and TransUnion has no history but yet marked the account charge off. XXXX is reporting several late payments that is not correct and goes against federal laws. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Mortgage

I had a home discharged through the bankruptcy courts in XXXX. Since then, Chase Mortgage harasses me on a weekly basis- through mail and calling my cell phone repeatedly. I have no idea what they are after since legally, I am no longer responsible for this mortgage.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Payday loan, title loan, personal loan, or advance loan

I purchased add on protection in the event that I should lose my job or potentially get laid off. I had both of these addons on both of my loans. The first time that I used the protection was because I had a Temporary loss of income due to XXXX. They then informed me that I could go ahead and get the XXXX time Payment for my Time that I was off work, but they also Told me that the add on protection would now be void because I used it within XXXX day Of signing the loan. I had XXXX and it was not something that was planned. The second time I had to use that I was unemployed because I was XXXX from my job. because the State of Ohio is an at will employer, Getting unemployment for the 60 days that I had no work was next to impossible.They said because I was not eligible for unemployment that I was not eligible for the add on protection plan. When agreeing to the loans, both times it was presented that should you get XXXX, you are eligible for payment coverage. It was not stated that you had to be approved for unemployment first.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to express my growing frustration and disappointment regarding the ongoing issue concerning the correction of a late open accounts, despite repeated attempts to rectify it. This letter serves as a formal complaint concerning the 6th unsuccessful endeavor to address this matter.

The continued presence of this late open accounts on my records has caused me significant distress and inconvenience. It not only affects my financial standing but also undermines my confidence in your institution 's ability to handle such matters effectively and efficiently. 

I urge you to take immediate action to rectify this situation comprehensively. This should include conducting a thorough review of my account records to identify the root cause of the discrepancy and implementing measures to ensure that similar errors do not occur in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with transunion that is hindering my file. all information has been submitted that is invalid please update all information asap.
Product: Debt collection

There account reporting from NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), this account is fraud, Is not mine. Please help remove it, is affecting my credit record.
Product: Credit card

I did a balance transfer which paid off this credit card. I found that I had extra money put into it. I called them to see if I can get a check of the extra credit and they said yes they go ahead and send me one, but I didnt think anything of it with the Amount that they sent so I went and cashed to check and found that my account was overdrawn and now more money to the account I call and ask whats going on and they apologize saying that a new person was the one that sent to check out for the amount that I paid. The representative I spoke with helped with the issue I was having and was able to resolve it. I asked if we can close the account and she said yes. I then ask if I will have to continue to pay and she responded with no. I am now getting emails and calls about paying the debt off even though it was not my fault that this happened. I also confirmed with a supervisor from their team that the issue was resolved, and I no longer have to pay. I went on XXXX XXXX to dispute it and it was accepted, and since then they have been blowing up my phone multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date XX/XX/2022 I submitted a Dispute to XXXX, & Experian concerning information being published on my credit report. Unfortunately they have yet to correct my credit report and as a result my financial life is being dramatically affected.

In accordance with the Fair Credit reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX XXXX XXXX XXXX has violated my my rights. 

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805A 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 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

They have no right to the debt because net credit is still claim ownership of this debt on my credit I can show proof they will need to send me a debt validation claim 15 usc 1692G full detailed list of the payment history on this account I wan na to see the original signature that I agreed to on the contract for this creditor Has there been any insurance claim found on this debt I also want to see the chain of title that you have to collect on this debt
Product: Debt collection

In XX/XX/2018, I received a document at my place of employment requesting verification of my income. Upon receipt of this document, I contacted P.S.C. to discuss the debt and my intent to pay. During this conversation, we discussed a promissory note for the debt in question, and I agree to review the document, and I made a {$50.00} good faith payment towards to debt after being told that I needed to do so. I was to receive a promissory note in the mail from P.S.C. in  order to begin making payments on the medical debt. To date, I have not received the document, but I have continued to receive harassing phone calls. On Friday, XX/XX/XXXX, I received a call from " XXXX '' demanding that I return his phone call by XXXX XXXX that day. On that date, I also made another {$50.00} payment as good faith, expecting that I would at some point receive the agreed upon documentation that would afford me the opportunity to clear this debt. 
It is not my responsibility to ensure that documentation is received by me in order to clear the debt. It is the responsibility of the collection agency to honor their part of the arrangement and provide me with proper information. I am not going to pay on a debt, under a verbal agreement with no assurance that my credit will not be impacted. If PSC wants me to pay the outstanding debt, then I suggest they stop calling to harass me, and they provide me with the written documentation they themselves proposed so I can go ahead and issue payments to clear the debt. This will be my only attempt to resolve this matter with PSC. Should PSC continue to harass me, I will take this to the next level. Thank you.
Product: Checking or savings account

Received letter from Comerica Bank. With welcoming me on my new account. Issued me 5 checks and 2 deposit slips. Never opened the account. Not sure why this bank offers people an option to open an account online and not require them to prove their identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I received notifications from several credit monitoring services that my credit report had been accessed. Someone had tried to open a Bass Pro Shop credit card through Capital One. I immediately called Capital One and let them know this was a fraudulent inquiry and I completed the steps they advised me of in order to have the fraudulent inquiry removed. When reviewing my credit report yesterday I noticed that the the hard inquiry was still reporting to my XXXX report. I called Capital One again and I was advised by the lady that answered that there wasn't anything they could do, that I would have to dispute the account directly through the credit bureau. I advised that I had already informed Capital One the inquiry was fraudulent approximately 18 months previously and they were the ones who needed to fix the mistake.
Product: Payday loan, title loan, or personal loan

I got a Loan from Marcus Goldman Sachs. The agreement was I would receive a statement every month and mail in my payment with a check. The payment is due on the XX/XX/XXXX of every month. It is now the XX/XX/XXXX and still have not received a statement in the mail.I called them and brought thin to their attention I have an Option how to pay this bill. They are trying to take one of the three options I have away from me.I still want the option to pay by mail. Do not want to get charged a late fee or interest because they did not receive the payment by the XX/XX/XXXX day of the month because I did not receve my statement on time. They told me they mailed out the statement on the XX/XX/XXXX. 
They also said I can pay by phone or online! It seams to me they are deliberately trying to get me to pay by phone or online so to save on paper work and collect a little bit more interest if they get my payment late.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I ended a lease early. I paid the leftover balance in full XXXX XXXX XXXX XXXX XXXX XXXX I received a letter saying that I had a balance of the same amount paid left for me to still pay. I disputed the claim with submitted proof from the apartment that I had paid the balance in full. It's still on my credit report as unpaid and has drastically affected my credit score/profile.
Product: Credit reporting

I was denied credit by my bank based on a trans union report on XXXX/XXXX/15. Trans Union will not provide my credit report. I have written them to request my free report on XXXX/XXXX/15 and have the return receipt form the post office showing they accepted the letter on XXXX/XXXX/15. I have uploaded this return receipt. They are still denying me my report. I tried requesting it through freeannualreport.com. They give confirmation questions with info from my file. None of the info for accounts showing opened under my name is mine. When I answer honestly, the site says that based on my answers, they are not able to provide my report. When calling their support line, the call is routed to XXXX, and they do not understand what return receipt is and they do not understand the federal law that says I have a right to my report. When I ask for a supervisor, they hang up on me. They have hung up on me 29 times now. I just want my credit report. Can anyone help?
Product: Credit card

this is on my Advantage aviator card thru Barclays Bank On XX/XX/XXXX I was billed {$99.00} for their annual card fee. 
on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent them a check for {$99.00} per date total payment of {$290.00} on XX/XX/XXXX they processed a refund of {$190.00} on XXXX they sent me a bill stating that the charges were misposted and that I owed them {$290.00} with interest and penalties dating back to XX/XX/XXXX I have called and written for an explanation for the last XXXX months and keep getting the same answer. 
" This letter is in response to your recent paynment inquiry. We are unable to complete your request at this time please contact us for additional details. '' When I call, I wind up getting the same letter XXXX weeks later. 
They have reported me as deliquenty since XXXXto the credit agencies which has seriously effected my credit rating. 
Attached you will find copies of my credit card statements starting in XXXX of XXXX till XXXX of XXXX. Also included are my bank statements and the last letter from Barclays How can this bank just add charges and fees without justification. 
How can they report me as nonpayment for months. 
I pay all my bills in full on time.
Product: Debt collection

Ive identified information on on my personal credit report. these accounts and transaction does NOT belong to me. The credit bureau nor the collection agency are responding to me about this debt. Ive sent countless dispute letters and all they keep doing is updating the debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Vehicle loan or lease

It was repossessed about XXXX months ago by sales my social is XXXX name XXXX XXXX METROPLEX ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX  and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.
Product: Credit card

My payment was due on XX/XX/year>, which was Sunday. I called the company on Monday XX/XX/year> to make a payment, and was advised that since the due date was on Sunday, and if I make a payment today by automated company system, my payment will be considered timely. As instructed I made a payment. However, on the next statement to my surprise I was charged late fee. My statement clearly indicates that the payment was made on XX/XX/year>. I called the company to clarify and remove late fee ( XXXX ) and spoke to female manager by the name of XXXX id # : XXXX, who told me that my payment was " late '', and she will not be able to remove " late '' fee. 
It is my understanding that according to current rules my payment was not late and I should not be charged late fee. 
All documents can be provided upon request. 

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

ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 22 days ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN report, I am now, taking the extra step, because I really need these addresses off of my credit report.
Product: Credit reporting or other personal consumer reports

Im writing to demand an immediate update on the fraudulent accounts and unauthorized transactions that have destroyed my credit report, as outlined in my previous letter.

Ive already provided detailed information about the fraudulent activity thats been carried out in my name, and I expect these errors to be removed, blocked, or corrected without further delay. This situation has already caused enough damage to my credit, and Im not waiting any longer for action.
Product: Credit reporting or other personal consumer reports

Weekly, I receive letters for balance transfer from Citibank. This includes a balance transfer letter received today for {$7900.00}. Also today, I received a letter from Citi stating they are unable to approve my application based on informaion received from XXXX. I attempted to make contact with both companies today and all I received were automated responses. I have worked hard to maintain my credit and this is where I take action. In reaching out to ethier company they are required to provide me with negative information that was used to deny an application pushe on me for a balance transfer.