23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received an email from XXXX XXXX thanking me for purchasing an e-gift card for {$250.00}. On that same day I got an email from XXXX  saying an e-gift card was purchased for the same person as the XXXX XXXX XXXX gift card was purchased for but for {$300.00}. I filed a dispute with a bank employee on this same day. I found out that there were other charges pending that same day that were declined when I was at the bank reporting my dispute. I was initially credited back the funds. 

On XX/XX/XXXX I received a letter in the mail stating that no billing error occurred with the XXXX purchase. XXXXXXXX XXXX refunded my money. In this letter it contained the documents used to determine why. They are in the tiniest print & barely legible for one, and two it does not provide compelling evidence that the purchase was made by me. In each of the purchases they used different emails to send the e-gift cards to, but they were all sent to the same person. I can provide all the emails as I did to Fifth Third. 

On XX/XX/XXXX I sent in all documentation and a letter stating I wanted to reopen this case due to the fact the purchase was not one I made. 

On XX/XX/XXXX I had not heard from Fifth Third Bank and after I had tried calling their fraud line ( always had to be transferred and always got disconnected ). I went into an office and an employee called the dispute line for me. At this point they did not have an answer in regards to the outcome, but I was told I would hear something in the next few days. 

In a letter I received today ( XX/XX/XXXX ) dated XX/XX/XXXX stated : We previously conducted an investigation of your dispute. As part of the investigation, we reviewed all available documentation and information related to your disputed transaction. Based upon our investigation we determined no billing error occurred. We sent you written notice of our determination on XX/XX/year>. We have not received any information that indicates that our determination was in error or that we should reopen the investigation. 
It seems like they are just letting this fraud go on my account. I will continue to dispute this considering I did not make this purchase and have no intention of paying for something I did not purchase. I work too hard to purchase an e-gift card for something at XXXX or anywhere else for that matter for someone Ive never heard of when I wont spend money like this on myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report a few days ago and to my surprise I saw numerous incorrect information that did not belong to me. I reached out to the bureaus to get this corrected immediately and report the fraud accounts and was given the run around. I was put on hold numerous times and no real investigation happened. I also sent in a dispute and still nothing. I am attempting to remedy this situation asap. I never gave any of these companies any written consent to report anything on my consumer report. Please see attached documentation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Product: Debt collection

Collection account says Financial Data Systems amount owed {$77.00} opened XXXX. Account does not belong to me, I was a victim of identity theft.
Product: Vehicle loan or lease

On XX/XX/2024 on hyundais website is an offer for a lease of XXXX down with payments of XXXX a month for XXXX  months. There is then a link to find qualifying vehicles in my area. When I click on the link I was directed to a local dealership and the lease offer from them was XXXX a month and over XXXX down. The salesman XXXX at hyundai XXXX XXXX said those deals never actually exist. I do not believe the advertised terms are available. Nor have any leases been written under those terms
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Product: Debt collection

I have a debt on my credit that is reflecting very negative. I have contacted the debt collectors and have no received a response or letter with my signature stating that I owe this debt. It has almost been 30 days i need it removed.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX has forward a questionable charge to a Collection agency name CREDIT COLLECITON SERVICES OF XXXX, XXXX. 

I received an unsatisfactory response from an XXXX XXXX XXXX in regard to a {$200.00} amount of which I don't believe I owe. XXXX XXXX XXXX refuse to renew my policy, without cause, cancel adding a charge an account. 

The Collection agency has forward numerous collection letter voided of stating a consumer right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXXunknown phone call received XXXX # XXXX received XXXXunknown phone call received : I returned call which I found was XXXX : This was someone from PNC, stating they were attempting to contact my ex-son-in-law ( they only gave me his name, XXXX XXXX ). He said they were reviewing a resume and needed to talk to me ). I asked him to never call again and he stated I would be taken off the list ). 
XXXX XXXX received from XXXX XXXX from XXXX, Wa. I called back to the number XXXX and it was someone from PNC regarding my ex-son-in-law. I told them to not call again. 
XXXX Call from XXXX again. 
Called that number back. Same individual again and repeated that I didnt want to be called re : son-in-law from PNC. He began angry and said I was lying about my son-in-law and hung up on me.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( XXXX XXXX XXXXXXXX FOR {$330.00} OPENED XX/XX/XXXX ) ( XXXX FOR {$1300.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX XXXX FOR {$7800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX  FOR {$470.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$220.00} OPENED XX/XX/XXXX, ) ( XXXX XXXX FOR {$200.00} OPENED XX/XX/XXXX, ) ( XXXX XXXXXXXX XXXX FOR {$790.00} OPENED XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

So on XX/XX/XXXX funded the account on XXXX and I payed for some crypto. Got the crypto once I bought the XXXX XXXX. I then wanted to move to my cold wallet. I transferred a small amount like XXXX bucks to check it and boom it went through but they locked up my account for whatever reason. Same day I tried to Contact them. They said that they need a id to continue with the case. Its been XXXX weeks and my funds are not able to be sent. I personally think its bc they dont have them and they are a fraud. After I checked it seems to me as they are shady and I messed up using them as a platform. But still need help its been a long time and its all the money I have. I really want help. The company told me XXXX diffrent times that they were on it but they gave me a new case file every single time. They were extremely rude and hung up. I am beyond unhappy. So I finally just called them and told them my name in the app and everything matched but then they said they still need Id verification to continue. They just want to lock up my funds maybe because I sent crypto and they thought it was a scammers. But no its me and I need help. By the way the XXXX charge was because the debit card limit I maxed it out so o used usdc and sent it to XXXX. In the attachment btw XXXX XXXX IS THE COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX  account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

These American Express accounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts are SETTLED AND paid in FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and 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. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and 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

I Went to court on this collection account with Lvnv funding in XXXX in XXXX XXXX XXXX. The plaintiff did not show up so the judge dismissed it. I thought that they would update or remove the collection as per the judges statement but this never occurred. I did not receive anything from the court after the judgement, I am asking for both of the collection acts with LVNV to be removed.
Product: Credit card or prepaid card

I always try to pay my Goodyear credit card n time. If I am not mistaken my monthly due date is by the XXXX of eaach month by XXXX of that day. Last month i I realized i had to put my paymernt through but I was only 55 minutes late becaus of home issues and the Covid 19 pandemic, so i called in my payment at XX/XX/XXXX only 55 minutes after the cut off time. @ XXXX XXXX..The next day in the morning of the XXXX I called them and the representative said they would honor the XX/XX/XXXX payment as being on time and they wouldany late fees or interest. 
So tongiht on the XXXX of this XX/XX/2020Month i wanted to make my XXXX payment ( even though we are having hardship with funds becuse of the Corona Virus situation ). When I saw My bill I was very upset and to my dismay there were late fees and interest from the previous month on my account statement. The rep said " there would not be any and that they waived them '' .. I find this to be unfair buisness practices by Good year. ( This seems to be an on going problem by this conpany from past history. they never get it right ) .I would like them to adjust and waive all the interest and late fees from XXXX XXXX they lied!!!! ( unfair business practices when I asked for a confirmation # on this agreement they said " They had none but not To worry. '' I guess they took advantage of me
Product: Student loan

On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Account # XXXX American first finance violated my rights 15 U.S.C 1681 Section 602 A States that I have a right to privacy 15 U.S.C 1681 Section A 604 A section XXXX A Consumer reporting agency can not furnish a Account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

he accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX - FCRA Violation XXXX Multiple fcra violations XXXX XXXX  XXXX XXXX, XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, equifax and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Debt collection

In XXXX of XXXX I stopped making payments to the original creditor ( XXXX ) accumulating a past due amount totaling {$250.00}. This account was sent to collections and acquired by Credence Resource Management. My XXXX  consumer report reflects this account, however it lists the date as being XXXX of XXXX and the amount being {$210.00}. I have never made any contact with either the original creditor or the debt buyer, nor made or offered to make a payment, and therefore have reason to believe this account has been illegally " re-aged. '' I filed a dispute with XXXX, whose investigation determined the date ( XX/XX/XXXX ) to be correct, when in fact it should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 but it seems that you have closed it on the same day. I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove inaccurate personal information and accounts : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt
Product: Checking or savings account

I noticed an email from Chase which stated I requested to delete my phone number and if I didn't to call the bank. So I called the bank. The first Representative helped me to add it back so my text alerts would get to me. 

What I believe the bank did : Somebody at the bank deleted my phone number so I would not receive alerts. No one else but the bank has access to my account. The bank refused to remove or to reduce these remaining fees. I have been a customer of theirs for many years. I also believe someone at the bank changed some of my purchases that took place previously to post on XX/XX/18 so that each of them could generate more fees. For the past several years, my purchases appear almost immediately pending then they post on the date made. Then all of a sudden for this incident, purchases made on different dates appeared on XX/XX/2018. For example, The attached receipt shows purchase XXXX XXXX purchase made XX/XX/18 but the bank shows it being made on XX/XX/18. Another attached receipt from XXXX shows purchases made on XX/XX/18 ; however my bank statement shows it was made on XX/XX/18. This is a way for the Bank to maximize their fees. XX/XX/XXXX doesn't appear on my bank statement at all. This is not an accurate representation of events. 

What I did XX/XX/2018 : I called the bank to inquire about how my phone number became deleted so I could not receive text alerts and the representative did not know and could not provide any explanation. He assisted me with returning my phone number to the alerts. After about an hour on the phone with the bank, I requested a reduction in fees or a removal of fees and XXXX a supervisor said he consulted with " the back office '' and nothing could be done. 
I inquired about all of the fees, 7 of them - maybe less at the time of that conversation. The insufficient funds fees continued to increase between XX/XX/18 and and XX/XX/2018. My overdraft balance continued to increase as well. Bank fees total {$230.00}. My account balance at this time is - {$820.00}, a negative balance The impact to me : Almost my entire check will go to pay my negative balance. As a result, I will not have money to pay my bills, and the negative balance and fees will continue. 

At the time the bank fees started, I had funds at the bank in another account to more than cover the insufficient funds. They could have called me for approval to uses that or at a minimum to alert me. In the past, I have received alerts asking me if I want to transfer to cover an overdraft. However, since someone at the bank deleted my phone number, I did not receive that. 

Why did they do it : I believe they want to get all of the profits they can for the year end. 

My request : I am requesting reversal of all of the fees in the amount of {$230.00} because they are a result of the bank 's actions with not alerting me to the situation with a phone call or text message.