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

I called the credit card company customer service again today XX/XX/2019. 
I asked him why I was charged a late fee of {$85.00} and they said because I didn't pay it on time in spite of the fact that I have a minimum balance that they automatically get so they're paid on time. I also pay the full amount, this month it was {$5500.00}, a few days before the due date. 
The representative insisted that does not qualify as being paid on time. They have it rigged so It's impossible to pay on time according to them. I think any reasonable person would say that I'm paying them on time and have never been delinquent. This has been going on for many months. And I have paid thousands of dollars in late fees even though I always pay on time in full. 
The best arrangement I could get with them was to pay my bill in full automatically for 2 months and then I might not be charged any late fees after that. 
Out of desperation and because they left me no alternative, I agreed to that arrangement. 
I think what they are doing is unethical and probably illegal and that they should refund all my late fees to me.
Product: Credit reporting or other personal consumer reports

UNATHORIZED INQUIRY ON XX/XX/23 XXXX XXXX
Product: Mortgage

I was in the refinance process with another Lender in early XX/XX/2020, and LoanDepot provided me with a better deal and I decided to go through the process with them and applied on XX/XX/XXXX. I sent the other lender 's appraisal report to LoanDepot, so they were at all times aware that the property I was refinancing was in a large, 150+ unit condo building -- a fact that is also evident from my apartment number.

Originally, I was told that the refinance would close in around 30 days. That date dragged. In the meantime, I provided LoanDepot  with all of the information they needed at all times. 

Starting in XXXX, LoanDepot representatives stopped providing me updates, and it felt like I needed to move the process along. Eventually, LoanDepot representatives stopped responding to my emails and phone calls. 

After the 60-day rate lock expired, and after I sent emails to everyone at LoanDepot whose email I had threatening to contact regulators, LoanDepot told me that, as it turns out, they can not refinance properties in condominium units with more than nine units. 

It is simply not plausible that it took the various representatives and underwriters two months to figure out that my property was in a 9+ unit condominium, given my apartment 's unit number, and the appraisal report that they had for two months. Either LoanDepot is guilty of gross incompetence, or more likely, this is just pretext to get out of closing on the terms to which we had agreed.
Product: Debt collection

I called the company to let them know I do not owe them the debt the person I was speaking to get hostile with me told me my credit would be damaged my work check will be taking in my federal government taxes would be taking to
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to buy XXXX XXXX tickets from a closed XXXXXXXX XXXX that my friend successfully purchased tickets from and use her tickets without issue. I paid {$2000.00} through Zelle for XXXX tickets, however it is now XX/XX/XXXX and I still do not have the tickets. The sellers have continued to ask for further payment, XXXX being {$700.00} to get the tickets transferred to me and in my name as well as services fees, that seemed reasonable so I paid that to the seller. Then they have continued to ask for more and I have not given them any additional funds. They sellers are still talking to me trying to get me to send them more and more. I asked for a refund but was denied.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received an email alerting me that an unidentified device had opened my XXXX  account, then another email stating that my password had been changed. When I tried to use my cell phone, I could not. I went to the XXXX  store and was told that my account had been hacked, my number confiscated and my service suspended. i spent XXXX ( XXXX ) hours with XXXX trying to retrieve my services to no avail. I then tried to open my cash app on my phones ' wigget and it disappeared off of the screen. I contacted cash app and spoke with a csr who tried to assist me with opening my account but we could not and he told me that he would continue to try and return my call but I never got that call so about XXXX ( XXXX ) days later I called again and talked with another csr who told me to open another cash app account with my new number which would allow them to tap into my old account, give it XXXX days and call back. 
I called back after XXXX ( XXXX ) days and spoke with another csr who took my information as well as all of the failed attempts to retrieve my old account. He informed me that he would make an attempt to access my account and return my call but never has as of to date.
Product: Credit card or prepaid card

In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. ( See page 1 through 5 of the attachment. ) We assumed the matter was being investigated by Amex but learned in XX/XX/XXXX that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. ( See page 6 of the attachment. ) We asked them to re-open the dispute, which they did in XX/XX/XXXX. However, it is now XXXX and they continue to say, " give us time, we are trying to contact the merchant '' and so forth. I believe they are simply stalling for time, and unwilling to admit that the information they could have obtained more than 18 months ago is no longer unavailable. ( It doesn't take 3 months to investigate a prior purchase. This is XXXX, with storage capabilities so awesome they are used by the CIA. ) I believe Amex wants my company to " eat '' the disputed charges that they failed to investigate. Moreover, because of this dispute, my company withheld full payment of our bill for many months and thus forfeited valuable Rewards points, which in some instances we had to pay to reinstate and in which in other instances we are told can not be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from XXXX, XXXX, and Transunion and I noticed multiple auto loan inquiries across all 3 Bureaus that  were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XXXX XX/XX/XXXX Transuion : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.
Product: Credit card

CREDIT REPORTING COMPLAINT AGAISNT CHASE In 2011 we found ourselves buried under a mound of debt and enlisted the services of a debt consolidator. All of our debts were amicably settled accept one, Chase Account # XXXX. 
We did not find out until recently it had not been settled. Chase had sent us a XXXX which we thought closed the account. What we found was that while we received the XXXX Chase continued to show the debt was open and had monthly payments due. We also found that two offers had been made to the third party representing Chase to settle the account but the offers had been refused. All this came up because I needed a loan to replace my heat pump and had no credit. 

I contacted Chase 's customer service and was told the " XXXX was issued as a courtesy to the IRS to inform them Chase was no longer attempting to collect the debt and they still considered it open ''. As I read the XXXX it clearly states " Summary of Form XXXX Cancellation of Debt '', not this is provided as a courtesy to the IRS but is really still open and due. Further Line XXXX says " Amount of debt discharged ''. How can this mean it is still open and due. I contacted Chase 's customer service once again and was given the same story even when I pointed out the XXXX reported the discharged amount as income to me and made it eligible for a tax write-off for Chase. 

At this point I requested to speak to a supervisor. The gentleman was pleasant and understanding but said there was nothing he could do. He offered to have his manager contact me if I would like and I accepted the offer. Late one Saturday afternoon a couple of weeks later I got a call from XXXX who identified himself as the manager, gave me his full name and employee number ( which I did not write down ). After a pleasant conversation he agreed I had a reasonable complaint and checked with his system which showed our debt had in fact been closed. Nothing was open and nothing was due. Yet he could not get this removed from our credit history as it was the responsibility of another group. 

I had reason shortly after this to visit the IRS and while I was there asked about the meaning of the XXXX. I was told it did in fact mean the debt had been discharged and if Chase refused may want to consider contacting the FDIC ( who 's phone number he gave me ). I did and they directed me to you, the Consumer Financial Protection Bureau. The only reason I can see for Chase to refuse to remove this ex-obligation from the credit report is pure and simple spite. By issuing the XXXX they have reported the discharged debt to the IRS as income to me and have provided themselves with a tax write-off if they choose. There seems to be no reason for this to continue to show up as an open debt on the credit report. Am I missing something? 
A copy of the XXXX is available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I advised this company that this is not my debt. The socical security number on the debt is incorrect and is not my social security number ending in XXXX. This is my second time disputing this debt. The first time was earlier this year around XXXX am demanding this debt be deleted from my Transunion credit report immediately. This debt is not reporting to XXXX, or XXXX because they are unable to because this is my debt. I have confirmed with this company that they always report all loans to all 3 credit reporting agency 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I moved cross-country early this year, and paid for both of our comprehensive credit reports through Experian so that we could have our credit reports to give to property management companies to look for rentals. As such, we were charged {$39.00} on XXXX/XXXX/XXXX for these services. 

However, on that date, we were unknowingly signed up for an Experian membership of some sort. We were not aware of this membership nor did we agree to the charges. We did n't access or use this membership in any form. Unfortunately, we only just recently caught this. 

We were charged {$4.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$24.00} on XXXX, {$24.00} on XXXX/XXXX/XXXX, and {$24.00} on XXXX/XXXX/XXXX ( this last one was refunded, see below, the rest totals {$170.00} ). 

We called Experian on XXXX/XXXX/XXXX. After lenghty holds and speaking to a manager, they only agreed to refund the pending transaction that was scheduled to be paid on XXXX/XXXX/XXXX. 

That any company, let alone a credit monitoring service that we have to use for things like securing housing, could unknowingly sign customers up for a membership should be illegal. That they responded with poor customer service makes me feel completely powerless and without any right to dispute these charges. 

I called Experian back on XXXX/XXXX/XXXX to file an official complaint with them, which, after 1.5 hours on hold, was noted. I am hoping that registering a formal complaint through CFPB and the FTC will result in some future remedy to protect others that might fall prey to the same very sneaky trap.
Product: Credit reporting or other personal consumer reports

It is official oppression to deny Man his own inheritance that which he has unlimited rights at any given time. If a trustee infringes on his rights and puts up barriers to prevent that Man enjoying the benefits of life then that trustee is committing Trust Fraud, Banking Fraud and are falsifying information which could cause damage, loss and harm to the Sole Beneficiary/General Executor. If the trustee hides or conceals information from that Man who is the Sole Beneficiary/General Executor over his estate then that trustee has engaged in Trust Fraud , Banking Fraud , Securities Fraud and for falsifying information. This applies also to providing the beneficiary with full disclosure of all transactions pursuant to 15 United States Code 1601 ( a ) informed use of credit. Its a crime to have me come out of my pocket to purchase something when my indemnity insurance card and security instruments invested in the transaction paid for my XXXX Toyota XXXX, and theres no evidence provided which proves me wrong. I operate in honor and are not attempting to get out of paying for the goods which I invested into. Anything which I purchase, I am required an itemized receipt which shows me that my item was paid for and that I should get returns on my investment. It is discrimination and defamation for employees at loan companies, all financial institutions advertising to provide loans, auto dealerships, etc. whos regulated under and by federal deposit insurance corporation to use non affiliated third parties to dictate if theyre going to do business with those same Men and Women  whom if they did not exist then companies can not make earn income.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XX/XX/2025 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Request for Debt Validation Dear LVNV FUNDING LLC, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : XXXX XXXX Amount : {$2200.00} In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. 
o The name, address, and contact information of the original creditor. 
XXXX. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan of {$5300.00} in XXXX. I is still showing as part of my credit amount owed. I have only {$1200.00} in credit card debt. It was with Chase. XXXX.