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

On XX/XX/19 and XX/XX/19 I tried to purchase airfare on airline carrier that have bought in the past, three times on XXXX XXXX and once on XXXX. 

No reason, no one called to verify the charges, going online, were not alerts but under charges said merchant id amount and real time score.. 

On XX/XX/XXXX Spoke to XXXX, she refused to provide any info, she said that they blocked the charge for no reason, she was explained that we have in TDBank over quarter million dollars, and TD caused a loss of {$XXXX}, she said to escalate to her management and they will post {$XXXX} worth o bonus points to the account to offset the loss. 

Nothing happened, On XX/XX/19 XXXX Called the Georgia call center and was answered by XXXX , who she was rude, obnoxious and terrorizing, refused to provide any info about herself or her supervisor, she was demeaning and threatening to seize our money ... Refuse to make good, she was asked for her physical address to send a summons for the loss and she refused to provide, at the same time, she was informed that she will be tracked down and maybe called as a witness she transferred the call to XXXX , who she said that I can not bring a suit, she is a director of credit card services, and they are exempt from US law, as they are subsidiary of a XXXX Bank .
Product: Credit reporting, credit repair services, 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. 

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 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.

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

I was written a letter of owing for a carpet cleaning in the amount of XXXX after moving out of my apartment of 11 years on XX/XX/XXXX of last year. I know for a fact having lived their that long that they replace the carpets immediately following a move out, so why would I owe to get something cleaned they are going to remove? Please see my email to them the day I received the notification. Following this email to them I heard nothing else and then it hits my credit report for collection. I do not owe this amount and this should be removed from my credit report as it is now hitting it in a negative manner. I would like your help in resolving this as I can't get this resolved with the company because they don't answer the phones at any of their locations. 

To whom it may concern, I recently moved out of this unit after having moved in XX/XX/XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX of XXXX, not one thing other than the water heater that busted and the compressor that wore down, because who knows how old it was already, was replaced aside from a few toilet handles etc, here and there. You can not tell me that the carpet, which you want to try to charge me XXXX dollars for, isn't due to be replaced before someone else moves in. That's just simply unsanitary. With this being said, I will NOT be paying for this bill. Especially when it was cleaned each year thru the company you have hired upon each lease renewal, as a deal to your tenants. If you continue to come after me for this obscene charge I will be reporting this request and the fact that you are trying to get out of replacing this for new tenants, especially after Covid season, to the XXXX. I had lived there long enough to know that you do in fact replace carpets in most units, so this should be no exception. This is insulting and frankly after being a gracious and respectful tenant that produced zero issues at your complex, I am extremely disappointed and find this very unprofessional. Thank you and please take this to your corporate office. XXXX
Product: Debt collection

Your company Mountain Run Solutions , LLC. is inaccurately reporting on my credit file on all 3 bureaus, wish is a violations of the ( FCRA ). I have asked them several times to send me validation of the debt and they refuse to do so, which I the consumer have the rights to obtain all information that I ask for including, original contract with pen signature charges with interest, fees, dates of all pymts, dates of payments posted, posted by, please included the license provided at time of " service '' please verify letters that you've send and also its reporting joint which is invalid. I have had enough of dealing with this. It's causing distress to keep having to put time and effort into writing your company that is legally not responding to me per the ( FDCP ). Your company is a debt buyer and has multiple dozens of lawsuits of inaccurately reporting accounts and information. This will be my last and final warning of the errors on my credit report that you will be help liable for per each one of those violations. I have contacted all 3 credit bureau 's as well over the last year multiple times and you guys are not sending them any of the information neither along with reporting your incorrect balances. I demand that you remove these from all 3 of my credits reports immediately.
Product: Debt collection

On XX/XX/2020 at XXXX, I contacted Capital Accounts regarding a collection account that showed up on my credit report for {$61.00}. They stated it was for a dental bill at XXXX XXXX XXXX. I told them that I have never been a patient of that dentist, they asked if I had a spouse or children that were a patient. Since my children are grown and out of the house, I told them that I did not know. They stated that since I carried the insurance for the account that I was legally responsible for the bill, even though I did not sign any agreements. I informed them that is not the case and asked them to send me the information on the account and they said they could not. They also did not send me the notice of debt within five days of our first communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my credit limit by {$7500.00} on my two credit cards ending in XXXX and XXXX in a letter dated XX/XX/XXXX. 
The card ending in XXXX was reduced from {$3000.00} to {$500.00} and the card ending in XXXX was reduced by {$7000.00} to {$2000.00}. 
My card ending in XXXX was opened around XXXX - XX/XX/XXXX. 
The letter indicated that Transunion reported my credit score as XXXX on XX/XX/XXXX. But my XX/XX/XXXX credit score was around XXXX as per the XXXX XXXX report. My credit score never dropped by XXXX points in 1 day! 
I called the customer service of XXXX XXXX and they asked me to open a complaint with Transunion. I called Transunion and they mentioned they can only give me my 'current ' credit report and not any historical report. Transunion can open a complaint only for a mistake on the credit report and started asking money for historical reports. 
I notified XXXX XXXX and they asked me to send the XXXX XXXX report to a specific address. 
I sent 4-5 letters to XXXX XXXX and all were sent with USPS priority mail and tracking showed that all letters were delivered from the past 6 months. But XXXX XXXX didn't respond by letter to any of my letters.

Because of the actions of XXXX XXXX and a bad response to its long-term customers, my overall credit percentage compared to credit limit increased that impacted my credit score. My credit score reduced by this massive drop. Other credit cards followed the suit and the credit limit further dropped by nearly {$10000.00}. 
Other things they mention in the letter is that generic statements saying my card balance on other credit card is high. Question is, how does XXXX XXXX know if the other credit lines I have are with 0 % APR or not? You look at credit cards with your bank first and see how much effort I had made to pay off the XXXX XXXX cards and improve my credit score. 
The action of XXXX cards only indicates that they do not want consumers to pay off their credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus so please hear me out. A few days passed and I still did not hear anything back.
Product: Student loan

Around XXXX 2007, my son enrolled into XXXX XXXX XXXX, where we were directed to apply for federal loans through XXXX XXXX ( now Navient ), of which I received a loan of {$20000.00}. I began making payments to this loan six months after that. We have been making payments to this loan for around 10 years. Every year, the monthly payment amounts billed increased. We have been paying this loan consistently to this day. Due to our request for aid the monthly amount billed is {$150.00} per month. We keep in contact with Navient to keep it at an amount that we can pay based on our situation, which is only due to our efforts. The reason we are upset with Navient is because that the principal loan amount has remained the same, regardless of our payments, ever since we began this loan.
Product: Credit card or prepaid card

I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for my report to be pulled on XXXX and the report is inaccurate. The company that pulled the report is XXXX I was a victim of identity theft and XXXX is reporting inaccurate evictions that have already been proven not to belong to me and have already been removed from my credit reports as well as my XXXX  XXXX report. These have already been reported to the cfpb. I want these removed immediately. I have never lived at these addresses that are being reported. It has already been investigated and proved that they dont belong to me. Also, if you look at these evictions there are 2 from the same Address. It doesnt take a genius to know that one could not get evicted from the same place twice, 5 months apart according to the XXXX Report, clearly something isnt adding up. How could one supposedly be evicted and then go back to the same place and be evicted again, as XXXX is reporting? That makes no sense. 

I have also included screenshots of the other 2 things that appear on the XXXX report. Two traffic tickets that are in-fact mine. Notice how on the top of the report it says my full name XXXX XXXX XXXX it also says my correct full name on the traffic tickets. On the 3 evictions that do not belong to me it does not say my complete full name. It only says XXXX XXXX. When filling out any applications, documents, or legal documents I always put my full name XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX knows that they provide inaccurate information because they clearly state it in the first attachment that I have submitted. This is unacceptable and I want this immediately removed from the XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.
Product: Money transfer, virtual currency, or money service

I disabled my Binance US account, and I submitted a ticket to reactivate it. Their customer service is very unhelpful. No one contacted me in almost 3 weeks, I sent follow up emails to customer service still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 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 card or prepaid card

On XXXX XXXX, 2012, I opened a secured credit card with Bank of America, and made a deposit of US XXXX XXXX dollar. I was told that once I used the card for one year and repay it as though it was an unsecured card I would be issued with a credit card from the bank. Upon using the card I later notice that I was being charge interest on the money I deposited. I was not pleased about it so I requested for the card to be closed after using the money that I had deposited. I later discovered that Bank of America reported the account to the credit bureau. I am puzzled as to why, because the money I used was put on the card by me. I have made several attempts to have them remove this item from credit report which they have ignored.
Product: Checking or savings account

My account data was breached as part of HSBC admitted data breach. I have now had wire fraud and ach fraud on my account. The latest fraud was in the form of an automatic payment of {$2000.00} from XXXX. I dont shop at XXXX nor do i do any business with them. HSBC is telling me the charge was authorized by me and to call XXXX. They are ignoring their own lack of system security and refusing to protect my funds, or return my funds.
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous 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 an alleged fraud or extortion. XXXX XXXXXXXX. Please delete this account immediately.
Product: Debt collection

I received a message from XXXX. The message was for an ex-boyfriend I have n't seen in 12-13 years. Not only have I gotten married and have a different last name now, I have lived in XXXX different states and changed number a few times. I have no idea how the company got my number, and the message left threatened legal action and was very threatening overall. I wish I could tell him to make this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report and/or noticed that someone applied for something in my name which are : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Have contacted the creditor for deletion.
Product: Credit reporting or other personal consumer reports

Hi there, I recently reviewed my credit report ( XXXX / XXXX / Experian ) and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XXXX ). I'm now requesting you investigate this account and update these payments to paid on time status immediately. Thank you in advance for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I checked my credit report over a month ago using XXXX and noticed errors on my credit report. I wrote the agencies by certified mail and i will have that proof attached. 

There were several errors and several accounts listed below, I wrote them with proof, showed the errors with my copy of my credit report and showed the errors to either correct or delete right away... 

It has been 30 days and i received letters in the mail showing Verified as Accurate, after they didnt fix anything. They literally just ignored my letters and kept all errors in place and left everything inaccurate. 

The errors as described are as follows and nothing has changed after their investigations which is against the law : Account # 1 XXXX XXXX Account # XXXX This account Needs to be Deleted. This is not my account. I have never had or done business with XXXXXXXX XXXX It is not even in my name. My name is XXXX XXXX. Also the High Balance of Trans Union is {$7100.00}, Experian {$0.00}, and Equifax does not report. It was Last Verified on XX/XX/XXXX by Transunion and last verified Never by Experian, Date of Last Activity was XX/XX/XXXX by trans union and XX/XX/XXXX by Experian. Equifax reported this as XXXX and removed in XXXX when first reported as wrong. This account needs to be deleted promptly please. 

Account # XXXX : XXXX XXXX XXXXXXXX Account # XXXX This account Needs to be Deleted. This account has been reporting 100 % inaccurate for over XXXX. Equifax has deleted this account in XXXX for being inaccurate. 
Transunion shows Date of last Activity on XX/XX/XXXX, Experian on XX/XX/XXXX Transunion shows Date Reported as XX/XX/XXXX, Experian on XX/XX/XXXX Transunion shows Date Opened on XX/XX/XXXX, Experian on XX/XX/XXXX Transunion Shows High balance of {$6200.00} and Experian {$0.00} This account is Definitely being reported inaccurate and Needs to Be Deleted Please. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account Needs to be Deleted. This is another account being reported inaccurately for a couple years now. I have asked before to verify it and make it accurate and nothing has been done. 
Transunion shows Last Verified on XX/XX/XXXX and Experian Last Verified Never Transunion Date of Last Activity was on XX/XX/XXXX and Experian on XX/XX/XXXX Transunion shows date reported on XX/XX/XXXX and Experian on XX/XX/XXXX Transunion shows date opened on XX/XX/XXXX and Experian on XX/XX/XXXX Transunion shows Payment Status as 30 Days and Experian Shows Current Transunion shows Last Payment on XX/XX/XXXX and Experian shows XX/XX/XXXX Transunion shows Past Due amount of {$880.00} and and Experian shows {$0.00} HOW CAN ALL THIS Be DIFFERENT between Credit Bureaus, This is against my rights of having a correct Credit Report and Needs to be Deleted. 

Experian is also showing my name as XXXX XXXX on my credit report which is the same name as the XXXX Account # XXXX. How is this persons account still on my credit report when it is clearly not my account much less not even my name. 

**TRANSUNIONS Investigatin File Number was XXXX **Experians Investigation Report Number was XXXX
Product: Checking or savings account

I have been in Wells fargo bank for many years now. There have been times where i get charged for over draft fees and non sufficient fees many times and lately it has been almost every day. I have called and complaint but im only told im able to get the {$35.00} fee reimbursed once every 12 months ; but yet i can get charged many many times by them.
Product: Credit card or prepaid card

A Capital One credit card application was filed fraudulently and soon after approved without my consent. I was notified by a credit report monitoring service that a hard inquiry was reported to XXXX and XXXX. I called Capital One multiple times with very little success in closing the newly opened account. Ive been told each time that the credit card account is open but the representative will close it. I call in the next day to follow up and the account is still open and that representative closes it. This is the cycle of dealing with over seas customer service. The people that stole my identity have opened online banking with a credit card at Capital One. No idea how this happened never lost my wallet, never leave it unsecured, or misplaced.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia,XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Inaccurate Information in My XXXX Report To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my XXXX report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information I am disputing is erroneous and does not accurately reflect my banking history. 

Below is the incorrect information that appears on my report : Fifth Third Fraudulent account inquiry XX/XX/year> Under the FCRA, credit reporting agencies, including XXXX, are required to investigate any disputed items within 30 days of receiving a dispute. Additionally, the FCRA mandates that any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted. Specifically, Section 611 of the FCRA requires that XXXX remove any information that can not be verified within this timeframe. 

I request that you investigate the information I have disputed and remove any inaccurate information from my XXXX report. Enclosed are copies of documents that support my position ( e.g., bank statements, confirmation of payment, or other relevant records ). 

Please send me a written statement of the results of your investigation and a free copy of my updated XXXX report once the investigation is complete. If this incorrect information has been shared with other parties, I request that those parties be notified of the corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of my dispute in accordance with the law. 

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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Payday loan, title loan, or personal loan

Applied for a line of credit thru chase. I have an immaculate credit record and score. I was given an interest rate over 8 %. This is predatory lending. They are trying to rip people off.
Product: Checking or savings account

on XX/XX/2018. I tried to use my bankcard to purchase a money order but wasnot able to do so. the bank had put a hold on mycard without my consent.. I was not able to purchase the moneyorder. I had to go to the branch to get the hold taken off my card.I was told that because ofthe amount of the money order the hold was put on. I know that is not true because I have use this before for money orders totaling more than that.