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

On XX/XX/2020, XXXX ( XXXX ) illegal transactions were made on a Chase credit card Issued to me within a XXXX hour period in XXXX ( XXXX ) geographical locations ( XXXX XXXX  XXXX and XXXX ). The total amounts of the XXXX ( XXXX ) illegal transactions was {$430.00}. The Chase Fraud Dept was contacted and they responded by saying since the card was in the rightful card holders possession and they were in-store transactions with a chip card, they regarded the transactions valid. They were advised the rightful card holder did not make the transactions and produced surveillance video from XXXX ( XXXX ) merchants showing who made the transactions. Chase insists the transactions must have been valid because the rightful card holder had the card in his possession and it was made in-store with a card bearing the correct information. The rightful card holder was not in the location of XXXX ( XXXX ) of the transactions. The third ( XXXX ) illegal transaction was made in a store in XXXX shortly after the rightful card holder made a valid purchase at that store. The Chase Fraud Dept stated they did research into the complaint and rejected our response. They are holding us responsible for purchase we did not make and can prove it! Very frustrating! The Chase Fraud Dept has been forwarded all available information and records regarding this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXX XXXX  Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX
Product: Mortgage

I was on the HAMP with XXXX and after 5 years of 2 % interest rates my mortgage was to increase after 5 years 1 % a year until it max at 4.25 then it would remain fixed. Then my mortgage was transferred to XXXX XXXX XXXX and my loan % rate increased..they said they would follow up ... and never received a call back nor could I get in touch with anyone.. Now my mortgage has been transferred again to Select Portfolio Servicing and now my fixed rate had gone up again to 4.875 %. Im XXXX years old and I feel that Im getting no where with these company and Im on XXXX and have to chose what gets paid and what I cant eat this month to pay this bill.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX 
XXXX, TX XXXX Account : XXXX Date open : XXXX XXXX, XXXX Amount charge off : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your company is violating the FCRA by allowing this erroneous account information from this company to be reported incorrectly and inaccurately. This is a direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. This company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. 

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe.

15 usc 1681a ( 2 ) definition rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This explains that transaction ( payment history ) or ( experience ) chargeoff collection late payments between the consumer ( me ) and the person ( business ) making the report does not go on a consumer report. Furthermore showing how illegal this account is according to the fair debt reporting act.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts as they do not belong to me. If you can not verify these accounts with legally sufficient proof, they must be deleted from my credit report immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section XXXX Request : I demand full verification, including signed agreements proving my liability for these accounts. If you can not provide this information, 15 U.S. Code 1681g requires you to remove these accounts immediately.

FCRA Section 611 Request : Under 15 U.S. Code 1681i, you are required to reinvestigate and correct any inaccuracies within 30 days. If you can not verify the accounts, they must be deleted immediately. 

If you do not comply, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXX Bank, account number - starting with - XXXX XXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX starting with - XXXX 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 or 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.

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I have been banking with Wells Fargo for over a decade. Within the past 2 years, my grandfather started me sending me money in fairly frequent increments. Rather than using a new age, free transfer system, he uses old fashion wire transfers because he is over XXXX XXXX XXXX and this is what he prefers. 

Each time he sends me money, Wells Fargo takes a {$16.00} service fee. Over the past 2 or so years, this has added up to {$490.00} dollars in fees, to run a process with little to no costs to the bank. I asked to have some or all of the funds refunded because these fees are incredibly excessive, but they were unwilling to do so ( they actually were willing to refund some of the money over the phone but then none of the money over email/messages, which shows poor process control and an arbitrary system of refunds ) This feels excessive. They are basically taking money from my grandfather since he is too old to learn how to use new systems. Feels like this matches a pattern that Wells Fargo has exhibited the past few years of taking money from clients in made up fees.
Product: Credit reporting or other personal consumer reports

It appears that my file has been compromised. I was going through my records & noticed account that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block account that is found to be opened due to identity theft. The dispute account do not belong to me. Please remove this account. 

XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX- I opened the Citibank card and initiated two balance transfers from my XXXX credit cards totaling {$3200.00}. About two weeks went by ; I had received my card, activated it, yet on the app, both transfers were still showing as pending. I've never had a transfer take so long so I called to make sure they were going through. ( I think this was XXXX. XXXX. ) I was told by the rep they did not go through. I then said, " Can I cancel those two transfers then and just do one transfer because things have changed in two weeks. '' She said yes and helped me do just that. I canceled the two transfers totaling {$3200.00} and just did one transfer for {$5000.00}. I even asked AGAIN, " You are sure those two will be canceled and only the ONE transfer will go through '' and she said yes. 

Two days later, the first transfer went through, and it snowballed to all three going through, now totaling {$8200.00}, along with extra fees. I called again and I was clearly upset and asked to be transferred to a supervisor. The rep said " If I transfer you they will tell you the same thing. '' I did finally get a supervisor, or at least I think I did. She researched my issue and called me back after an hour or so. She ASSURED me AGAIN that she would handle and the first two transfers would be canceled and just the one transfer of {$5000.00} would go through. Well clearly that did not happen and now, as of XXXX XXXX, I have two credits on my XXXX cards : One for {$2700.00} and one for {$130.00}. 

I called Citibank a THIRD time XXXX XXXX. She basically said my ONLY option was to go through XXXX and get the credit from them to pay off Citibank. She also said she would waive ALL transfer fees. I repeated, " This call is recorded, right? '' She said yes. I said, " Then I am saying out loud again for that purpose you are waiving ALL balance transfer fees and I need to go to XXXX to get a refund and can then pay off Citibank with that money. '' She said yes. 

I called XXXX and now I have ONE check coming to me totaling {$2700.00}. I have no idea if this is really fixed. It's way too stressful and should not have taken this much effort.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from Citibank Credit card company to XXXX on XX/XX/2020 in the amount of XXXX. I check from CitiBank was mailed to XXXX on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from XXXX that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With XXXX on the line, I called Citibank rep who stated check had been cleared and cashed already, XXXX rep stated the check returned and a new one would need to be submitted. Citibank did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to XXXX. XXXX also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both Citibank credit card AND XXXX, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither Citibank, XXXX, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay Citibank they will report and If I don't pay XXXX they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion Subject : Request for Verification of Late Payment FCRA 609 I am writing to formally dispute a late payment on my credit report that I believe to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 609, I am requesting documentation that proves this late payment is valid and was reported correctly. 

The account in question : ACCOUNT : XXXX  ACCOUNT XXXX LATE PAYMENT XX/XX/XXXX. 
- OPENED DATE XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX XXXX LATE PAYMENT XX/XX/XXXX According to the FCRA, any item on my credit report must be 100 % accurate and verifiable. I request the following : 1. Proof from the original creditor showing when the payment was due and when it was received. 
2. A copy of the original payment history verifying the late payment.

3. A statement from the creditor confirming the accuracy of this late payment. 

If you are unable to provide all 3 of the requests listed and verifiable proof within the legally required 30 days, I request the immediate removal of this late payment from my credit report.
Product: Student loan

I was volunteering overseas for several months, when I came back to the states I found that my account was past due. I contacted Sallie Mae inquiring about my repayment options, informing them that I 'm unemployed but trying to find money from relatives to help pay it off. I was also trying to help get access to my account online but they kept insisting that I have to talk to them and would n't help me access my account on the website so I could see my account information. As of this writing the representatives from Sallie Mae have told them there is no way to settle my account, and they did not help me get access to my account on the website. I feel as if they 're preventing me from accessing the information I need to make the best decision for paying my account off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies reported on my credit file under the XXXX XXXX XXXX account ( # XXXX ). I believe these errors violate the **Fair Credit Reporting Act ( FCRA ) ** and **U.S. Code 1666b**. Please investigate and correct the discrepancies listed below. 

**Violations Identified : ** 1. **Payment Status Inconsistency : ** - TransUnion lists the payment status as " 60 days past due, '' while XXXX reports " Past due 60 days, '' and XXXX states, " not more than three payments past due. '' This inconsistency is misleading and a potential breach of FCRA 611 ( a ) ( 1 ), requiring accurate and verifiable information. 

2. **Date Discrepancies : ** - The " Date Last Active '' for XXXX ( XX/XX/XXXXXXXX  ) conflicts with TransUnion and XXXX XXXX XX/XX/XXXXXXXX  ). Such inconsistencies violate FCRA 623 ( a ) ( 1 ) ( B ), which mandates data furnishers report uniform and precise information. 

3. **Ambiguous Comments Section : ** - XXXX provides vague commentary that does not align with the other bureaus. Comments such as these can negatively impact my creditworthiness and do not adhere to the FCRAs standards for clarity and precision. 

4. **Payment History Error : ** - XXXX inaccurately reports a late payment ( 60 days past due ) for XX/XX/XXXX, despite my records showing no such delinquency. This late payment notation breaches **15 U.S.C. 1666b**, which outlines creditor obligations to ensure accurate billing information before reporting to credit bureaus. 
**Requested Resolution : ** - Conduct a comprehensive investigation into this account and correct any inaccuracies. 
- Provide written confirmation of all updates to my credit file upon completion of your investigation. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be promptly removed or corrected. 

Attachments : - Copy of the XXXXXXXX XXXX XXXXXXXX account screenshot. 
- Copy of my government-issued ID and proof of address ( for identity verification ). 

Thank you for your attention to this matter. Please notify me of the results of your investigation at the address listed above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for a Macy 's Amex card to get a discount on a purchase in XXXX and was approved. 
The items purchase were returned and an email on XX/XX/XXXX confirmed a refund had been made 11 days prior to the payment due date of XX/XX/XXXX. I owed nothing for the statement period. 
Today, XX/XX/XXXX, I received notification that payment was late. I checked online and saw I had been charged a {$30.00} late fee on the new statement which closed XX/XX/XXXX. 
I was on hold for XXXX minutes to get a representative, and when I did, she offered to remove the late fee " as a one-time courtesy. '' She was unable to understand that there were no charges owed or late as items had been refunded before the due date ( she was confused by a new statement, closing on XX/XX/XXXX with a payment which is not due until XX/XX/XXXX -- purchase also returned and refund confirmation received on XX/XX/23 -- so nothing is owed, and nothing can be late -- everything having been returned prior to payment due dates ). 
I wanted an email verification that the late fee had been removed so I asked to speak to a supervisor, but after another 15 minutes on hold, I hung up and called a different number appearing on the credit card statement. 
This second agent confirmed the late fee had been removed and that all items show as having been returned and refunded but she said I will not be able to see this correction for 72 hours online.
Product: Checking or savings account

I had called Bank of America at the beginning of XXXX end of XXXX to make stop to all ACHs payments coming out of my business account including a stop to the debit card transactions. In the month of XXXX payments still went through and I incurred more than 200 in nsf/overdraft funds. I contacted the bank which had assured me these will be taken care of. I called at the end of the month to ask for assistance on these charges since they occurred after I had request the freeze in my payments from my account. The denied any assistance in removing these even after covid financial impact on my business
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX