23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My account was in a positive balance. XXXX transactions which were to occur the previous day were applied by Bank of America and XXXX overdraft charges were made with a total amount of {$140.00}. I deem this activity to be unlawful. After contacting Bank of America customer service on XXXX/XXXX/2016, I was informed that the fees can not be waived and that I am unable to close my account which I had also requested during this phone call.
Product: Debt collection

Requested information for dispute company could not prove information and all credit bureaus are being sued to breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax disputes at the end of XX/XX/XXXX certified mail since each time they pretend to not receive my letters. Equifax has now added payment history and late payments to collection accounts from XXXX which goes against FCRA and also cause me to be denied credit. When I called them, the automated systems keeps telling me they can't find me although I provide the info that matches exactly what they have. Also the representatives hung up on me and one even transferred for me to equifax XXXX in the middle of me speaking mind you I am in the USA and called the USA line.
Product: Checking or savings account

Opened US Bank checking account for {$500.00} bonus if I made {$6000.00} in direct deposits within 60 days of account opening. 

XXXX : date account was opened - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit After 90 days have passed since I completed the {$6000.00} direct deposits, I have called US Bank multiple times to check on the status of my bonus. I have been told different things each time. At first, I was told that I have met all requirements and bonus should be hitting my account within 30 days. Then when I called back again, they said I should have received the bonus already so they will open up a case to investigate and will update me once they finished their research. I never got a call back so I followed up again. They said they will file another request for me to get my bonus, but I still never received it. The last time I reached out to US Bank, they finally said that I did not meet the qualifications of the promotion.
Product: Credit card

Date : XXXX. I dispute credit card {$890.00} for this ticket, expecting a standard level of service and comfort, but the experience fell far short of expectations. 

Cabin and Bathroom Conditions : The presence of XXXX XXXX  in both the cabin and bathroom was highly concerning. This not only created an unpleasant environment but also raised serious health and safety concerns. 

Meals Not Provided : Despite the duration and cost of the flight, no meals were provided at any point. This lack of service was both inconvenient and unacceptable. 

XXXX XXXX XXXX : The general service provided by the airline staff did not meet the standards promised, leaving me extremely dissatisfied.
Product: Consumer Loan

Purchased a XXXX XXXX bed on XXXX/XXXX/15. Purchase price was {$6900.00}. As part of the transaction, I agreed to 36 months of interest free financing with Synchrony Financial. Because of sales for the product XXXX, XXXX XXXX agreed to reduce the balance to {$5800.00}. Got my first statement for the Synchrony account today and the balance due is {$8800.00}, way more than I agreed to pay when I purchased the bed 30 days ago. I 've reached out to Synchrony and XXXX XXXX with little success.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I am a victim of Wells Fargo Mortgage and should be included in the recent settlement between CFPB and Wells Fargo due to the bank 's " illegal practices, including ... ... incorrect fees and interest charges. '' However, I never received any notice from Wells Fargo about this settlement. 

I submitted a complaint to CFPB on XX/XX/2017 ( case # : XXXX ) but was closed by CFPB without any solution.
Product: Checking or savings account

On XX/XX/XXXX I left the country on XXXX leave. I returned the end of XXXX. While reviewing my chase bank account I realized multiple charges made from an online casino I immediately called the bank and informed them. I call the merchant and they told me they will review the charges and refund my money in 10 business days and I should inform my bank of fraud. Over {$18000.00} was moving backs and forth in my account. I did inform my bank an a claim was open. When I called to get an update they had denied my claim and told me I can no longer open an account with their bank and my accounts would be frozen and any money returned by check. The person said I should send whatever documents I had. I send my flight information, a copy of my bereavement letter from work, my bank accounts showing where I was getting money from to support my family, my birth certificate, and a copy of my mothers funeral program. When I followed up with them they told me that all charges were online and me being out of the country doesnt prove I didnt make them.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report inaccurate information on my consumer report which is, in fact, a violation of 15 USC 1681i ( a ) ( 5 ). Names being reported inaccurately are XXXX " XXXX XXXX XXXX and XXXX " XXXX '' XXXX. My middle name does not begin with a " XXXX  '' and my middle name is not " XXXX. '' ( Please see most recent correspondence from Transunion reflecting inaccurate name mentioned. )
Product: Credit reporting or other personal consumer reports

Following the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents, which include a photo ID, a utility bill, and a letter from an advocacy group assisting me with debt bondage related to human trafficking, as defined under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documents from the acceptable items list, with only two being necessary under the law. Additionally, I have included all required documentation and a victim determination letter as per section 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I checked my credit using the XXXX XXXX App. I noticed that my score with Transunion had plunged more than 50 points,  while the other bureaus did not. After looking into why, I discovered that Transunion was reporting that I was more than 30 days late on a loan payment from XX/XX/2018. I have never been late in payments with the creditor they were reporting the payment was late on. I contacted the creditor and was told they do not show any late payments on my account, and that they do not even report to Transunion, but to XXXX when a payment is late. I then opened a dispute with Transunion to investigate and contact the creditor. After two weeks the investigation was complete and the damage to my score was reversed after finding the payment was not late. The next month, XX/XX/2018, once again my credit has dropped more than 50 points and is showing the same incorrect late payment as last month. I also have a co-borrow on this loan and this problem is also damaging their credit. I have contacted the creditor to give them information regarding the repeated hit to my credit. Once again I was told I do not have any late payments showing, but to dispute it once again through Transunion to remedy the problem. I am concerned how Transunion can report incorrect information from a creditor that does not report directly to them. If my credit reports are side by side from all bureaus, Transunion is the one that reports my payment history incorrectly. They are also showing the creditor 's name incorrectly. The creditor was bought out 11 years ago. The creditor information does not even match-the XXXX XXXX , telephone number, etc.How can this bureau constantly report incorrect information that they are not even privy to?
Product: Payday loan, title loan, personal loan, or advance loan

On the news there is a lawsuit against One Main financial. I'm a customer, I have a personal loan with them. XXXX XXXX, Minnesota.
Product: Debt collection

American Collection Service continues to contact me regarding medical debts that my wife owes. When trying to work with this company for a payment plan at an amount we can afford the company will refuse any offer other than their decided amount and begins to threaten the accounts have to be paid in full or they will release the account to their lawyers and sue me. Every time this threat is made they give me a 4 hour limit to provide them a final answer or they will move forward with a law suit, and they have made this threat over the past 3 months on the same accounts. These threat start happening near the end of each month. We had a previous account with this company that had been paid in full with the agreement to remove the collection from my credit report and the company did not follow through with their agreement claiming they did not have to because they received additional accounts for my wife while the original account was being paid off. The company has so far threatened to sue us for the full amount of XXXX accounts 3 separate times, threatened to garnish my wifes wages 3 separate times, and have refused all of our payment amount offers. I was once again contacted by this company today ( XXXX XXXX 2015 ) with a 4th threat of sending all the accounts to their lawyers to file suit on the debts. Additionally, the company name is American Collection Service but they are reporting to my credit report as XXXX which I feel is purposely misleading.
Product: Credit reporting

Twin sisters name, social security number, addresses, collections, phone numbers all show on each of my credit reports. During theses times of collections I was not living in the area. I am currently serving in the XXXX and proved my state of residents and identity to the credit bureau before and nothing was resolved. I am unable to receive my own credit reports due the false entries of someone else 's information on my record. I am not liable of these collections because they are not in my name or social security number. The collections just appear on my credit reports.
Product: Debt collection

XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 

I have constantly received these Robocalls for over a year.
Product: Credit reporting or other personal consumer reports

Im being denied credit due to my income coming from 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 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 XXXXXXXX
Product: Mortgage

My name is XXXX XXXX. My wife is XXXX XXXX. We have a HELOC with Bank of America. They raised the amount to be paid on the loan by {$1000.00} a month to {$2400.00} a month. We 're trying to sell the home now. We submitted a qualified written request to Bank of America asking for load documents and appraisal documents on XX/XX/XXXX. We also breached the idea of a short sale, having them modify the amount due. 
They have not responded as of this day XX/XX/XXXX. Our understanding is that they have 60 days to reply. 

We have the house on the market but there is no way we 're going to be able to cover the amount of the HELOC and the first mortgage with the price it will sell at. Also we believe that Bank of America did not do a proper appraisal when they gave us the HELOC.
The HELOC amount is approximately {$160000.00}. The 1st mortgage is with XXXX and it is for {$140000.00}. My wife and I believe the house will sell quickly for between {$280000.00} and {$300000.00}
Product: Debt collection

XX/XX/2021 This is a total nightmare and I am not all HAPPY WITH HOW COMPANIES OR THIRD PARTIES ARE HANDLING MATTERS WHEN THERE IS A LAW IN PLACE ABOUT MEDICAL DEBT. 

1. I constantly review my credit report now and from day to day something is ALWAYS changing I received mail a few years back saying my information had been compromised by a hack source with XXXX  and XXXX  ... so I was part of the civil suit that resulted in compensation.

2. I do not used my credit and when I am alarmed that something has changed I do my best to respond. But when I am not properly informed and have to spend countless hours to constantly fix or contact an agency about debt, collections or proof of a burden that the companies fail to respond, prepare, or observe the facts before sending out mail relying on consumers incompetency hoping to collect on a debt this is where I DRAW THE LINE. The evidence needs to be proven instead of this monopoly game of non compliance and reactions. 
I DEMAND PROOF not bills, incorrect information misspelled names, skip tracer information that is not reliable, relevant, or giving consent, release form of HIPPA. This constant back and fourth of an up hill battle is CRAZY. 
3. Credit Collection Service of Norwood , MA has several accounts that are tied to two different names XXXX XXXX  without a S and XXXX XXXX with a S both could be anybody .... the burden of proof is on the companys not the hardship of the consumer. This is ridiculous I sent a letter of validation to CCS on XX/XX/2021 certified XXXX and received a Health Insurance Claim Form XX/XX/2021 with no signature of my handwriting, or the physicians this form has a signature but it is not the physician XXXX XXXX XXXX signature. I went to his office on today and presented this paper that I received. I DEMAND THIS COLLECTION TO BE DELETED IMMEDIATELY DUE TO VIOLATIONS OF THE HIPPA LAW NO CONSENT RELEASE FORM OF MEDICAL RECORDS. There is no itemize records for me to verify procedures or a bill that I received of request of payment. Just a mess!!! 
Next steps are seeking an attorney of punitive damages and unnecessary stress this causing a major headache. 
XXXX XXXX XXXX
Product: Debt collection

I keep getting multiple emails from a automated debt collector through the involved company. 
The company sent over 10 separate emails Asking me for {$400.00} debt inquiry. 

I ask the company to stop sending me notifications on XX/XX/2022. But instead I get unauthorized emails inquiring about payment of {$400.00} balance that's due. 
I never gave my consent or authorized to be contacted about a debt. And I also asked the company to stop contacting me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX XXXX problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its Chases problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, XXXX or XXXX XXXX XXXXXXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809, Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA5 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
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 XXXXXXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent XXXX  Report number XXXX XXXX  File Number XXXX XXXX Equifax Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX   XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..