23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I submitted all required documentation through U.S. Banks online portal to dispute a {$380.00} charge from XXXX XXXX XXXX for services not rendered. Shortly after, I received an email from U.S. Bank stating there was an issue on their end. 

To ensure my dispute was processed correctly, I attempted to fax the documents multiple times, but U.S. Banks fax line was continuously busy. As a result, I sent the documents via XXXX  ( tracking # XXXX XXXX XXXX ) on XX/XX/year>, prior to the due date outlined by them ( XX/XX/year> ). However, due to delays on U.S. Bank 's end and U.S. Banks imposed deadline, I also used a paid fax service on XX/XX/year>. As per the bank, I still could send them the docs even after the set deadline. 

On XX/XX/year>, U.S. Bank sent me a letter incorrectly claiming that I had not provided any new information or documents, which is false. My submission records- including XXXX tracking, fax service confirmations, and my online account history - show otherwise. Additionally, this letter falsely framed my dispute as a balance dispute, which it never was. 

On XX/XX/year>, I spoke with a U.S. Bank representative XXXX XXXX XXXX XXXX who confirmed that my documents were received but stated that the dispute should not have been opened because it involved an insurance claim. However, this contradicts U.S. Banks initial handling of my case. My dispute was not about insurance coverage but about a charge for services not rendered, a distinction I clearly outlined in my submission. Moreover, the fact that U.S. Bank accepted and processed my dispute demonstrates that it was within their scope and should have been reviewed properly. 

Due to their lack of response and conflicting reasoning, on XX/XX/year>, I faxed a formal letter to U.S. Bank, requesting a detailed explanation of their decision and reimbursement for the expenses I incurred while complying with their requests. Despite this, I have received no response, as of XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

i made a hasty decision because my mother-in-law was XXXX and was trying to help out my husband with paying for hotel bills going back and forth to and from our destination. i asked for a loan. it had to be secured with my car if i got it it was demanded that collateral was a must. i transferred my loan from my credit union to go with XXXX main. then i came back a year later to state i wanted to get additional funds due to me going to Hawaii for my anniversary and again used the car for collateral. now i have been paying payroll deducted however i what to go back to my credit union due to the interest rate is too high. i inquire and was told the young lady that wrote up my loan is no longer there and that my title to my car has been lost. spoke with a XXXX XXXX and she swears she is working on it and have called several times within this past year and still have not gotten a response to how they will rectify my issue. Bad customer service, It is like they want your business and then once they get it it is all downhill after that. Til this time and time i have not gotten a call back. so now i feel like i am being held XXXX with this loan because they have lost my title and now i can not go anywhere else.
Product: Checking or savings account

On XX/XX/19, received an email alert that there was a scheduled payment to XXXX for {$120.00}. XXXX was my old cable and internet provider when I lived in a prior state. I moved to a new state over two years ago. When I moved I cancelled the recurring monthly Bill Pay I had set up through my Ally Bank account. 2 years go by and I get an email alert ( on XX/XX/19 at XXXX MST ) that an automatic bill pay was scheduled for XXXX on XX/XX/19. I logged into my Ally Bank account and saw that a payment had posted for {$120.00} on XX/XX/19. I checked my email, and I never got a notification that there was a payment scheduled for XX/XX/19. There was only the email for the scheduled payment for XXXX. I called Ally Bank, and spoke to a representative. I informed the representative that there was a charge for {$120.00} to XXXX through their Bill Pay product that I did not schedule and did not authorize. The representative indicated that since I had at one time set up a recurring payment with XXXX that they considered the transaction an authorized one. I responded that it doesn't make sense that I would have cancelled a payment for 2-straight years if I didn't want it permanently cancelled. I further explained that XXXX doesn't offer service in my current state, and that my account with them has been cancelled for over two years. I also noted to the representative that there are several dormant accounts in my Bill Pay because neither the mobile app nor the online banking site allow me to delete those old accounts from Bill Pay. I  would like to delete all these old accounts so that this kind of thing doesn't happen. The representative was argumentative with me and was initially indicating there wasn't anything they could do, and that I would need to take care of it on my end. It wasn't until I mentioned that they were in violation of Reg-E that they seemed willing to note this transaction was disputed. However, the representative did not seem to think this had much chance since they considered the transaction authorized, even though by all logic and reason it clearly was not. I did get a dispute number and am waiting to get a response.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was approved by a XXXX XXXX the Landlord to move-in to a house that I later discovered that was not his. From the XXXX to the XXXX I sent four daily transaction of {$500.00} through Wells Fargo via XXXX. After I paid an accumulated amount of {$2000.00} I discovered that said Landlord did not own the property. I called XXXX to dispute and/or cancel the transaction they said they could not do anything and that I would have to talk to Wells Fargo. So I called Wells Fargo to disputed and/or cancel the transaction. They said they would start and investigation. Later I received a letter from Wells Fargo stating that the result of the investigation came out negative. They refused to give me any money though the transaction was through their platform.
Product: Credit reporting or other personal consumer reports

Heres a dispute letter based on the inaccuracies in the Sunrise Credit Service account report. This letter cites FCRA and FDCPA laws to demand correction or deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Collection Account Sunrise Credit Service I am disputing the inaccurate reporting of a collection account associated with Sunrise Credit Service, which appears on my credit report. The account details are as follows : Creditor Name : Sunrise Credit Service Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$400.00} Past Due Amount : {$0.00} Last Four of SSN : XXXX Upon reviewing this entry, I have identified multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request an immediate investigation and correction or removal of this inaccurate information based on the following : 1. Impossible Dates FCRA Violation The account is reported as opened on XX/XX/XXXX, yet we are currently in early XXXX. 
The account is also reported as closed on XX/XX/XXXX, which has not yet occurred. 
Reporting future-dated accounts is impossible and inaccurate, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure maximum possible accuracy. 

2. Contradictory Payment Status Reporting Error The report states that my past due balance is {$0.00}, yet the account is listed as in collections. 
If there is no past due balance, there is no valid reason for this account to remain in collections. 
This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must report only accurate and complete information. 

3. Missing Original Creditor Information FDCPA Violation Nowhere in the report is the original creditors name, account details, or proof of debt ownership provided. 
Under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ], debt collectors must provide : The original creditors name and contact details Proof that the debt is valid and belongs to me A breakdown of how the balance was calculated If Sunrise Credit Service can not provide this information, this debt must be removed from my credit report immediately. 

4. Future Reporting Date Illegal Credit Reporting The account states it was reported on XX/XX/XXXX, a date that has not yet occurred. 
This is another impossible reporting error, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that credit bureaus ensure all reported data is accurate and verifiable. 

Requested Actions : 1. Immediately remove this account from my credit report due to the reporting errors outlined above. 
2. If Sunrise Credit Service maintains this entry, provide : Verification of the original creditor and proof of debt ownership. 
An explanation of how a collection account has a {$0.00} past due balance. 




Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a new XXXX XXXX XXXX last XX/XX/XXXX and received XXXX reward points of promotion offer. This XX/XX/XXXX I closed the account since I didnt use this card too much but the XXXX reward points of promotion offer were deducted for no reasons. I met all spending requirements and Amex should not remove these rewards points of promotion offer.
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.

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: Credit card or prepaid card

Dear CFPB, I would like to cancel my American Express Platinum card. American Express Platinum will not allow me to cancel without taking my {$550.00} annual fee. I was charged this less than 45 days ago, they won't even give me a XXXX XXXX partial credit for it. I wasn't able to call in earlier as I just saw the statement that I am paying for tomorrow. I would like the CFPB to help so I can get my {$550.00} back or at least prorate it. They already did this to me in 2017 to keep my on board one year, they are trying to do this again and I am not happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my Federally Protected Consumer Rights by furnishing inaccurate information on my consumer report without my consent. 
Equifax, did not exercise their grave responsibilities. 
They were unfair, partial and did not respect my rights to privacy. I never instructed Equifax to furnish this report or create this report, I NEVER CONSENTED TO THIS REPORT IN THE FIRST PLACE.
Product: Checking or savings account

My XXXX year old father had a savings account with Chase for years that had a balance of {$41000.00} as of XX/XX/XXXX ( I was a co-applicant on the account ). In mid XX/XX/XXXX, Chase sent him a letter stating that due to a high number of ACH transactions starting XX/XX/XXXX, they had turned the account into a checking account. He asked me to look into it and I identified that ALL of the ACH transactions totaling {$8400.00} were fraud. I immediately called Chase to file the proper paperwork ( i faxed the requested supporting documentation on XX/XX/XXXX ) and the claim was denied without any explanation. I then went into a branch and they refiled the paperwork which I substantiated again on XX/XX/XXXX. To date, {$5500.00} has been paid back, but Chase refuses to pay back the remaining {$2900.00}. We made the first claim XXXX which based on their disclosure on the statement, should cover for anything noted in the XXXX and XXXX statement. They claim that we are outside of the 60 day window, but that doesn't track back to their own disclosures on the statements we have received. Additionally, they claim they can only cover for transactions they can recover for. These were fraudulent transactions that shouldn't have been allowed based on the account type. Finally, they are in violation of both Regulation E and UDAAP due to their not adhering their own statement disclosure not to mention Elder Abuse as they made changes to an elderly man 's account without any notice nor with any attempt to contact him.
Product: Credit reporting or other personal consumer reports

I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018.
Product: Checking or savings account

XXXX transactions not authorized from XXXX and wellsfargo says they did not find fraud.XXXX
Product: Checking or savings account

Chase Bank had a promotional offer that when you upgrade your account to a Chase Private Checking ( CPC ) account and maintain a balance of at least {$250000.00} for 90 days, you will receive a cash bonus of {$2000.00}. 

On XX/XX/2022, I walked into a local Chase Bank ( address : XXXX XXXX XXXX, XXXX, CA XXXX ) ( XXXX XXXXXXXX ) to claim this promotional offer. I was assisted by a representative named XXXX XXXX XXXX. He upgraded my regular checking account to a CPC account and instructed me that as long as I have maintained a balance of {$250000.00} in this CPC account for 90 days, I would receive the {$2000.00} cash bonus. I had {$240000.00} at the time of the upgrade so, I was instructed by XXXX to deposit another {$10000.00} to reach that balance. I initiated that deposit the same day with XXXX with a check for {$10000.00}. 

After this transaction, I left the bank and for the next 90 days, I have maintained the balance of {$250000.00} in my CPC account as instructed. A couple weeks after the 90 day period, I looked at my bank activity and noticed that I still had not received the {$2000.00} cash bonus. Since XXXX XXXX XXXX was not available, I walked into a different local Chase Bank on XXXX XXXX and XXXX ( Branch XXXX ) on XX/XX/XXXX to inquire why I have not receive the cash bonus into my account. A rep took a look at my account and notified me the reason why I did not receive the cash bonus was that I had to actually deposit {$250000.00} in new money to the account to satisfy the requirement of the cash bonus. I told the representative that I was not informed at the time that it had to be new money and was misled about the promotional offer. The rep. at XXXX XXXX recommended that I should call XXXX back to see if I can still be entitled to the $ XXXX bonus. 

On XX/XX/XXXX, I called XXXX about the cash bonus and was informed the same thing about having to to be new money deposited into the account to be eligible for the cash bonus. I explained to him that he did not inform me of this at the time and that I feel entitled to the cash bonus since he had misled me on the promotion. XXXX said he will contact his manager to see if his manager can make an exception for me. 

His manager, XXXX XXXX, called me back and informed me again that I had misinterpret the promotional offer. I expressed and that I was misguided and that I am still entitled to the {$2000.00} bonus. He informed me that he does not have the power to make an exception and, per my request, he had submitted a ticket to escalate my situation to higher management to see if can get the credit. On XX/XX/XXXX, XXXX called and left me a voicemail stating that higher management has determined they are still not granting me the {$2000.00} as it does not follow the terms of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid charge off under the name XXXX XXXX XXXX account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company for XXXX ( XXXX XXXX ) has attempted to re-age the debt in question. Upon finding information on my credit report listing the above named creditor the date for the account is listed as XX/XX/XXXX when in fact the account was delinquent as of XX/XX/XXXX. I called XXXX XXXX at which point they told me the information is reporting correctly saying that if it was reported by first delinquency ( following the law ) it would be before they obtained the debt.
Product: Debt collection

Call from XXXX claiming I owe on an HSBC credit card opened in 2013. I did not open a credit card at all, much less with HSBC. They threatened to send letters to my family members but would not tell me which ones. They threatened to forward my account to their attorney but could not tell me what attorney. They could not tell me their physical location and stated that since I asked for the physical location that I was threatening them. They stated they did not have to mail me anything since they were only " mediators '' acting on behalf of HSBC. " Mr. XXXX '' was the name used but would not tell me the name of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I was a victim of identity theft and they opened a credit card at XXXX XXXXXXXX XXXX. I have already sent letters from the FTC, I have called them and I have explained that this account was not opened with my authorization and they ask me for a police report. Unfortunately, in my physical condition, I can not report to a police station because I have sequelae of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer, I need XXXX XXXXXXXX XXXX to delete that account from my credit profile. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. They are hard inquires that were not done by me XXXX XXXX XXXX XXXX ) XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows :XX/XX/XXXXXX/XX/202XX/XX/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 or inquiry report without written institutions.
Product: Credit card or prepaid card

BB & T reported my XX/XX/XXXX payment as late to the credit bureau. I was not notified by BB & T of the missing / late payment - no phone call, email, or mail notification. I was informed by an alert from the credit bureau. I immediately contacted BB & T to dispute this information. When they told me a payment was not received, I contacted my bank. I had reoccurring monthly payments set up through my bank. When I contacted my bank, they verified the check had not been cashed. I explained the dilemma to BB & T and immediately made the payment. I asked the credit department to consider removing the blemish from my credit report. I have been redirected to many departments, and have not received any resolve. Further, in XX/XX/XXXX, BB & T reduced my credit limit from {$3200.00} to {$1100.00} despite my dispute over the late charge/credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " XXXX '' And Also " Transunion '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting on my credit report but I dont have an account with them checked into it and the address that they have is not mine.