23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got a new amex card to do a balance transfer from XXXX to amex for the amount of {$4500.00} in late XXXX to earlier XXXX. on XX/XX/XXXX it appeared on my amex card and they said it can take up tp 6 weeks to appear on the XXXX XXXX but it never happened and I tried disputing this severl times. the last 4 digits they said they transferred to were also incorrect.
Product: Credit reporting or other personal consumer reports

I submitted a identity theft on XXXX XXXX with FTC.GOV and that means the information should be blocked within 4 days according to the FCRA, well I submitted everything 6 business days ago and transunion continues to hold me back by continuing to create more financial hardship as the holidays are approaching. NOT ONLY THAT FRONTLINE HAS SOLD MY DEBT TO XXXX AND I FILED AN FTC AND CFPB WITH THEM AS WELL SO XXXX DOESNT EVEN HAVE MY DEBT ANY MORE AND THEY ARE STILL ON MY CREDIT!
Product: Money transfer, virtual currency, or money service

I was victim to a XXXX scam via the Chase mobile app on XX/XX/XXXX. It was during a potential XXXX marketplace transaction for a used baby product I was selling. The scammer said via XXXX XXXX that the payment they had given me was being held by XXXX due to her account being a business account and that i would have to upgrade my account to a business account to receive my money. I was also sent an email by the scammer from XXXX verifying this. Outlined in the email, the buyer would first give money to XXXX, followed by me giving the same amount to the buyer. XXXX would then release funds to me once I had an upgraded business account. This resulted in two separate transactions, one to the buyer and one to a XXXX agent. I lost a total of {$1000.00}. I contacted Chase regarding this on XX/XX/XXXX and filed a claim. I also sent Chase claims supporting emails and chat transcript with the scammer. I was denied any reimbursement from Chase on XX/XX/XXXX with a letter saying that as we discussed and agreed, no action will be taken. I did not agree that no action would be taken. I was under the impression a claims agent would look into my case.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report which I accessed XX/XX/2020 has reported a former address which is not mine
Product: Credit reporting or other personal consumer reports

I PAID MY CREDIT CARD OFF AND MY REPORT IS STILL SHOWING XXXX. I NEED THIS CORRECTED ON ALL MAJOR CREDIT BUREAS SO I CAN PURCHASE MY HOME NEXT WEEK
Product: Credit card or prepaid card

I have try to work a payment plan with Target stores! No success there! Due to XXXX Im unemployed!! Limited income! Last payment made on XXXX XXXX {$82.00} card balance {$160.00} now card balance {$320.00} due to increments of {$39.00} in late fees!! Dont mind paying interested!! I have try to work a payment plan!! Dont agree with late fees!! I appreciate the understanding of the situation we all leaving now!!! Thank you
Product: Debt collection

XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference.
Product: Checking or savings account

Regions bank was charging overdraft fees on my account before the XXXX hour notice required by the bank. Account was closed. Fees totaled over {$700.00} dollars. Account closed XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Equifax has provided a consumer report reporting inaccuracy. The credit report file, reports a collection account from company, XXXXXXXX XXXX XXXXXXXX, XXXX. The collection account is reported in error as the account does not belong to me. There is an address reported in attachment to the account in XXXX XXXX, MI. This is not my address. The address was disputed through Equifax and deleted on a recent credit report sent by Equifax on, XX/XX/XXXX, all which Equifax reports a mixed date of XX/XX/XXXX, which is incorrect as this is not my address and I have not resided there as of XX/XX/XXXX. I request that the collection account be removed.
Product: Credit card or prepaid card

To whom it may concern : I would like to take this time out to address a problem that I am having with my HSN credit card company owned by Synchrony Bank Between the months of XXXX to XXXX of XXXX Synchrony Bank informs me via my monthly billing statement that I was delinquent by more than {$800.00} on my HSN credit card. Upon immediately phoning Synchrony Bank I was informed that these transactions occurred between the months of XXXX XXXX in the year of XXXX. As I have tried on many occasions to inform Synchrony Bank of their grossly incorrect calculations they continuously insisted that I owed said amount. I consider myself to be a mature conservative shopper and would not shop in said manner. 

I would like to state that my HSN credit card is paid in full. Synchrony may try to insist that I have a {$13.00} balance left to pay on my winter boots ; However I have paid more to Synchrony Bank than what I should have so as not to ruin my credit as I gathered my information to dispute their claim, while patiently awaiting for their written response. 

Below I will ask several important questions and I will also submit a copy of a billing statement that I received from XXXX XXXX XXXX, the bank in which I originally applied for the HSN credit card, as well as what I perceive as a callous response from Synchrony Bank. 

1. If there was an {$800.00} debt why didn't XXXX XXXX XXXX address this matter before being replaced by Synchrony Bank? And if this debt were true wouldn't it be owed to XXXX XXXX XXXX and not Synchrony Bank? 

2. Why would a credit card company in this matter XXXX XXXX and Synchrony continue to allow this consumer to keep her credit in good standing with HSN, the credit bureaus, and never revoked her credit limit nor stopped her from using said credit card at any time since receiving it in XXXX to present date? 

3. How is it that during the late Summer to the Fall of XXXX when I asked Synchrony Bank to please provide said proof of such purchases I did not receive a response from them in writing until XXXX of XXXX? 

4.Why would a Bank in this instance XXXX/ Synchrony increase my credit limit 3 times after my initial application? I can assure all involved that I this consumer never requested nor applied for any increase above {$500.00}. 


5. Of the time frame that Synchrony Bank insists that I the consumer charged {$800.00} or more INCLUDING INTEREST onto my HSN Credit CARD ; can someone please explain to me as to how one charges {$800.00} of merchandise onto a credit card that held a limit of only {$500.00} from XX/XX/XXXX/XX/XX/XXXX to XXXX - XXXX of XXXX? Which only increased by {$200.00} in XXXX of XXXX ; bringing my credit limit to a total of {$700.00}. 

6. Synchrony states in their letter that they can not track back a year to find the records of said money that they believe I owe. Yet how and where did they happen to find information to enable themselves to believe that I owe their company over {$800.00}? 

Sincerely,
Product: Money transfer, virtual currency, or money service

Wells Fargo keeps a record of logins into an online bank account. XXXX dollars was illegally withdrawn in wire transfers from my bank account by a XXXX XXXX. The bank has made many claims I made these transfers without proof to that fact. Which in fact I had never met or done business with a XXXX XXXX so their claims are false. The money was stolen from me and it is the banks responsibility to reimburse funds that are fraudulently taken from a consumer. If theyre werent laws and regulations protecting consumers anyone could just steal from anyone. Wells Fargo let this person take my money and is covering it up. They never opened a new account for me they refused to do business with me after I submitted a fraud case. They have still not refunded my money to me and persist to use the same letter sent to me right after my fraud case was dismissed by them as evidence to support their case this is not evidence that I made these transfers. I want a check in the mail for the money that was stolen from me immediately because the bank can not prove beyond a reasonable doubt that I made these transfers. This was fraudulent activity not me doing business with someone I never gave authorisation to use my account and transfer money from it. This was fraud and it took me a month to earn that money from my place of employment. Are you going to let this bank take advantage of hard workers?
Product: Debt collection

I was charged for over {$7000.00} for services. I have contacted the collection company and they are saying it went through insurance. The insurance company when contacted says they do not have the claim. Neither have correct documentation or prices. This is unfair and deceptive information.
Product: Credit reporting or other personal consumer reports

To whom this may concern, The noticed someone has been using my credit, and I looked on line and it said to file the fraudulent account through the FTC then send them here to the CFPB. So yeah I attached 5 fraudulent accounts along with 3 fraudulent inquiries with hopes that the consumer Financial Protection Bureau could have me to resolve these issues in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for conducting sham investigations, failing to comply with the Fair Credit Reporting Act ( FCRA ), and taking retaliatory actions against me for disputing the accuracy of the information on my credit report. I have attached copies of my disputes, which were sent to TransUnion on the following dates : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX In each of these disputes, I requested verification of the information on my credit report, as required by Section 609 ( a ) ( 1 ) ( A ) of the FCRA. However, TransUnion failed to provide me with the requested documentation and instead conducted sham investigations that failed to verify the accuracy of the information. Additionally, I disputed personal information on my credit report on XX/XX/XXXX, and XX/XX/XXXX. TransUnion failed to investigate and correct these errors. Furthermore, I have discovered that TransUnion has been taking retaliatory actions against me for disputing the accuracy of the information on my credit report. Specifically, TransUnion has been changing the dates of delinquencies to make them appear more recent, and adding additional delinquencies to my credit report as a form of punishment for disputing. This is a clear violation of the FCRA and my rights as a consumer. I would like to note that XXXX has recently taken corrective actions on my credit report, removing a delinquent XXXX  ( credit card ) account and reposting positive payment history for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This suggests that the information on my credit report was indeed inaccurate, and that TransUnion 's failure to investigate and correct these errors was unjustified. TransUnion 's actions are a clear violation of the FCRA and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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.

I asked Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, Transunion stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? 

These accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case.
Product: Debt collection

Apparently on or around XX/XX/XXXX this inaccurate and negative collection appeared on my 3 credit reports with TXXXX XXXX XXXX XXXX XXXX have never heard of this company and this is the first time I have seen this alleged debt. I have not received any correspondence prior to it being put straight on my credit reports. The negative reporting has damaged my credit rating and violates FDCPA by not providing proof of debt on where this debt came from, how was the amount owed calculated etc. The reporting indicates that this debt was opened on XX/XX/XXXX. I have no accounts that I opened on that date or even that year that would be related to this.
Product: Credit reporting or other personal consumer reports

last year i settled the XXXX capital one accounts that had delinquent balances that appeared under my social. However there is a third - balance is {$260.00} that no one has record of but it continues to report derogatory. I am unsure what to do at this point but it's not mine and this needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

They are over XXXX closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, XXXX, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report. 
I awai your reply wikh ( XXXX above XXXX XXXX XXXX 
Upon receiving All correscond back with you b ' XXXX XXXX XXXXXXXX. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that belong to someone else. Im assuming its fraud.
Product: Debt collection

In accordance with the fair credit reporting act XXXX account Jefferson capital system. Has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Mortgage

Hi I have contacted Select Portfolio Services in XX/XX/. I spoke directly with XXXX in the XXXX department, who created a case, ( XXXXXXXX XXXX XXXXXXXX XXXX ) to let them know that I received a letter stating that my mortgage account was in a deficit because they paid out to my insurance when they are not suppose to hold my money in escrow at all to pay out to insurance. I am responsible for providing my own insurance and then sending Select Portfolio the declaration page so that it is on file. I have called and left 5-7 messages and no return call, email or mail was sent to me to communicate with the progress to resolve this issue. I gave ample time which is 20 days and no response. I really need your help because they have abandoned me and it's not ethical or normal. This is the second or third time they have done this and they are very rude. XXXX was helpful to begin with and promised me a returned call in 3 days after launching the case and I have never heard from her therefore I have to diligently pursue this. They seem not to care and they make a lot of mistakes.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of this matter, and the company acted without my permission.
Product: Mortgage

We had a house fire in XX/XX/XXXX that substantially damaged our entire home to the tune of approximately $ XXXX. Our initial disbursement from insurance was $ XXXX of which, all had been paid to us and in turn to our builder for work performed. Our home was noted as more than 85 % completed as of mid XXXX and we plan to move in within a few weeks as the last details are completed. We have approximately $ XXXX in payments from insurance to trickle in over the upcoming months. $ XXXX was received by us XXXX and submitted to Roundpoint Mortgage for processing to pay our builder. As of XX/XX/XXXX Roundpoint has declined to return these funds to us to pay our builder. We have had to pay our builder out of our personal savings. Proof of these payments has been provided to Roundpoint yet they have still failed to issue payment to us. Given that our home is substantially completed, Roundpoint has no excuse to continue holding funds due to us as repayment for payments to our builder.

Roundpoint has only issued payment to us in two situations ( 1 ) we filed an initial CFPB complaint and payments 1 and 2 were released and ( 2 ) we contacted ORNL FCU who is the primary servicer and they directed Roundpoint to release final payment of the $ XXXX ( payment # 3 ).
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please update my name on my credit file as it is stated on my identification. Remove all variations of my name. 

Make sure my date of birth is accurate on my on my credit file. Please list my correct social security number on my credit file as it is listed on my social security card. Remove all variations of my social security card number. 

Please update my address on my credit file as it reports on my identification. Remove all address that are not on my identification. 
Please update my unemployment as follow ( XXXX XXXX XXXXXXXX ). My title at the company is XXXX XXXX. 

Also, I started working at the company in ( XXXX ) and ( XXXX  ). 
I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. Please help me. 

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