23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Transunion received a report that there was an increase in my balance of {$3100.00} to {$3300.00} ( see attached ). This is not my account. I do not have any bankcard account with this balance. Furthermore, there was no creditor on this report. When I tried to file a dispute against this transaction on transunion.com, it refused to allow me to file a dispute ( see attached ). Therefore, I called and attempted to file a dispute with transunion representative, XXXX ( representative ID ) on XX/XX/2022. He stated he did not see no such transaction. He also refused to send me a credit report and process my dispute via the phone. He also refused to provide his representative ID. He was of no help whatsoever. 

Transunion has a very difficult process and prevents consumers from filing subsequent disputes online once they have submitted one dispute. They only allow you to submit and process one dispute at a time. Thus, I am unable to dispute this online.

Please see attached account. This account is not mine. I do not have any such account with this balance, thus I request this account to be deleted from my credit report. Also, I request that Transunion change their policy and allow a consumer to submit a second dispute while the first one is in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This firm calls me several times a day at work claiming I owe a debt that I have never even heard about. I requested a validation of debt in writing and requested they cease calling my place of employment. They continue to call and have not provided a validation of the debt.
Product: Credit card or prepaid card

My father has XXXX. I have a durable financial power of attorney ( POA ) for him. In XXXX, I went to a Wells Fargo branch to get the XXXX applied to all his Wells Fargo accounts. The POA however was only applied to his bank accounts and not his credit card, on account of XXXX XXXX negligence. In XX/XX/XXXX, I learned that he had {$9000.00} of outstanding debt on his credit card and was incurring late fees. I am unable to review the expenditures or get statements on the credit card. In XX/XX/XXXX, I contacted Wells Fargo credit card services. They had no record of the XXXX even though the XXXX was on file with the banking side of Wells Fargo. I thereafter submitted the XXXX to Wells Fargo credit card services. XXXX weeks later I called into Wells Fargo to get the XXXX applied to give me access to his credit card expenditures. After 35 minutes of being passed around to different departments at Wells Fargo, I was informed that the POA only allows me to call in to get information on the card ( which I could do without the POA ) but doesnt give me access to XXXX information. Wells Fargo benefits from the situation by allowing customers with cognitive impairments to rack up large amounts of credit card debt and fees, while denying meaningful access to those who have been charged with ensuring fiscal responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT BUT I AM CERTAIN THAT THEY DO NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

Citicard involuntarily closed all of my credit card accounts on XX/XX/XXXX according to the rep I spoke with on the phone today, XX/XX/XXXX. In so doing, Citi 's rep claims that I forfeited my cashback. Additionally, some of these cards charge annual fees and I have not been refunded those fees. The rep on the phone today escalated me to a supervisor who said she couldn't help me get back this 'forfeited ' cashback. The amount citi owes me are detailed below and total {$1400.00}. Additionally, this behavior is in violation of Texas Deceptive Trade Practices Act as codified in Tex. Bus. & Comm. Code ch. 17, meaning Citibank could potentially be subject to treble damages if they fail to resolve this claim. 

Card lasXXXX Type Value ThankYou Points Stranded Balance of XXXX XXXX {$1.00} XXXX Rewards for spend on final statement {$44.00} XXXX Refund Annual Fee {$570.00} XXXX Rewards for spend on final statement {$2.00} XXXX Reward balance at time of closure {$9.00} XXXX Reward balance at time of closure {$73.00} XXXX Refund Annual Fee {$95.00} XXXX Reward balance at time of closure {$12.00} XXXX Reward balance at time of closure {$35.00} XXXX Rewards for spend on final statement {$40.00} XXXX Reward balance at time of closure {$140.00} XXXX Reward balance at time of closure {$130.00} XXXX Reward balance at time of closure {$0.00} XXXX Rewards for spend on final statement {$140.00} XXXX Reward balance at time of closure {$160.00}
Product: Credit card or prepaid card

Fraudulent mail received XXXX XX/XX/2021 through USPS. Mailing had a Chime VISA Debit card enclosed activate your card in the Chime app. Letter inside claimed Set up Direct Deposit with Chime & get paid up to 2 days early. Sign and deliver this form to your employer or payroll provider, and watch the magic happen. 
But there wont be any magic. I did not activate the debit card. The only magic this bank will see is a consumer complaint for fraud. XXXX XXXX, XXXX legal editor and Attorney, writes in her article What Should I do if I Get a Credit Card That I Didnt Request in the Mail? : Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). 
The bank even sent a text message regarding the mailing on XXXX XX/XX/2021 via number XXXX. Hi, XXXX. Chime here. Youve got mail! Your Chime Visa Debit Card was delivered in a bright green envelope. Text STOP to unsubscribe. 
I never requested a credit card with this bank. I never ever contacted this bank. I never opened an account with them. What the bank will need to address is how they got my personal information. All illegal. All fraudulent. All unsolicited. This is financial fraud against seniors.
Product: Credit card or prepaid card

I have had a Discover credit card for years. I saved this card for emergencies. Imagine my surprise when I tried to use it and couldn't. I contacted the company and was told it was cancelled for inactivity! No balance was owed, nor late payments made. Just because I had not used it they closed my account and I have to repeat the application process to get a new card. Ridiculous!!!!!
Product: Debt collection

I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting or other personal consumer reports

XXXX Account number-XXXX open with a past due balance. I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

APPLE CARD/GS BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because XXXX cancelled our auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX ( XXXX ) missed a judgement recorded against a property I purchased when they handled the closing process. I later sustained an approximate {$20000.00} loss after contacting their agent regarding the matter. I then filed a claim with XXXX as instructed by their agent and XXXX is refusing to pay the claim. See the attached complaint sent to XXXX containing all the details ( dates, amounts and actions taken ).
Product: Mortgage

This is regarding a commercial Mortgage loan through Shellpoint Mortgage. I lost a home during a bad storm and it was a total loss. I received insurance funds to cover the mortgage and expenses. This check was sent to Shellpoint and they paid off the loan, I am waiting for the remaining funds to be sent back to me so I may pay my expenses that have occurred. The payoff was conducted XXXX XX/XX/. I have called several times asking about my remaining funds. The first time they stated it would be 30 business days, after 30 business days they told me it could be up to 45 business days. After 45 business days they stated the funds had been lost between departments and they would reach out to me with in two business days. I reached out again and they told me the information has been put forward to the proper department and will take as long as it takes. this is unfair, they took the insurance funds to take care of their needs as soon as possible and when it comes to my needs, it will take as long as it takes?! Where are my funds!!
Product: Credit reporting or other personal consumer reports

I demand an immediate reinvestigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX  XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts. These accounts a fraud. 
I sent my Notorized FTC report and PA Drivers license.
Product: Payday loan, title loan, or personal loan

I was fired from my previous job in XXXX I have enough cash to make the payment that month but started a job recently this mont the ace cash express store I work with knew the situation I explained to them I dont get paid til the XXXX and would be in to make my fianance payment than they told me thats fine now on the XXXX I get a call about making a payment today which was not apart of the verbal agreement that was made about my account
Product: Checking or savings account

I sent this to Navy Federal with my dispute. 


To whom it may concern, On XX/XX/XXXX. My fiance and I contacted XXXX XXXX XXXX  to tow a XXXX XXXXXXXX XXXX XXXX Georgia XXXX The charged a fee of {$910.00} to contract a company to tow us. The Company XXXX XXXX XXXX XXXX  Im assuming wouldbe paid by this company. After calling XXXX ( the number XXXX XXXX  initially called us from to confirm location ). several times because no one came or called us to give us updates It would ring once and hang up as it still is today XXXX XXXX XXXX XXXX  never showed up but called my fianc and said they was unable to tow us because they did not want to deal with XXXXXXXX XXXX  XXXX as they seemed shady. The number XXXX to XXXX XXXX who was the XXXX XXXX driver who contacted us and said they will unable to tow us. We had to get towed by another company due to the prior company not providing service. 
I researched my fiance browser history and found a number for XXXX XXXX XXXX  but they acted clueless that number is XXXX Thanks, XXXX XXXX We were to picked up at XXXX XXXX at XXXX XXXX XXXXXXXX and taken to XXXX XXXX XXXX XXXX Ga XXXX ****Attached is *My call log **proof of payment to fradulent company ****proof of having to get another tow company **** Number of company fraudulent company contacted for tow This was sent with my dispute and Navy Federal denied my claim .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX requested balance was $ XXXX settlement amount with XXXX balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
Product: Checking or savings account

My debit card for my business was lost/stolen with my cell phone I called Chase went over all the transactions {$25000.00} worth and XXXX  days later they denied my claim I again reached out with the police report of the incident and they flat denied it again, these transactions were not made by me or did I give anyone authorization to use my card, they are fraudulent transactions As a result I will probably have to close my business. 


This is not fare you can't even speak to anyone their.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a debt on my credit because an apartment that I rented when I live in Arizona. The company after contact me several times give me an option to pay. After I paid the amount we accord they will take out the collection from my credit. I paid the amount they told me on XX/XX/16 and the debt still on my credit as collection. I try to contact the lawyer who contact me several times and no answer. Also I call the company who give me the phone number of the lawyer office and when finally somebody respond they send me to call lawyer office because they can not do anything. As result of this I been trying to rent an apartment for me and my daughter and all application has been denied.
Product: Checking or savings account

On XX/XX/2023 I wrote a check from my Chase account and mailed it at a post office. The check was then fraudulently endorsed and cashed on XX/XX/2023. The person who fraudulently endorsed and cashed the original check then created 4 fake checks using my signature and cashed these checks at a Chase account. Chase has reimbursed me for the 4 fake checks that hit my account, but still has not reimbursed me for the funds on the original check despite my repeated requests for them to do so. I have called them several times and visited the XXXX XXXX XXXX ( XXXX ). They said they can't do it until their investigation is complete, despite this being a very clear case. I insist that they return the funds immediately and I strongly suggest that their practices be review as they did not offer me even a minimal level of protection by cashing a check with a name on the back of the check that did not match the front ( please see the attached picture of the front and back of the check ). This was clearly fraudulent and anyone who had taken a look at the check would have realized this. I have been greatly inconvenienced by this.
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX on XX/XX/XXXXXXXX  by putting {$5000.00} down. The engine threw a rod before XX/XX/XXXX, the date I reported to my car insurance. XXXX XXXXXXXX XXXX Have been no help. I learned during this process that I am paying 20.99 % interest on a car that does not run. I purchased the vehicle for work. I am a In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am no longer able to transport my employer. I wrote to XXXX XXXX XXXX XXXX XXXX ) and contacted XXXX XXXX XXXX XXXX XXXX XXXX ) which both told me to find a discriminatory/preditory lending lawyer. I can not afford to pay a laywer and I can not afford to pay for a vehicle that can not be used.
Product: Debt collection

I keep getting calls from diversified adjustment service because of XXXXXXXX XXXX that i still haven't paid dept as to {$52.00} and its telling me that i can pay it online from my account from securus technologies but that's the thing i don't have money and my ex knows i don't have money and i didn't even know that i had to pay for every single call or that i even knew that i had a account. I just want it to go away i can't really pay for it and i don't know what to do. I just want the calls and the letters to stop.
Product: Mortgage

I applied for a loan modification and have had documents pending since XX/XX/2016, They have never denied me, They keep asking for documents, and we submit them, over and over again, I went in front of the judge last month thinking the problem will be cleared up, but to no avail they are still saying they have not received documents. I am asking for your help in solving this matter. I just want to start making payments on the property.
Product: Mortgage

I called them several times and was unsuccessful with anyone answering the phone and their voice mail is full
Product: Mortgage

We refinanced our home mortgage. XXXX XXXX charged us outrageous fees to refinance it.
Product: Checking or savings account

I received a Debit card from M & T Bank in the mail. I never open an account with this bank. When I contact the customer service from M & T Bank asking question pertaining to that account, I was told the account was flagged as fraud and the account was closed. I sent a letter to the Bank asking for confirmation that the account was open in a fraudulent matter and the account has been closed. As of today I have not receive a response to my request.