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

On XX/XX/XXXX while in the branch of PNC the branch XXXX recommended I open a credit card with XXXX percent interest on balance transfers for the first 12 months. I accepted their offer and was approved for the credit card and authorized a balance transfer of {$210000.00} to XXXX XXXX Credit card and {$850.00} transfer to XXXX XXXX XXXX XXXX XXXX Credit card. The transfers were authorized with the credit card approval on XX/XX/XXXX. The XXXX XXXX transfer was posted to my XXXX XXXX credit card on XX/XX/XXXX and the XXXX XXXX XXXX transfer was posted to my XXXX XXXX XXXX Credit on XX/XX/XXXX. 
I set up auto payment transfers from my PNC checking account to my new PNC credit card to begin on XXXX and each month after on the XXXX of the month for {$500.00} each. 
I did this to pay off the credit card within the 12 months to avoid any finance charges. 
When my XXXX statement arrived in the mail, the statement period shown was from XX/XX/XXXX - XX/XX/XXXX, and the minimum payment was due XX/XX/XXXX. I had already made a {$500.00} dollar payment on XXXX so I was not worried about the minimum due. 
At sometime in XXXX I received the another statement from PNC for my credit card with a minimum payment due by of {$50.00} by XX/XX/XXXX, however I made a transfer payment on XX/XX/XXXX so I again was not worried about the minimum payment. However I did not notice the XXXX statement included a late fee of {$27.00} dollars and interest charges of {$1.00} dollars. 
When I received my XXXX statement this month I noticed a late fee of {$38.00} dollars and interest changes of {$1.00} dollars. I called PNC and disputed the late fee in XXXX and the interest charge and they reversed the charges for both. The next day I went back and reviewed my XXXX statement again and that's when I noticed a late fee that month too. So Monday morning ( XX/XX/XXXX ) I went to the PNC XXXX and explained the situation to them in person but she was not able to help me, she did escalate my request and I was contacted by a PNC representative who informed me they could not reverse the XXXX Late fee because they had already reversed the XXXX XXXX XXXX and PNC does not reverse XXXX late fees in the same year. 
Both the XXXX late and and the XXXX late fee are erroneous and should be reversed. 
I have made more than minimum payments in XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE  XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  GEORGIA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

In XXXX 2015 USAirways ( Barclay Bank ) switched my credit card account to the XXXX XXXX card. With USAirways I had a {$99.00} companion ticket to fly. I tried to use it today and XXXX advised me that the companion ticket was no longer available as of XXXX 2015. My complaint is that I was never notified that the companion ticket was being cancelled and therefore did not get the opportunity to use it before it expired. I would like for XXXX XXXX credit card to honor the {$99.00} companion ticket.
Product: Credit card

I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!
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. 

XXXX Account number XXXX XXXX XXXX XXXX Account number xxxxxx XXXX XXXX XXXX Account number xxxxx XXXX XXXX XXXX XXXX Account number xxxxxx 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: Checking or savings account

On XX/XX/XXXX, we were wire fraud ( for a purchase of a home in XXXX, ID ) that resulted in the loss of {$470000.00} in cash from our USAA Bank account. The wire fraud happened via " fake emails '' from the realtor and escrow title office. We were emailed with wire instructions from what looked like legit title companies emails and paperwork. The emails and Wire instructions had the correct address, company name, logo, everything. 

We were not notified of the wire fraud until XX/XX/XXXX, when the escrow XXXX noticed I had emailed and sent text messages regarding the wire of the money she didn't ask me to send. This was also alarming since I had been texting her the whole time but she didn't catch that someone was hacking her or pretending to be her via email and asking us to send our money before the sell of the home. 

We immediately contacted the police, our bank ( USAA ) and our realtor about the situation. The XXXX XXXX XXXX XXXX department in XXXX, ID compiled all of the information that they could and sent it to the FBI for further investigation. The sheriff who took our case said that he was able to find the money as it had been broken down into different amounts sent to XXXX, XXXX XXXX and cashiers checks. 

We worked with our bank 's investigation team to recall as much of the money as we could and try to get back anything that was taken from us. 

In XXXX of XXXX, USAA 's investigation office called us to let us know that XXXX ( the bank where the original wire was sent ) was able to get back {$280000.00} of our money and they would deposit the funds once they received the credit from XXXX. When this situation happened we were told that they had located {$440000.00} of the missing money but we still do not know where the other {$180000.00} is. 

On XX/XX/XXXX, the money was deposited into our account. At this time, USAA, XXXX Bank, the FBI and the XXXX XXXX XXXX department are still working on this investigation and trying to get back the remaining money that was ours. 

In XXXX of XXXX, we asked for information from USAA and their investigative team since they were the bank who was reaching out to the other banks involved in the situation. We were told by USAA via a letter that they would not give us any documentation without a subpeona and that they will not longer be assisting in the investigation to get our money back. At this time, we are still missing money that USAA and XXXX said was tracked down and waiting to be deposited back into our account. 

Any help or information would be greatly appreciated.
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. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX : # XXXX, has violated my rights. 


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

Dear Sir/Madam, Subject : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, I request that they be removed immediately. The unauthorized inquiries in question are : 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 XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, specifically 15 U.S.C. 1681b, only authorized inquiries with my explicit permission should appear on my credit report. 

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

A checking account was opened online by an identity thief despite having frozen my account with credit agencies. When I called SunTrust, I was told they could not speak with me over the telephone. I needed to present myself to branch. Went to branch. Was assured by representative there that the account would be closed promptly, and they placed an additional password that was to be required for all transactions. Received blank checks 3 days later for the " closed '' account. When I called next day, was not able to speak to fraud department, was placed on hold for more than 10 minutes, and was told that account would be closed sometime ( no estimate given ). And no password was requested.
Product: Credit reporting or other personal consumer reports

With the ongoing {$11.00} XXXX dollars settlement, being filed against TransUnion. Like the other victims, I also feel like TransUnion has been giving out inaccurate credit reports and perpetually violating my rights. I've suspect that I'm a victim of identity theft, because TransUnion didn't lock or close my account during the violation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had 3 charges for XXXX dollars on my credit reports with Kansas counselors of Kansas City debt collection agency. However these are for medical bills at a hospital I have never personally been to. I disputed the debt and it was removed from 2 out of 3 credit reports however they made a comment on my XXXX that says customer disputes debt reinvestigatom in progress. This proves they have already investigated this debt and have found nothing to legally tie me to this debt but are trying to hold on to it on my credit to penalize me for what may have been identity theft. I have not had any western medicine in a number of years that number of years would go far beyond the limits of any agencys legal right to report to my credit. I checked in to fdcpa laws and they say the creditor has to remove the debt until they have proof and the burden of proof is on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the month of XX/XX/2023- XX/XX/2023 significant payments were made to my prosper credit card that processed. Later Im told all payments reversed and I owe all past payments. I need to have this removed.
Product: Credit card or prepaid card

Hello, I am writing to see if you can help me out with this issue. I had an XXXX XXXX account and recently the card was closed without notice to me or my spouse. I reached out to the company and was told the account was closed due to missed payments. I had the account open for 9 Months and no issues used regularly since my wife is back home in the states and I am currently XXXX in XXXX. During the XXXX season we tried making several purchases for our kids and come to find out the account was closed out. Ultimately I spoke with the service agent and was told that I had to re-apply because my account was closed which negatively affected my credit report and scores. I did not re-apply and won't with a final decision or review of this matter. Never carried over a balance always paid in full and never had issues with payments with the exception of one simply because my debit card expired and needed a new card. They also never published my XXXX statement.
Product: Credit card or prepaid card

bank of America and Unemployment missing/stolen and fraud already identified with no return or original money or fees associated.
Product: Credit reporting or other personal consumer reports

lam filing a complaint against XXXX TransUnion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.
Product: Debt collection

IC Systems has been reporting an account for XXXX XXXX. I had paid my XXXX bill the XXXX took over never signed a contract with XXXX XXXX. Could not pay my bill only in person once it was late and I was in South Carolina and Storage Unit was in XXXX. Could never get a hold of anyone to pay. Ended up selling unit in XXXX and are trying to charge me storage rent when I never signed a contract with them and I do not owe what they say I do. IC Systems can never get anyone to answer the phone the website always says its being updated. So cant get a hold of anyone to correct the error
Product: Student loan

Hi, I've just exited deferment and was looking into consolidation as a means to lower my monthly payment and shorten my repayment period. I've had my loans in deferment while I have started my own business. I used their repayment planning tool on Wednesday, XX/XX/XXXX at about XXXX ET. 

However, NelNet is clearly forcing me into a prolonged repayment term that benefits them. When I attempt to select a term-based repayment plan, I receive four options.

1 ) Standard, {$7500.00} per month, fixed monthly payments, 10 year term 2 ) Graduated, {$7300.00} per month, payments increase over time, 10 year term 3 ) Extended Standard, {$1900.00} per month, fixed monthly, 25 year term 4 ) Extended Graduated, {$1300.00} per month, payments increase over time, 25 year term If you do the math on the Standard and Graduated 10-year plans, the interest rate is about 36 %. 

This is clearly forcing me into the most profitable option for NelNet, and penalizing me should I wish to pay off my loans early. While I'm not an expert in Student Loan lending laws, I can't imagine this practice is within the law. 

In addition, my loans have been serviced by several companies over the past 17 years. I made steady payments for about 10 years while I was not eligible for an in school deferment or hardship deferment. However, because the loans were transferred so many times my payment history was lost. NelNet, the most recent servicer, is unable to give me an accounting of how my prior payments of nearly {$100000.00} were applied and why my principle has increased above the original loan amount for all but one of my loans. The prior loan services are no longer in business and I am at a loss as to what to do to 1 ) confirm the actual amount I owe, and 2 ) begin repaying that amount. 

Please help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called and told the collector told me that she was on the way to my house and that I would be arrested. She also asked me if I still reside at my current residence. She told me I could prevent this by making a payment. She even stated that if Im not home she would show up at my job.

She works for Mountain Run. This is a collection agency for XXXX XXXX XXXX XXXX.

Also I do not owe the debt. XXXX  charged me a monthly amount more than what they stated it would be when I agreed. I also requested a suspension of service while my job was on furlough. They refused and continued to bill me. They refused to resolve issues before sending my account to a collection agency Also he collection agency is restarted my start date to fraudulent damage my credit. This has been on my credit for over 7 years.
Product: Mortgage

I obtained homeowner 's insurance in XXXX of XXXX. I have uploaded a copy of the proof of insurance to demonstrate that it has been in effect since XXXX. Then, in XX/XX/XXXX, I received notice from Truist mortgage company that my homeowner 's insurance had lapsed. I called XXXX and they refused to reinstate the insurance and did not give a reason. They claimed they had not been paid by the mortgage company. 

I called Truist and it is IMPOSSIBLE to get a human being. NONE of the phone choices made sense. There was no notice of insurance lapse sent to the property in question. I did not receive any phone calls. My insurance broker had a hard time reinstating my homeowner 's insurance because insurance companies are looking for any excuse to cancel and the premiums are outrageous. The insurance broker found a new policy- for an increased premium - and sent all the proof to Truist.

I received a notice, finally, from Truist saying that I had to pay {$340.00} for the period of insurance lapse. That document is attached. XXXX claims the lapse is the fault of Truist. They are padding the date of lapse by more than a month - from XX/XX/XXXX to XX/XX/XXXX until new insurance was added in XXXX. This feels like a forced insurance scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$95.00}, XXXX XXXX XXXX {$380.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claims ... accounts were settled ... I want it removed. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect debts twice.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX  now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} **Inquiries** XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Best Buy credit card with Citibank was charged off but they refuse to give me a 1099C. There is a balance of XXXX dollars on the account. Requesting removal due reporting incorrectly to my credit report. I will be reporting fraud and seek legal action if not deleted.
Product: Credit card or prepaid card

I was notified of a purchase I made for a game on my son 's XXXX. I said yes I made that one purchase. Then When I received my statement there was over {$400.00} of purchases. I told them it was not us. During the resolution process XXXX  removed all the games that were illegally purchased on my card but Chase still will not remove them off my card even though I told them they were fraudulent.