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

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX amount {$750.00} XXXX XXXX XXXX XX/XX/XXXX amount {$700.00} XXXX  XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX XX/XX/XXXX amount {$5100.00} XXXX Bank XXXX XXXX XX/XX/XXXX XXXX {$300.00} XXXX XXXX open XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my credit report under XXXXXXXX XXXX Account number XXXX XXXX DELETED the account after their investigation but the accounts are somehow returning back as validated for TRANSUNION AND XXXX. 

Under 15 USC.1681b 15 USC.1666, 15 USC 1666b 15 USC 1681S2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report. 

Transunion is reporting that 75 % of the debt needs to be paid off and the balance is {$4800.00} and the account status was updated XX/XX/XXXX. 

XXXX is reporting that the account was charged off at {$5600.00} and the past due balance is {$4800.00}. It also reflects on Transunion that the account was closed XX/XX/XXXX. 

This account is being reported as charged off but every month the credit bureaus are reporting a balance instead of marking it as {$0.00}. 

XXXX is reporting the account status being updated XX/XX/XXXX and Transunion reports the account as being charged off and being modified XX/XX/XXXX. 
The dates, payment history and balance amounts do not meet FCRA.
Product: Credit reporting or other personal consumer reports

Title 15 of the United States Code, Section 1666b, is a provision within the Truth in Lending Act ( TILA ) that outlines the rights and liabilities of consumers and card issuers in cases of unauthorized use of credit cards. Here 's a summary of the key points covered in this section : 15 USC 1666b : ( a ) Prompt Notification : If a cardholder reports the loss or theft of a credit card to the card issuer, the issuer must provide an explanation of the cardholder 's rights and responsibilities under this section. 
The card issuer must provide a written statement of these rights and responsibilities to the cardholder at the specified address. 
( b ) Limitation on Liability for Unauthorized Use : The liability of a cardholder for unauthorized use of a credit card is limited to the lesser of {$50.00} or the amount obtained by the unauthorized use before notifying the card issuer. 
If the unauthorized use occurs before the card issuer provides the written statement of the cardholder 's rights and responsibilities under this section, the liability is capped at {$500.00}. 
Practical Implications : Prompt Notification Requirement : Card issuers must inform cardholders of their rights and responsibilities when they report the loss or theft of a credit card. 

Liability Limitation : Cardholders are generally liable for up to {$50.00} for unauthorized use of their credit cards. However, if the unauthorized use occurs before the card issuer provides the written statement of rights and responsibilities, the liability can be up to {$500.00}.

Consumer Protection : These provisions of TILA aim to protect consumers from significant financial losses resulting from unauthorized use of their credit cards, encouraging prompt reporting of lost or stolen cards while providing a reasonable liability limit. 

Understanding these provisions is crucial for both cardholders and card issuers, as they outline the rights and responsibilities of each party in cases of unauthorized credit card use.
Product: Credit card or prepaid card

Company stole payments from my checking account then informed me they could n't take them and closed my account which violated that credit contracted signed at the beginning of the arrangment. They state they closed it because my payment was n't with a good account yet the contract states if my payment does n't work I have 180 days to pay my account when it 's in default and instead of fixing my very first payment on an account they lied to me to get, promising me a {$500.00} credit limit even approving me for a {$500.00} limit and only giving me a {$300.00} limit once they sent the card. This is a cheap lying company and I 'm opening a lawsuit against them.
Product: Credit card or prepaid card

Second time this matter has been brought up with the cfpb. American Express offered an interest free business account for 9 months. Shortly thereafter, I began receiving interest fees on the account. I filed a complaint and the fees were refunded. 
I skimmed through my statements the last three months and noticed that interest fees were once again assessed. I reached out to American Express and chatted with employee named XXXX ( ID XXXX ). He mentioned that my payment was late and for that reason interest was charged. I explained to XXXX that my payment could not have been late as the account was set up for automatic payment. XXXX explained that since the auto payment had been cancelled by a previous representative ( without my request ) that a new auto payment needed to be set up. I requested that he refund the interest fee and he proceeded by refusing the refund.
Product: Checking or savings account

To whom it may concern : I have made numerous attempts at contacting Chase to file a claim regarding an incident that occurred on Sunday XX/XX/XXXX at XXXX at a local branch in which a stranger deposited a fake check into my account and then withdrew {$950.00} from my checking and left. He had done this despite my efforts at telling him not to. I contacted Chase immediately after andI filed a police report and Chase reps reported that they would file a claim. During that same week {$900.00} had been returned to me as a conditional credit in lieu of their investigation and just today I saw that the claim had been reversed and the {$900.00} had been taken out of my account. I have spoke to the chase reps and none of them have been able to help me. They either tell me to hold ( up to hours ) or they tell me that they will " look into it '' and never get back to me. I would like to know why the claim has been reversed. I read online similar incidents from people who also have Chase. I would like to have a supervisor from Chase contact me so that I may speak to them about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I made an uniformed decision when I entered into this credit transaction. The contract terms weren't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX XXXX. I have asked for the original contract multiple times but somehow XXXX XXXX confuses an invoice as an actual contract, which is a violation of my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00XXXX XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, my personal friend XXXX XXXX XXXX attempted to send me {$660.00} + {$130.00} via XXXX to reimburse me for our upcoming leisure trip to XXXX, CO. I had paid all the expenses ( hotel, flight, car rental, concert tickets, etc. ) on my card, and he was reimbursing me for his half of the expenses -- all allowed under XXXX 's Terms of Service. My XXXX XXXX Checking account ( tied to XXXX ) was immediately frozen, flagged for closure, and my XXXX access was suspended. I was instructed by XXXX XXXX to visit a XXXX XXXX branch with two forms of identification. I did so, and XXXX XXXX Loss Prevention Team 'retained " my XXXX XXXX Checking account. XXXX XXXX also, after verifying my identity, initiated an internal escalation to restore access to XXXX. After attempting to enroll in XXXX with XXXX XXXX XXXX, I am told that my XXXX profile is still restricted. XXXX is unable to assist, as I signed up to XXXX via a partner bank ( XXXX XXXX ). XXXX XXXX is unable to assist, as they claim they have unlocked my XXXX access on their end. Charles Schwab is unable to assist, as they claim the suspension is from XXXX XXXX. 

No party is willing/able to help me. I have always used XXXX in accordance with the outlined Terms of Service -- only sending & receiving to/from friends and family for non-commercial payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I became aware of the errors being reported on my consumer credit report .Pursuant 15 USC 1681c2 block information resulting from identity theft. Pursuant 15 USC 1681b reasonable procedures must be fair and equitable to the the consumer. Pursuant 15 USC 1681a ( 2 ) A ( iii ) consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is my chance to direct it off my report. Per XXXX XXXX XXXX XXXX. Accounts named XXXX XXXX, XXXX. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX XXXX XXXX is a duplicate I have an open XXXX XXXX XXXX so i have no clue who XXXX XXXX XXXX is.
Product: Mortgage

XX/XX/XXXX I called pennymac to inquire why I had fees assessed on my property after my SCRA protection was in place from XX/XX/XXXX. The agent confirmed that active foreclosure actions occurred a month after the foreclosure was halted. He later stated that those fees were supposed to be reversed and waived due to the SCRA under Section 203. After 15-20 minutes of talking to him talking to his supervisor, I was assured this case would be escalated to CARE 's to correct the monetary issue prior to recording the sale. XX/XX/XXXX I call in the morning to fin out from the customer rep that the complaint had only been put in that morning on XX/XX/XXXX. I again let them know the circumstances and the request i escalated due to the it being the day of recording. hours later around noonish of XX/XX/XXXX, I receive a call that a new payoff had been sent in with higher fees from interest. I call back and talk to a representative who identified herself as XXXX. She stated that everything that was previously stated by the first employee on XX/XX/XXXX was false and that there is a high possibility that he did not even speak. I again explained the situation and she stated this is just the way it is. When I brought up the SCRA XXXX stated that it only prevents a foreclosure from happening and when one is in the process the fees assessed continue to accrue. I mentioned that I believe the SCRA says differently under section 203. I also mentioned that their were active foreclosure actions taken after my SCRA was in place. These actions occurred almost a month after and she stated it was already scheduled to occur and that I was still liable for the fees. After my SCRA was in place I was assessed an estimated {$4000.00} of fees in winterizing the home, conducting inspections, turning on the utilities after they had shut it down, plumbing preservation, new locks for the home among others. All of this happened in or near XXXX which had been weeks after having my SCRA in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Equifax for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Equifax ( as attached ) " verified '' and that they were provided this information by 3rd Part vendor XXXX XXXX. However I included with both prior complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. On XX/XX/XXXX Equifax provided to me in writing that on that date they had " verified '' the XXXX Bankruptcy case XXXX using ( again ) 3rd Party provider XXXX XXXX. Therefore that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Equifax refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition on XXXX I obtained my complete 102 page XXXX XXXX report. In that report as they will see it clearly show NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( attached copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition I also disputed this same case on the same grounds with XXXX and in their investigation they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Equifax should have also done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 SANTANDER CONSUMER USA ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.
Product: Credit reporting or other personal consumer reports

Formal Dispute Failure to Verify Account Per FCRA I am formally disputing the reporting of an account by XXXX XXXX XXXX on my credit report. Since XXXX, I have repeatedly requested that this account be investigated for inaccurate, incomplete, and unverifiable information. However, no action has been taken to correct or remove the account. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information within 30 days. Furthermore, XXXX XXXX XXXX, as the furnisher of information, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ) to provide proper verification and has not done so. 

Verification must include : - The name and contact information of the original creditor. 
- A complete payment history. 
- A signed agreement or contract proving my obligation to the debt. 
- Proof that XXXX XXXX XXXX has the legal authority to collect the debt. 

Since the company has failed to provide this documentation, the law states that any unverified information must be deleted from my credit report per FCRA 611 ( a ) ( 5 ) ( A ). I request the immediate removal of this account and a written confirmation of the action taken. 

Sincerely, XXXX XXXX ( XXXX )
Product: Vehicle loan or lease

On XX/XX/XXXX I went XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to conduct a consumer credit transaction for a vehicle. I ended up being told I could only get a XXXX XXXX XXXX XXXXXXXX XXXX. XXXX5 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge should have been my only obligation owed for the XXXX XXXX. The finance charge came up to {$12000.00}. During the course me fulfilling my obligation to the loan holder Santander Consumer I fell upon hard times. I fell behind on payments and was unable to catch up. Even though i paid the finance charge plus more on XX/XX/XXXX my vehicle was repossessed by an unauthorized third party. On XX/XX/XXXX I received a letter from Santander Consumer stating they sold my vehicle and I still owed {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX XXXX XXXX  which has been ignored and none of the issues were removed. 

In addition all XXXX bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.
Product: Credit reporting or other personal consumer reports

My previous complaint was not addressed properly. Wells Fargo has bee deleted from XXXX report however it still shows on my XXXX and XXXX reports. I previously filed a complaint # XXXX. Wells Fargo Bank responded asking for me to send them my information because they could not validate this debt by my name. I replied with this. 
You asked me to provide you with my social security number, DOB, address, phone number, account number because you cant locate my account by my first and last name. I am not at liberty to provide you with any information regarding my identity. If you are reporting this damaging information to my consumer reports, you should already have access to this. This shows me that you are reporting in error to my consumer reports which is illegal and a defamation of character. You are reporting invalid unverified alleged debt to my consumer reports which intern has hurt my credit score and hindered me with obtaining credit. I am seeking legal action against your company. Please remove this alleged debt from my consumer reports immediately. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4.
Product: Credit card

I tried to make my first payment with a new credit card and they replied with a notice saying they couldnt accept my payment because of the info provided to them by XXXX. This has happened for the last three months and now I am late. They did finally take my payment for XXXX in XXXX after charging me a {$40.00} late fee. Now they wont take XXXX nor XXXX payment. Im trying to make my payment with my XXXX Account via direct debit. The credit card company is Destiny. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of a divorce in XXXX, the judge ruled that my ex-wife would be solely responsible to pay the mortgage, homeowner 's association, taxes, and insurance on the home. We signed a quitclaim deed that removed the home out of my name. However, 5 years later, my ex-wife did not comply with the judge 's orders and has missed several payments on the home, along with forging my name on a loan modification which has decreased my credit score, tremendously. The forging of the loan modification took place on XX/XX/XXXX, a year after the divorce was final. I am hoping that with all submitted documentation my credit score will be restored to it's rightful score. On XX/XX/XXXX, I filed a complaint of forgery with law enforcement. The home is currently {$7200.00} behind in mortgage and penalty fees.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts on my credit report this morning, and I have no idea how this could have happened. I check my report regularly, but this time there were errors that appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but the accounts were still there. I'm deeply concerned and request a thorough review of the documents I've provided so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re acct number XXXX I sent a validation request to this company late XX/XX/XXXX. I have disputed this item 3 times with the credit bureau. I disputed in XX/XX/XXXX. I also sent dispute letters XX/XX/XXXX and XX/XX/XXXX.They have been unable to send me a signed contract or validation to verify this debt. The information is incorrect and not validated with a signed contract. I have tracking numbers for my request sent on XX/XX/XXXX. I can provide as I sent my letter certified. 

The address on the account is not mine either. I have never lived there in my life. 

This account needs to be removed from my credit reports ASAP as Its invalid and not validated. I will proceed with a XX/XX/XXXX complaint, submission to my attorney general as well.
Product: Credit card

Macy 's American Express owes me {$860.00}. XXXX XXXX charged me in error for an order that was previously paid for. I called and made a XXXX claim but was lucky to get the issued resolved by the vendor who wrote me a check. I contacted the fraud department immediately and told them to let the charge stand. This was a charge in early XXXX of this year. 

The charge remained on my account which was fine. However, in early XXXX I got an emotional call from XXXX saying American Express took the money from them. 

As you can see I was charge and then credited. However, I my account was charged again ( a second time ) as you can see on my XXXX statement but the vendor never received the funds. I spoke to the fraud department and told them to just give me back the money and I would pay XXXX another way. 

Macy 's is refusing to give me my money back. As you can see the lengths I have gone through to resolve this matter, even contacting the XXXX XXXX  American Express. I desperate need someone to help me. I am XXXX XXXX XXXX, live paycheck to paycheck and I am losing sleep over this as the vendor is needing to be paid. I hope you can reason with Macy 's that they have made a gross error that needs to be corrected and my account needs to be credited once again. I feel there has been gross incompetence on the part of Macy 's XXXX Department.
Product: Credit reporting or other personal consumer reports

XXXX sent a letter XXXX, stating that my account has been settled and satisfied but all credit bureaus are reporting my account being charged off. 

XXXX XXXX sent a letter XXXX, stating that my account has been settled and satisfied but all credit bureaus are reporting my account being charged off. 

A third party collection provided me proof that XXXX, that my account with XXXX XXXX have been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get late car payments off the credit report. From Toyota and XXXX 's Finacial was told they can't take them off.